← Part of Yes Bank Credit Cards in India
The YES Bank RuPay Credit Card, launched in a virtual-only format, integrates seamlessly with UPI for daily transactions. As of 2026, IT offers accelerated reward points on UPI spends above ₹2,000 and is often available as a lifetime free card.
| Parameter | Details |
|---|---|
| Card Type | RuPay Credit Card |
| Issuer | YES Bank |
| Key Feature | UPI Integration for payments |
| Availability | Primarily virtual card; physical card may be offered with specific variants |
| Annual Fee | Lifetime Free (for most variants or as a complimentary offering) |
| Reward Points on UPI | 4 reward points for every ₹200 spent on UPI transactions above ₹2,000 |
| Foreign Currency Markup | 2.75% |
| UPI Transaction Limit | ₹1 lakh |
| Virtual Card Issuance Time | Within 3 working days |
| Interest Rate (Revolving Credit) | 3.99% per month (47.88% annually), as of 2026 (Source: YES Bank) |
| Kredit.Pe YES Bank ACE Cashback | Up to 5% cashback on eligible UPI spends |
| POPcoins (YES Bank POP-CLUB) | 500 POPcoins on activation (2026, Source: YES Bank) |
| POPcoins (Online Spends) | 10 POPcoins for every ₹100 spent online (2026, Source: YES Bank) |
| POPcoins (Offline Spends) | 2 POPcoins for every ₹100 spent offline (2026, Source: YES Bank) |
| POPcoins (Spend Milestone) | 1500 POPcoins on crossing ₹1.5 lakh spends (2026, Source: YES Bank) |
| Personal Accident/Disability Cover | Up to ₹10 lakh (for RuPay Select Credit Card variants) |
The card’s UPI integration, enabled by RBI in June 2022, allows users to earn rewards on daily QR code payments, offering potential annual savings of nearly ₹1,000 for frequent digital users in 2026.
Key Features & Benefits
The YES Bank RuPay Credit Card offers seamless UPI integration, allowing users to link IT with apps like Paytm and Google Pay for convenient payments. Cardholders can earn up to 4 reward points per ₹200 on UPI transactions above ₹2,000, providing significant value-back for daily digital spends.
| Feature | Details | Value/Impact |
|---|---|---|
| UPI Integration | Seamlessly link your YES Bank RuPay Credit Card to popular UPI apps like Paytm, Google Pay, and PhonePe. | Enables convenient QR code payments for both online and offline transactions, earning value-back on UPI spends. |
| Reward Points on UPI Transactions | Earn 4 reward points per ₹200 spent on UPI transactions above ₹2,000. | Maximizes savings for frequent UPI users, potentially saving nearly ₹1,000 annually for active users (as of 2026). |
| Reward Points on Other Online Spends | Earn 2 reward points per ₹200 spent on other eligible online purchases. | Provides value-back across a wide range of online shopping activities. |
| Lifetime Free Card | The YES Bank RuPay Credit Card is often offered as a lifetime free credit card. | No joining or annual fees, reducing the cost of ownership and making IT accessible. |
| Virtual Card Issuance | Primarily issued as a virtual credit card, with issuance typically within 3 working days. | Quick and digital application process, enabling immediate use for online and UPI transactions. |
| Fraud Protection | Comes with benefits such as fraud protection. | Ensures secure transactions and peace of mind for cardholders. |
| Fuel Surcharge Waiver | Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 (for specific cards like Rio RuPay). | Saves money on everyday fuel expenses for commuters. |
| Airport Lounge Access | Certain YES BANK RuPay Credit Cards offer airport lounge access, with some providing up to 4 free international lounge accesses per year. | Provides comfort and convenience for travelers. |
| Low Foreign Currency Markup | The foreign currency markup is 2.75%. | Lower charges for international transactions compared to many other credit cards. |
| Quick Loan Facility | Get instant access to a loan within your available credit limit. | Provides immediate financial assistance for urgent needs. |
| UPI Transaction Limit | The transaction limit for UPI payments using the RuPay Credit Card is ₹1 lakh. | Allows for significant daily spending through UPI. |
| Interest Rate (Revolving Credit) | Interest rate on revolving credit, cash withdrawals, and overdue amounts is 3.99% per month (47.88% per annum). | Important to note for managing outstanding balances effectively. |
| Personal Accident & Disability Cover | RuPay Select Credit Cards offer insurance cover up to ₹10 lakh for Personal Accident and Permanent Disability. | Adds a layer of financial security for cardholders. |
| Accelerated Value-back (PaisaSave) | YES BANK Paisabazaar PaisaSave Credit Card (RuPay accompaniment) offers accelerated value-back on dining and travel categories. | d benefits for specific spending patterns. |
| Cashback on UPI Spends (Kredit.Pe ACE) | Kredit.Pe Yes Bank ACE Credit Card offers up to 5% cashback on eligible UPI spends (as of 2026). | Highly rewarding for frequent UPI users, maximizing returns on daily transactions. |
These features position the YES Bank RuPay Credit Card as a strong contender for users prioritizing digital payments and seeking value-back on everyday transactions in 2026.
