YES BANK RuPay Credit Card (Virtual)
Yes Bank · Open to apply
A free virtual RuPay credit card that existing YES BANK cardholders add to use their credit on UPI: 4 YES Rewardz per ₹200 on UPI payments above ₹2,000 and 2 on online spends, up to 5,000 points a month.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- No YES Rewardz on other spends: 0% in YES Rewardz (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 4 YES Rewardz per ₹200 on UPI payments above ₹2,000: 4 YES Rewardz per ₹200 (about 0.2% at cash value)
- 2 YES Rewardz per ₹200 on all online spends: 2 YES Rewardz per ₹200 (about 0.1% at cash value)
- 2 YES Rewardz per ₹200 on online utility bills, up to 150 points a statement: 2 YES Rewardz per ₹200 (about 0.1% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet, fuel, government, cash and EMI
- No YES Rewardz on insurance and education
- No YES Rewardz on railways and ferry
- No YES Rewardz on tolls and jewellery
- No YES Rewardz on other spends
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- The page's footnote a ("Maximum 5000 reward points in a month") sits on the UPI line only, so the 5,000-point monthly cap is entered on the UPI rule alone; if it is a card-level cap it also covers online spends, which earn at most 1% in points here.
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, RuPay Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)