M16S / Yes Bank / YES BANK Uni Credit Card
entry · cashback, cobrand, upi
YES BANK Uni Credit Card
The YES BANK Uni Credit Card costs Rs 499 a year, waived if you spend Rs 50,000 in a year. Its base return is 1%. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- 1%
- Forex markup
- 0%
- Interest
- 3.99%a month
Apply on yes.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 50,000 |
| Fee notes | Zero joining fee; renewal Rs 499 waived on Rs 50,000 retail spend in the 12 months before renewal; not applicable to cards issued lifetime free (issuer page). The RuPay virtual twin has no joining or annual fee. Uni's own Key Fact Statement shows the annual fee as zero ('previously Rs 499'). |
Rewards
| Reward currency | Uni coins |
|---|---|
| Base earn | 1% reward points, issued as Uni coins, on eligible spends (described as unlimited) |
| Base returnunverified | 1% |
| Point valueunverified | Rewards are issued as Uni coins; the rupee value of a coin is not stated on the issuer page |
| Caps | None: the issuer page describes the 1% as unlimited. |
| Spends that earn nothing | No Uni coins on fuel, wallet loads, rent, government payments, education, utility and telecom payments, EMI transactions, cash advances/withdrawals, marketing and advertising services, and international transactions (issuer page). |
| Reward notes | base_return_pct left null: the issuer states the earn as '1% Reward points (issued as Uni coins)' but not what a coin is worth; if a coin is worth Rs 1 the return is 1%. International transactions earn nothing, so the zero forex markup comes without rewards. |
Travel and perks
| Domestic lounge | None found |
|---|---|
| International lounge | None found |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% on fuel transactions up to Rs 7,500, cap Rs 500 per statement |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement |
| Cash advance fee | 2.5%, minimum Rs 650 from 15 Jun 2026 (Uni Key Fact Statement) |
| Eligibility | Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible; applied for in the Uni app. The RuPay virtual card is only for existing Uni cardholders. |
| Fine-print notes | Issuer product page read 12 Oct 2026: source_product_page was Uni's Key Fact Statement (now moved to source_other). The issuer's Uni and Uni RuPay pages confirm: 0% forex markup, zero joining fee, Rs 499 renewal waived on Rs 50,000, unlimited 1% rewards, fuel waiver up to Rs 7,500 per transaction with a Rs 500 cap per cycle, and eligibility. Changes: rewards are issued as Uni coins, not rupee cashback (aggregator said cashback); the exclusion list is new and includes international transactions. The physical card's network is still not stated; a RuPay virtual twin is confirmed. source_quality stays mixed only because the cash-advance fee wording cites Uni's Key Fact Statement. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Zero forex markup and no DCC charge per the MITC. Uni's statement limits rent to 3 transactions a month. MITC lists both 'Uni' and 'Uni RuPay Virtual'; the physical card's network was not stated in the sources read. |
Questions
- What is the annual fee of the YES BANK Uni Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- Does the YES BANK Uni Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the YES BANK Uni Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the YES BANK Uni Credit Card?
- No Uni coins on fuel, wallet loads, rent, government payments, education, utility and telecom payments, EMI transactions, cash advances/withdrawals, marketing and advertising services, and international transactions (issuer page).