Reward Points & Cashback Structure
The YES Bank RuPay Credit Card offers accelerated reward points on UPI transactions and other online spends, providing value-back for daily expenditures. As of 2026, cardholders can earn up to 4 reward points per ₹200 spent on UPI transactions above ₹2,000. This structure aims to maximize savings for frequent digital users, potentially saving nearly ₹1,000 annually.
| Metric | Value | Source |
|---|---|---|
| Reward points on UPI transactions (above ₹2,000) | 4 reward points per ₹200 spent | YES Bank RuPay Credit Card: Benefits & Features |
| Reward points on other online spends | 2 reward points per ₹200 spent | YES Bank RuPay Credit Card: Benefits & Features |
| Cashback on UPI transactions (YES BANK Paisabazaar PaisaSave Credit Card) | 1% cashback on transactions above ₹2,000 | YES BANK Rupay Credit Cards – Lifetime Free, Rewards & Lounge Access |
| Redemption ratio for reward points (YES BANK Paisabazaar PaisaSave Credit Card) | 1:1 redemption ratio as cashback | YES BANK Rupay Credit Cards – Lifetime Free, Rewards & Lounge Access |
| Cashback on eligible UPI spends (Kredit.Pe Yes Bank ACE Credit Card) | Up to 5% cashback | Best RuPay Credit Cards For UPI In India (2026 Edition) |
| Cashback on UPI Scan & Pay (Klick card via Kiwi) | 1.5% flat cashback | YES Bank Credit Cards 2026: Compare All Cards, Benefits & Apply |
| POPcoins on online spends (YES Bank POP-CLUB Credit Card) | 10 POPcoins per ₹100 spent | YES BANK Rupay Credit Cards – Lifetime Free, Rewards & Lounge Access |
| POPcoins on offline transactions (YES Bank POP-CLUB Credit Card) | 2 POPcoins per ₹100 spent | YES BANK Rupay Credit Cards – Lifetime Free, Rewards & Lounge Access |
| POPcoins on activating YES Bank POP-CLUB Credit Card | 500 POPcoins | YES Bank (2026) |
| Bonus POPcoins on crossing ₹1.5 lakh spends (YES Bank POP-CLUB Credit Card) | 1500 POPcoins | YES Bank (2026) |
| Value back on fuel (BPCL SBI Octane RuPay Select) | 7.25% | Card Maven |
| Total value back on HPCL outlets (IDFC First HPCL Power+) | Up to 6.5% | Card Maven |
| Savings per year for frequent UPI and online users | Nearly ₹1,000 | Card Maven (2026) |
The YES Bank RuPay Credit Card’s reward structure is designed to offer significant value, especially for UPI transactions. This makes IT a competitive choice for users prioritizing cashback and reward points on digital payments in 2026.
How to Link to UPI Apps
Linking your YES Bank RuPay Credit Card to UPI apps enables seamless digital payments for transactions up to ₹1 lakh. This integration allows you to use your credit card for both online and offline merchant payments via popular platforms like Paytm, Google Pay, and PhonePe.
The Reserve Bank of India (RBI) enabled UPI linking for credit cards in June 2022, expanding payment options for Indian consumers.
- Step 1: Open Your UPI App
Launch your preferred UPI application, such as Google Pay, PhonePe, or Paytm, on your smartphone. - Step 2: to ‘Add Bank Account’ or ‘Link Credit Card’
Look for an option like “Add Bank Account,” “Link Credit Card,” or “Credit Card on UPI” within the app’s payment or profile section. - Step 3: Select YES Bank RuPay Credit Card
Choose “YES Bank” from the list of issuing banks and then select “RuPay Credit Card” as the card type you wish to link. - Step 4: Enter Credit Card Details
Input the required details of your YES Bank RuPay Credit Card, including the last six digits of the card number and its expiry date. - Step 5: Verify with OTP
An OTP (One-Time Password) will be sent to your mobile number registered with YES Bank. Enter this OTP in the UPI app to verify your card. - Step 6: Set UPI PIN
After successful verification, you will be prompted to set a UPI PIN for your RuPay Credit Card. This PIN will be used to authorize transactions. - Step 7: Confirm Linking
Once the UPI PIN is set, your YES Bank RuPay Credit Card will be successfully linked to the UPI app, ready for transactions. - Transaction Limit
The maximum transaction limit for UPI payments using your RuPay Credit Card is ₹1 lakh per transaction, as per current guidelines.
