YES BANK novio RuPay Credit Card
Yes Bank · Open to apply
A virtual RuPay credit card for novio cardholders for UPI payments, earning novio coins (5 per ₹100 on purchases and on UPI above ₹2,000; more in the novio app). No fees.
- 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
- None on record
- 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
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.
- Rates in the novio app: up to 10 coins per ₹100 on travel and UPI above ₹2,000 and 3 coins per ₹100 on UPI of ₹2,000 or less (FAQ Q3). These need the novio app route and are not entered.
- The FAQ says the RuPay card has no lounge benefit.
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 RuPay Credit Card page (Product page, the bank's own, read 6 Nov 2026)