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Yes Bank
YES Bank Uni RuPay Credit Card
RuPay
YES Bank Uni RuPay Credit Card
A lifetime-free, RuPay-only card distributed through the Uni Cards app and co-issued by YES Bank, paying a flat 1% back as digital gold with no forex markup — a solid UPI-first pick for users who don't need lounge access or insurance.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
Benefits by category
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
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
- + Genuinely fee-free for life, no spend threshold required
- + Flat 1% back on every spend with no disclosed merchant exclusions
- + 0% forex markup, unusual at this price point
Cons
- − No lounge access, insurance, or milestone benefits
- − Reward paid as digital gold rather than cash or points
- − Existing YES Bank credit cardholders are not eligible to apply
Best for