This simple process allows you to use your YES Bank RuPay Credit Card for daily UPI transactions, earning rewards and cashback on eligible spends.
Eligibility & Application Process
Applying for a YES Bank RuPay Credit Card in 2026 is a straightforward process, primarily available online. Many YES Bank RuPay cards are offered as virtual cards, with some being lifetime free options.
- Age Requirement: Applicants must typically be between 21 and 60 years old. Specific age criteria may vary slightly by card variant.
- Income Stability: A stable source of income is , with minimum monthly income requirements set by YES Bank. This ensures repayment capability.
- Credit Score: A CIBIL score of 700 or higher is generally preferred for approval. A strong credit history improves approval chances and may unlock better card benefits.
- Employment Status: Both salaried and self-employed individuals can apply, provided they meet the income and documentation requirements.
- Required Documents: Standard KYC documents include identity proof (PAN card, Aadhaar card), address proof (utility bills), and income proof (salary slips, bank statements).
- Online Application: The primary application method is online via the YES Bank website. This process often results in a virtual credit card being issued immediately upon approval.
- In-Branch Application: You can also visit any nearest YES Bank branch to complete the application process with assistance from bank staff.
- Virtual Card Issuance: For many YES Bank RuPay Credit Cards, only a virtual card is provided initially, enabling immediate use for online and UPI transactions.
The application process is designed for convenience, allowing quick access to the card’s features and UPI integration benefits.
YES Bank RuPay Vs. Other RuPay Cards
The YES Bank RuPay Credit Card offers specific benefits like lifetime free status and accelerated rewards on UPI transactions. Other RuPay cards, such as the Kredit.Pe Yes Bank ACE and HDFC UPI RuPay, provide varying cashback rates and features for different user needs.
| Feature | YES Bank RuPay Credit Card | Kredit.Pe Yes Bank ACE Credit Card | HDFC UPI RuPay Credit Card |
|---|---|---|---|
| Card Type | Virtual, Lifetime Free (often a companion card) | Virtual | Physical/Virtual |
| UPI Cashback/Rewards | 4 reward points per ₹200 on UPI transactions above ₹2,000 (redeemable as cashback 1:1) | Up to 5% cashback on eligible UPI spends | Varies by specific HDFC RuPay card; generally offers rewards on UPI |
| Annual Fee | Lifetime Free | ₹499 (first year membership fee), ₹499 (renewal fee) | Varies by specific HDFC RuPay card (e.g., HDFC MoneyBack+ requires ₹50,000 yearly spend for waiver) |
| Foreign Currency Markup | 2.75% | Not specified | Not specified |
| Target User | Digital-first users, daily UPI spenders, existing YES Bank cardholders | UPI users, daily QR code payments | General UPI users, varies by specific HDFC RuPay card |
| Other Benefits | Fraud protection, 2 reward points per ₹200 on other online spends, 1% fuel surcharge waiver (₹400-₹5,000 transactions) | Strong option for daily QR code payments | Varies by specific HDFC RuPay card (e.g., HDFC Shoppers Stop RuPay is Lifetime Free) |
| UPI Transaction Limit | ₹1 lakh | Not specified | Not specified |
| Interest Rate (p.a.) | 47.88% (3.99% per month) | Not specified | Not specified |
While the YES Bank RuPay card focuses on a lifetime free virtual experience with specific UPI rewards, other cards like Kredit.Pe ACE offer higher cashback percentages, catering to users prioritizing direct savings on UPI transactions.
Fees, Charges & Transaction Limits
Most YES Bank RuPay Credit Cards, especially virtual variants, are lifetime free with zero joining or annual fees. However, specific charges apply for foreign currency transactions, revolving credit, and certain payment types.
The UPI transaction limit for RuPay Credit Cards is ₹1 lakh per transaction, as of 2026.
