YES BANK Niyo Credit Card
Yes Bank · Open to apply
A lifetime-free card with Niyo with zero forex markup and a 1% fuel surcharge waiver. Rewards are paid as Niyo Coins; the bank's page gives no rates, so they are not valued here.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Niyo Coins on spends: rates not published by the bank: 0% in Niyo Coins
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- Niyo Coins on spends: rates not published by the bank
Terms the calculator does not value
- The earn rates of Niyo Coins and their rupee value are not in the bank's page, MITC or KFS (third-party sites report 2, 4 and 5 coins per ₹100 and ₹0.10 a coin; not verified). Entered at 0%, so the card's reward value is understated.
- 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, Niyo Credit Card page (Product page, the bank's own, read 6 Nov 2026)