YES BANK AI Inside RuPay Credit Card
Yes Bank · Open to apply
A lifetime-free card with 'up to 3% assured cashback', zero forex markup, no cash advance fee and a fuel surcharge waiver. The page does not publish the cashback rates, caps or categories, so the card is valued at nothing here.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Cashback on other spends: 'up to 3%' on the page, rates not published: 0% cashback (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on fuel and EMI transactions
- Cashback on other spends: 'up to 3%' on the page, rates not published
Terms the calculator does not value
- For fuel paid by UPI the MITC says no fuel surcharge waiver on UPI transactions, and in the next line that for RuPay virtual cards the UPI waiver is capped at ₹125 a statement cycle; the fuel waiver here is valued on card payments only.
- The page headline says 'Upto 3% assured cashback on spends' without the rates, caps, categories or the partner's conditions, and the MITC has no AI Inside reward section. The card is entered at 0% cashback until a document gives them; its real value is higher.
- The MITC's table of reward points capping on utilities (by card variant) is not modelled: the card earns no points or cashback on utilities in our rules, or its earn rates are not published, so there is nothing to cap.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, AI Inside RuPay Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)