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Yes Bank
YES Bank AI Inside Credit Card
Visa
YES Bank AI Inside Credit Card
A lifetime-free cashback card with zero forex markup and zero cash withdrawal fees, positioned as a low-friction everyday card. The straightforward cashback structure and fee-free international use make it a reasonable pick for light travelers who don't need lounge access.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs 400-5,000.
- 🌍 Forex / international spend
Zero foreign currency markup on international transactions. · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400-₹5,000
- Cash advance charges: Cash advance fee waived
Benefits
- Up to 3% assured cashback on eligible spends.
- Zero foreign currency markup on international transactions.
- 1% fuel surcharge waiver on transactions between Rs 400-5,000.
Pros
- + Genuinely lifetime free with no joining or annual fee
- + Zero forex markup on foreign transactions
- + Zero cash withdrawal fee
Cons
- − No lounge access or premium travel perks
- − Cashback rate is capped and modest overall