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Yes Bank
YES Bank Zagg Credit Card
RuPay
YES Bank Zagg Credit Card
A lifetime-free, UPI-first RuPay card co-branded with Zagg Money (formerly Rio Money), aimed at first-time credit card users who transact mostly on UPI. Domestic lounge access is unusually generous for a fully free entry-level card, conditional on quarterly spend.
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 with a credit score of roughly 650+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
Up to 8 complimentary domestic lounge visits a year (2 per quarter on Rs 50,000 prior-quarter spend).
- ⛽ Fuel
1% fuel surcharge waiver, capped at Rs 250 per month.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 3% Zagg Coins on every UPI payment made through the Zagg app.
- Up to 8 complimentary domestic lounge visits a year (2 per quarter on Rs 50,000 prior-quarter spend).
- 1% fuel surcharge waiver, capped at Rs 250 per month.
Pros
- + Genuinely lifetime free — no joining or renewal fee
- + 3% cashback on UPI spends via the Zagg app
- + Up to 8 domestic lounge visits a year
Cons
- − Lounge access requires hitting a quarterly spend threshold
- − Cashback outside UPI spends is minimal