| Charge Type | Amount/Limit (₹) | Notes |
|---|---|---|
| Annual Fee | Lifetime Free | For most virtual YES Bank RuPay Credit Cards, including PaisaSave and FinBooster variants. |
| Joining Fee | Zero | For YES Bank FinBooster RuPay Credit Card and Klick (Kiwi) RuPay companion card. |
| Foreign Currency Markup | 2.75% | Applicable on international transactions for YES Bank RuPay Credit Cards. |
| Interest Rate (Revolving Credit, Cash Withdrawals, Overdue Outstanding) | 3.99% per month (47.88% per annum) | For YES Bank RuPay Credit Cards. |
| UPI Transaction Limit | ₹1 lakh | Per transaction limit for RuPay Credit Card UPI payments. |
| Cash Advance Fee | 2.5% of amount withdrawn or ₹650 (whichever is higher) | Not applicable for virtual RuPay Credit Cards (effective June 15, 2026). |
| Fuel Surcharge Waiver | 1% | On fuel transactions between ₹400 and ₹5,000 (effective June 1, 2026). |
| Over-limit Fee | Up to 2.5% of the over-limit amount | Charged if spending exceeds the assigned credit limit. |
| Utility Bill Payment Surcharge | 1% | On utility payments above a monthly threshold (effective January 2026). |
| Interchange Fees (Physical Transactions) | 1.10% | Applicable to merchants for RuPay Credit Card physical transactions (after May 1, 2025). |
| Interchange Fees (Online Transactions) | 1.60% | Applicable to merchants for RuPay Credit Card online transactions (after May 1, 2025). |
| YES Bank Elite+ Credit Card Annual Fee | ₹999 | For the Elite+ variant, if applicable. |
| YES Bank SELECT Credit Card Annual Fee | ₹599 | For the SELECT variant, if applicable. |
While many YES Bank RuPay cards are lifetime free, understanding these specific charges helps manage card usage effectively.
Future Outlook & RBI Regulations
The Reserve Bank of India (RBI) enabled UPI linking for credit cards in June 2022, significantly boosting RuPay’s market presence. YES Bank is a leader in digital-first credit card usage in India as of 2026. This aligns with the RBI’s “Payment & Settlement Systems in India: Vision-2021” which promoted digital payments. The RBI’s regulations continue to shape the credit card , particularly for RuPay. Interchange fees on RuPay Credit Cards were set at 1.10% for physical transactions and 1.60% for online transactions after May 1, 2025. These fees impact merchant acceptance and card profitability. The YES Bank RuPay Credit Card, being a virtual-first offering, aligns with the ongoing digital push.
Key Takeaways
- YES Bank’s RuPay Credit Cards are primarily virtual and often lifetime free, offering seamless UPI integration.
- The RBI’s regulatory framework, including interchange fee structures, influences the operational dynamics of RuPay credit cards.
- Users can expect continued innovation in digital payment features and reward structures for RuPay cards in 2026.
For current features and to apply, visit the official YES Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of a YES Bank RuPay Credit Card?
YES Bank RuPay Credit Cards offer rewards, cashback, and airport lounge access, alongside seamless UPI integration. You can link these cards to apps like Paytm, Google Pay, and PhonePe to earn value on online, offline, and UPI transactions. Many YES Bank RuPay cards are also offered as lifetime free virtual cards.
Can I link my YES Bank RuPay Credit Card to UPI apps?
Yes, you can easily link your YES Bank RuPay Credit Card to popular UPI applications such as Paytm, Google Pay, and PhonePe. This allows you to make UPI payments directly from your credit card and earn rewards on those transactions. The process to link the card to any UPI app is simple and quick.
What is the transaction limit for UPI payments using a RuPay Credit Card?
The transaction limit for UPI payments made with a RuPay Credit Card, including those from YES Bank, is ₹1 lakh per transaction. This limit applies to merchant transactions via UPI. For specific card types, daily or monthly limits might also apply, so check with YES Bank.
Are YES Bank RuPay Credit Cards lifetime free?
Many YES Bank RuPay Credit Cards are offered as lifetime free virtual cards, or with minimal annual fees. For example, the YES Bank Paisabazaar PaisaSave Credit Card (Mastercard) often comes with a virtual lifetime free RuPay accompaniment. Other premium cards may have limited-period lifetime free offers for eligible applicants.
What are the foreign currency markup charges on YES Bank RuPay Credit Cards?
YES Bank RuPay Credit Cards typically have a foreign currency markup of 2.75% on international transactions. This charge applies when you use your card for purchases or withdrawals in a currency other than Indian Rupees. Always verify the current markup rate with YES Bank before international travel.
How do I apply for a YES Bank RuPay Credit Card?
You can apply for a YES Bank RuPay Credit Card online through the YES Bank website or partner platforms. The application process is straightforward, requiring you to fill out an online form and provide necessary documents. Upon approval, a virtual credit card is typically provided first.
Do YES Bank RuPay Credit Cards offer rewards on UPI transactions?
Yes, several YES Bank RuPay Credit Cards offer accelerated reward points or cashback on UPI transactions. For instance, some cards provide 1% reward points on UPI transactions above ₹2,000, redeemable as cashback. The Kredit.Pe Yes Bank ACE Credit Card offers up to 5% cashback on eligible UPI spends.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.