YES BANK Uni Credit Card
Yes Bank · Open to apply
A fintech co-brand card with Uni: 1% Uni coins on spends in India (not on fuel, rent, wallets, utilities, education or EMI), zero forex markup, and a fuel surcharge waiver on fills up to ₹7,500.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 1% Uni coins on all other spends in India: 1% in Uni coins (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No Uni coins on international transactions
- No Uni coins on fuel, wallet loads, rent, government, education, utilities and telecom, EMI and cash
Where the sources disagree
- annual fee: The bank's page, MITC and KFS give a ₹499 annual fee waived on ₹50,000 of spend (not charged on Lifetime Free cards); Uni's own key fact statement shows ₹499 struck out and 'Zero'. We use the bank's documents.
Terms the calculator does not value
- Uni coins have no rate of redemption published on the bank's pages; the card is valued at the page's '1%' headline (₹1 a coin per ₹100 spent).
- Uni's own app features such as pay later in three parts are the partner's and are not in the bank's documents.
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, Uni Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- Uni Cards, Key Fact Statement for the YES BANK card (Partner's page, the bank's own, read 6 Nov 2026)