YES BANK novio Credit Card
Yes Bank · Open to apply
A lifetime-free novio (Credilio) card earning 5 novio coins per ₹100 on purchases and on UPI above ₹2,000, with two domestic lounge visits a quarter after ₹50,000 of spend.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 5 novio coins per ₹100 on POS and e-commerce transactions: 5 novio coins per ₹100
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No novio coins on rent, wallet loads, gambling, education, utilities, telecom bills, insurance, cash, tolls and government
- No novio coins on railways
Where the sources disagree
- lounge access: The page does not mention lounge access; the lounge T&C (undated) and the KFS threshold table list novio for lounge access. We enter 2 visits a quarter from the T&C.
Terms the calculator does not value
- novio coins have no published rupee value, so the card is valued with the coin at ₹0 and its reward value is understated.
- The RuPay variant earns more on UPI in the novio app; it is a separate 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, novio Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)