YES BANK Niyo Credit Card

YES BANK · Lifetime free

A free YES BANK card from Niyo with no forex markup.

What the bank says

• Lifetime free
• Zero forex markup
• 1% fuel surcharge waiver

Things that catch people out

• YES BANK’s page does not print this card’s fees or what a reward point is worth in rupees, so it is listed with its facts and not ranked.

Joining fee: ₹0. Foreign currency markup: 0%.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: not published
• Minimum income: not published

Read from YES BANK’s own page on 2026-09-30.

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