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

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Rewards

Base earn rate

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

Uni

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Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher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

Outstanding amount	Late fee
₹0 – ₹500	₹0
Above ₹501	Above ₹500 — 10% of the statement balance, capped at ₹1,350

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