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YES BANK Uni Credit Card
YES Bank
Joining FeeLifetime FreeRenewal Fee₹499Waived at ₹50,000 annual spend
Last verified: 26 Sept 2026
Reward Program
Uni coins1 point = ₹1.00
Redemption fee: 0
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Managed via Uni app
Transfer partners
Rewards are issued as Uni coins. YES BANK describes the rate as 'Unlimited 1% Reward points', which fixes a Uni coin at ₹1 for the percentage to hold.
Live Offers
No active offers for this card right now.
Benefits
⛽
Fuel Surcharge Waiver
1% fuel surcharge waiver. Note that fuel has earned NO reward points since 15 June 2026, and the acquirer's surcharge itself may run from 1% to 2.5% plus GST.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | ₹499/yr |
| Fee Waiver | Spend ₹50,000/year |
| Forex Markup | 0% |
| Interest Rate | 47.88% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn. Not applicable to Virtual Credit Cards. |
| Reward Redemption Fee | 0 |
