Yes Bank RuPay Credit Card

Following are the key highlights of the Yes Bank RuPay Credit Card:

The key features and benefits of the Yes Bank RuPay Credit Card are mentioned below:

Reward Points

• 8 reward points on spending every Rs. 200 on UPI transactions of above Rs. 2,000.
• 2 reward points on spending every Rs. 200 on all online spends.

Instant EMI

• Convert transactions of Rs. 1,500 or above into EMIs. 
• Zero documentation is required.
• Only a 1% processing fee is applicable.
• Attractive interest rates of 14% to 15% p.a.
• Flexible tenure options of 3, 6, 9, 12, 18, 24, and 36 months.

Quick Loan

• Get a loan amount within your card limit directly transferred to your Savings Account.
• Zero documentation is required.
• Attractive interest rates start at 8.99% p.a. & one-time processing fee of up to 2%.
• Tenure of 6 to 36 months.
• No guarantor or post-dated cheque is required.

YES PayNow

• Pay your bills on time, every month.
• Register bills for your family too with an easy registration process.
• SMS and email alerts.
• No restriction on the number of billers added.

Other Benefits

• Convert transactions of Rs. 1,500 or more into EMIs with EMI on Call service at attractive interest rates.
• With E-mandate, register standing instructions for your bill payments, subscriptions, insurance payments, and so on.
• No physical plastic card will be issued as it is a virtual card.

• First-year membership fee: Zero. 
• Renewal membership fee: Zero.
• Revolving credit charges: 3.80% per month (45.60% annually).
• Foreign currency markup: 2.75% of the transaction value. 
• Rental & wallet transactions: Minimum 0.75% of transaction value or Rs. 1 whichever is higher for rental & wallet transactions above Rs. 1.

• All VISA and MasterCard credit card holders of Yes Bank can apply.
• NRI, Corporate, Commercial, Cobranded, and Purchase Credit Cards are not eligible.

You will require the following documents to apply for a Yes Bank RuPay credit card:

• A copy of the PAN Card or Form 60
• Recent photograph
• Latest Payslip/ Income Tax Return as income proof
• Any of the following address proofs:
  • Electricity Bill
  • Passport
  • Landline Telephone Bill
  • Ration Card

• Any of the following identity proofs:
• Passport
• Aadhaar Card
• PAN Card
• Driving License

*The list of documents given above is indicative and may vary on a case-to-case basis

To apply for a Yes Bank RuPay credit card, follow the steps given below:

• Visit the official website of Yes Bank and then go to the Yes Bank RuPay credit card page.
• Provide the required details to fill out an online application form. 
• Check your eligibility for the desired card.
• Apply for the credit card by hitting the Apply button.
• Complete your KYC.

Once you have received your virtual Yes Bank RuPay Credit Card, you will have to link it to UPI apps for UPI transactions. Follow these steps to do the same:

• Launch any UPI app and enter your app login credentials.
• Select the ‘Add Credit Card/ Link Credit Card’ option.
• Then select ‘YES BANK’ from the list of banks.
• Select your Yes Bank RuPay Credit Card to be linked. 
• Confirm your request.
• For existing mobile banking users of the bank, UPI PIN will remain the same as MPIN. Other customers will be prompted to set up a UPI PIN.
• Your Yes Bank RuPay Credit Card is successfully linked to your UPI app.