YES BANK FREO Credit Card
Yes Bank · Closed to new applicants
A closed co-brand card with Freo: unlimited 1% cashback on spends other than fuel, rent, wallets, utilities, cash and EMI, a ₹399 fee waived on spend, and a fuel surcharge waiver.
- Annual fee
- ₹399 + GST a year
- Joining fee
- ₹399 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- Unlimited 1% cashback on all other spends: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.4%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on fuel, rent, wallet loads, government, cash, utilities and EMI
Where the sources disagree
- joining fee: The page says zero joining fee and a ₹399 first-year and renewal membership fee waived on ₹10,000 within 30 days; the MITC lists a joining fee and an annual fee of ₹399 each with the same waivers. Either way the first year costs ₹399 unless ₹10,000 is spent in 30 days. We enter the MITC's fee table.
Terms the calculator does not value
- The MITC lists Freo's fuel waiver band as ₹400 to ₹5,000 with a ₹125 cap; the KFS (28 Sep 2026) does not list the card.
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, FREO Credit Card page (Product page, the bank's own, read 6 Nov 2026)