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YES Bank
Kiwi (YES Bank RuPay)
Entry levelCashbackLifetime freeWorks on UPIRuPayPending re-check
Joining fee
Free
Annual fee
Free
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Lifetime free RuPay card built for UPI
- ✓Rewards on UPI scan & pay at shops
Watch out for
- !UPI to individuals (P2P) not allowed on credit cards
- !Higher rate needs the paid Neon upgrade
Rewards
| 1.5% back on UPI scan & pay | 1.5% | no cap |
| Everything else (base rate) | 0.5% | no cap |
No rewards on: Fuel, Rent
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹3,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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