YES BANK UNI Credit Card

YES BANK · ₹499 a year · fee waived on ₹50,000 of annual spend

A card from YES BANK and Uni with no forex markup and 1% back in Uni coins.

What the bank says

• Unlimited 1% rewards, issued as Uni coins
• Zero joining fee; ₹499 renewal fee waived on ₹50,000 of spend in the year
• 0% foreign currency markup
• 1% fuel surcharge waiver on transactions up to ₹7,500, at most ₹500 a statement

Things that catch people out

• Applicants must be 21 to 60 years old with a net salary of ₹25,000 a month or a tax return of ₹7.5 lakh, and cannot already hold a YES BANK credit card.
• Rewards are paid as Uni coins, and YES BANK does not state their rupee value, so we do not rank it.
• The renewal fee does not apply to the lifetime free version.
• Fees and exclusions are in the bank’s Most Important Terms and Conditions; check them before you apply.

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

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

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