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YES BANK
A lifetime free UPI credit card with Rio coins, a fuel surcharge waiver and limits to Rs. 5 lakh
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to YES BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms read from published copy
The rates below were read from YES BANK’s published wording rather than a confirmed rate table, so treat them as indicative.
Terms effective from 10 Oct 2026.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
Biggest limitation
Complimentary domestic lounge access is granted in a quarter only if the minimum spend for the previous quarter was met.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | Not published by YES Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | Not published by YES Bank in the summary for this card. Check the card's schedule of charges. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
The issuer publishes no additional spend condition for this card's lounge access.
No fuel surcharge waiver is published for this card.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| YES Bank Rio RuPay Credit Card · this card | Lifetime free | Not published | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed as Rio coins through the Rio app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Nothing. It is lifetime free — no joining fee and no annual fee, with no spend condition attached to keeping it. The card is issued by YES Bank with Rio Money and NPCI, and supports credit limits up to Rs. 5 lakh.
It has to be earned. Complimentary domestic airport lounge access is granted in a quarter only if the minimum spend for the previous quarter was met — so lounge access in a given quarter depends on how you spent in the one before it. On a card that costs nothing, that is a fair trade, but it is not access you can count on without using the card regularly.
That cannot be calculated from what is published. Rewards accrue as Rio coins in the Rio app, but neither a per-rupee earn rate nor a rupee value per coin is published by the partnership. Where a card does not publish its earn rate, the honest reading is to treat the rewards as incidental and judge the card on the fee and the benefits.
Because RuPay is the only network whose credit cards can be linked to a UPI app. That means this card can pay at any QR code — a vegetable stall, an autorickshaw, a kirana shop — where a Visa or Mastercard credit card cannot be used at all. For a card built around UPI, that is the whole proposition.
3.99% a month, which is 47.88% a year — among the highest in this catalogue. The practical consequence is simple: this is a card to pay in full every month. Revolving a balance here costs far more than the rewards can return, whatever the Rio coin rate turns out to be.
Somebody whose spending is mostly UPI and who wants a credit line behind it at no cost. The UPI linkage is genuinely useful and the fee is zero, so there is little to lose. Anybody choosing on reward rate should look at the cards in this catalogue that publish theirs.
RuPay is the only card network whose credit cards can be linked to a UPI app. That single fact is what separates a card like this from almost everything else in this catalogue: it can pay at a vegetable stall, an autorickshaw or a kirana shop with a printed QR code, where a Visa or Mastercard credit card cannot be used at all.
YES Bank issues the Rio card with Rio Money and NPCI, and it is designed around that use rather than adapted to it. It is lifetime free with no spend condition, and supports credit limits up to Rs. 5 lakh — a high ceiling for a card that costs nothing to hold.
Complimentary domestic airport lounge access is included, but it is earned rather than given: access in a quarter depends on having met the minimum spend in the previous quarter. Spend too little between January and March and the April to June quarter has no lounge access, whatever you spend during it.
Several cards in this catalogue work this way and the pattern is worth recognising. On a free card it is a reasonable trade — the bank is funding the benefit out of interchange on your spending — but it is not access to rely on for a trip unless the card is in regular use.
Rewards on this card accrue as Rio coins in the Rio app, and the partnership publishes neither a per-rupee earn rate nor a rupee value per coin. That means there is no honest way to say what the card returns on spending, and anybody comparing it on reward rate is comparing against a blank.
Where a card does not publish its rate, the right approach is to value it at what is published and treat the rewards as incidental. Here that is a zero fee, UPI linkage, a fuel surcharge waiver and conditional lounge access — enough to justify holding, not enough to justify making it a main earning card. One more figure does matter: at 3.99% a month, or 47.88% a year, this is a card to clear in full every statement.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
YES Bank Rio RuPay Credit Card — see the rates above. No annual fee.