YES Bank RuPay Credit Card – The Definitive Guide to Benefits, Features and Application

Introduction

4 Min. Read In today’s digital age when everything is inching towards contactless transactions, the credit cards are no longer just a payment instrument, it’s a medium of convenience offering rewards and a lot more. Amidst a plethora of credit card products, the YES Bank RuPay Credit Card claims to be one of the best choices for a customer who wants to withdraw rewards, want to experience hassle-free transactions, and avail a lot of benefits – and that too, for lifetime free.

Summary of the YES Bank RuPay Credit Card

The YES Bank RuPay Credit Card is tailored for the contemporary, digital friendly consumer who requires the ease of a digital-first, virtual credit card.

Key Highlights of the YES Bank RuPay Credit Card

Joining and Renewal Fee

• Joining Fee: ₹0
  
  
• Renewal Fee: ₹0
  
  

Virtual-Only Credit Card

• Works via digital channels, not issued physically
  
  
• UPI Integration: Compatible with Google Pay, PhonePe, Paytm
  
  
• Secured Transactions
  
  

Reward Points

• 4 Reward Points for every ₹200 spent on UPI transactions of ₹2000 and above
  
  
• 2 Reward Points per ₹200 spent on all other online spends
  
  

Cashback on Select Categories

• 5% Cashback on online shopping & travel bookings
  
  
• 1% Cashback on fuel spends (capped)
  
  

Instant EMI Facility

• Available for purchases above ₹1,500
  
  
• Tenure options available for EMIs
  
  

Quick Loan Facility

• Instant loan up to approved credit limit
  
  
• Minimal documentation
  
  
• Attractive interest rates (from 8.99% p.a.)
  
  

YES PayNow and E-mandates

• Automate bill payments
  
  
• Set recurring payments for subscriptions, insurance, utilities
  
  

Card Protection Plan

• Protects against fraudulent transactions
  
  
• Mastercard SecureCode / Verified by VISA support for online safety
  
  

Why to opt for the YES Bank RuPay Credit Card?

Lifetime-Free Card

No joining or annual fee, unlike many other premium credit cards.

Seamless UPI Integration

Perfectly designed for users who make frequent UPI-based payments via mobile apps.

Attractive Reward Points

4 points per ₹200 on UPI; usable for travel, shopping, and entertainment.

Easy EMI Conversion

Allows large purchases to be paid in small, manageable monthly installments.

Instant Cashback and Easy Loan Assistance

• Cashback on key categories
  
  
• Quick Loan feature for emergencies
  
  

Eligibility Criteria

• Age: 21 to 60 years
  
  
• Income: ₹25,000/month or ₹7.5 lakh annual ITR
  
  
• Employment: Open to salaried and self-employed applicants
  
  

Final Thoughts

The YES Bank RuPay Virtual Credit Card is a good option if you want a virtual-only credit card with lifetime free benefits and a wide range of features.