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Yes Bank
YES Bank Uni RuPay Credit Card
RuPay
YES Bank Uni RuPay Credit Card
A lifetime-free, unsecured RuPay card from YES Bank and Uni: flat 1% back as 24K digital gold on every spend (including UPI), plus a genuine 0% forex markup — but it skips lounge access and other travel perks in favour of a bare-bones cashback design.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel spends up to ₹7,500, capped at ₹500 per month
Benefits
- 1% back as 24K digital gold on every spend, including UPI Scan & Pay via Google Pay/PhonePe/Paytm
- 0% forex markup on international transactions
- Up to 7% back on flight bookings made through the Uni Store partner catalog
Pros
- + Lifetime free — no joining or annual fee
- + 0% forex markup on international spends, rare at the entry tier
- + Flat 1% cashback as digital gold on every spend, including UPI Scan & Pay
Cons
- − No lounge access or other premium travel benefits
- − Reward rate does not accelerate on any spend category
Best for