YES BANK UNI RuPay Credit Card
Yes Bank · Open to apply
A free virtual RuPay credit card for Uni cardholders: 1% Uni coins on spends in India, zero forex markup and a fuel surcharge waiver on fills up to ₹7,500.
- Annual fee
- Lifetime free
- Joining fee
- None
- 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
Terms the calculator does not value
- For fuel paid by UPI the MITC says no fuel surcharge waiver on UPI transactions, and in the next line that for RuPay virtual cards the UPI waiver is capped at ₹125 a statement cycle; the fuel waiver here is valued on card payments only.
- 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 RuPay 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)