Uni YES Bank RuPay Credit Card
The Uni YES Bank RuPay Credit Card delivers straightforward cashback on modern mobile banking. Operating on the RuPay network with zero recurring fees, it provides flat 1% Uni Coins on offline card swipes and merchant UPI scans, backed by an accessible 1.00% foreign exchange markup for overseas digital subscriptions.
Why We Recommend The Uni YES Bank RuPay Credit Card
An uncluttered fintech card that delivers flat 1% cash-equivalent returns and a rare 1% forex markup on a free card.
Digital natives seeking a clean, zero-fee RuPay card with a low 1% forex fee for app subscriptions and UPI scans.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Uni YES Bank RuPay Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 (direct 1:1 cash conversion against statement balance in Uni app) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Uni YES Bank RuPay Credit Card
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Uni YES Bank RuPay Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Uni YES Bank RuPay Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 1.00% foreign exchange markup on international transactions.
100% Lifetime Free on the RuPay payment network.
Transparent 1:1 cash conversion value for Uni Coins inside the app.
Pros & Cons of the Uni YES Bank RuPay Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero annual recurring maintenance costs forever (Lifetime Free).
- Subsidized 1% forex rate is remarkably low for an entry-level card.
- Clean in-app spend tracking and instant cashback redemption.
Things to Consider (Cons)
- No airport or railway lounge access.
- P2P fund transfers do not earn Uni Coins.
- Customer support is primarily routed through in-app chatbot channels.
Who Can Apply for the Uni YES Bank RuPay Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Uni YES Bank RuPay Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Uni YES Bank RuPay Credit Card?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.