YES BANK Zagg Credit Card
Yes Bank · Open to apply
A lifetime-free UPI-first credit card with the Zagg app, with 2 domestic lounge visits a quarter after ₹50,000 of spend. The bank's page gives no reward rates (those are the Zagg app's), so they are not valued here.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Zagg coins: rates are the partner's and not published by the bank: 0% in Zagg coins
- 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
- Zagg coins: rates are the partner's and not published by the bank
Terms the calculator does not value
- Rewards come from the Zagg app and are not in the bank's documents. A review site reports 3% in Zagg coins on UPI payments made through the Zagg app, a coin worth ₹0.25 and a per-cycle cap of 1.5% of the credit limit; not verified against an official source. Entered at 0%, so the card's reward value is understated.
- The lounge benefit starts in the quarter after issuance and needs the previous quarter's spend (page FAQ).
- The MITC's table of reward points capping on utilities (by card variant) is not modelled: the card earns no points or cashback on utilities in our rules, or its earn rates are not published, so there is nothing to cap.
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, Zagg 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)
- Card Insider, Yes Zagg Credit Card review (Third-party site, read 6 Nov 2026)