Question 1

What is the annual fee on the YES BANK RuPay Credit Card and how do you get it waived?

Accepted Answer

The YES BANK RuPay Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because YES Bank prices some variants differently.

RECENT CHANGES

Terms were revised recently — verify current fee, reward and exclusion terms before you apply.

Question 2

What is the reward rate on the YES BANK RuPay Credit Card?

Accepted Answer

You earn 4 points per ₹200 on UPI transactions above ₹2000. Everything else earns 2 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹50, which is about 0.5% back.

Question 3

Does the YES BANK RuPay Credit Card give free airport lounge access?

Accepted Answer

The YES BANK RuPay Credit Card gives 2 complimentary domestic lounge visits a year. There is no prior spend requirement on paper, though YES Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the YES BANK RuPay Credit Card recently and is it still worth it in 2026?

Accepted Answer

YES blanket devaluations (redemption caps, exclusions, spend-based lounge). The changes are dated Dec 2024-May 2025. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

Card Details

YES BANK RuPay Credit Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind