Does the UNI Credit Card charge a foreign currency markup?

No. The MITC lists 0% foreign currency conversion for the YES Bank Uni and Uni RuPay credit cards, and the product page states the same.

How is the renewal fee avoided?

Retail spends of ₹50,000 or more in the 12 months before renewal waive the ₹499 plus taxes renewal fee.

Co-BrandedEntryMastercard✦ Uni

YES Bank UNI Credit Card

Flat rewards with no forex conversion charge

Annual fee₹499Waived on ₹0.5L spend

Rewards1%Cashback

Forex markup0%Nil — the MITC lists 0% foreign currency conversion on this card

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

1% rewards, issued as Uni coins, on all transactions with no cap stated.

Uni

• Redemption fee: ₹100

Fees & charges

Joining fee: Nil
Annual / renewal fee: ₹499 plus applicable taxes on renewal
Annual fee waiver: The renewal fee is waived on retail spends of ₹50,000 or more in the 12 months before the renewal date. Cards issued as lifetime free carry no renewal fee.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: Nil — the MITC lists 0% foreign currency conversion on this card
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹500/cycle
Duplicate card: ₹100

Late payment

Nil while the current outstanding (statement balance plus unbilled) is ₹500 or less. Above that, 10% of the statement balance or ₹1,350, whichever is lower, per statement.

View official MITC →

Eligibility

Income (salaried): Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above
Income (self-employed): ₹7.5L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

No foreign currency conversion charge
Rewards issued as Uni coins on every transaction
Fuel surcharge waiver of up to ₹500 on transactions between ₹400 and ₹5,000
Card controls through the partner app

FAQs

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Co-BrandedEntryMastercard✦ Uni

YES Bank UNI Credit Card

Flat rewards with no forex conversion charge

Annual fee₹499Waived on ₹0.5L spend

Rewards1%Cashback

Forex markup0%Nil — the MITC lists 0% foreign currency conversion on this card

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

1% rewards, issued as Uni coins, on all transactions with no cap stated.

Uni

• Redemption fee: ₹100

Fees & charges

Joining fee: Nil
Annual / renewal fee: ₹499 plus applicable taxes on renewal
Annual fee waiver: The renewal fee is waived on retail spends of ₹50,000 or more in the 12 months before the renewal date. Cards issued as lifetime free carry no renewal fee.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: Nil — the MITC lists 0% foreign currency conversion on this card
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹500/cycle
Duplicate card: ₹100

Late payment

Nil while the current outstanding (statement balance plus unbilled) is ₹500 or less. Above that, 10% of the statement balance or ₹1,350, whichever is lower, per statement.

View official MITC →

Eligibility

Income (salaried): Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above
Income (self-employed): ₹7.5L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

No foreign currency conversion charge
Rewards issued as Uni coins on every transaction
Fuel surcharge waiver of up to ₹500 on transactions between ₹400 and ₹5,000
Card controls through the partner app

YES Bank UNI Credit Card

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Guides and tools

YES Bank UNI Credit Card

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