YES Bank RuPay Credit Card 2025
UPI Linked Virtual Card
2% Rewards on UPI >₹2K
1% Fuel Surcharge Waiver
Lifetime Free
Save over ₹8,000+ every year with UPI rewards + free forever + waivers!
UPI-first virtual! YES RuPay is lifetime free virtual card for UPI, 4 RP/₹200 on UPI >₹2K, 2 RP online, 1% fuel waiver, redeem via YES Rewardz.
Digital payments powerhouse!
Why Choose YES RuPay in 2025?
UPI rewards • Lifetime free • Fuel waiver • Virtual secure • Easy link
Best for: UPI users, digital natives, no-fee seekers
Card At a Glance
Joining Fee
Nil
Nil
Annual Fee
Nil
Nil
Reward Rate
2% UPI | 1% Online
2% UPI | 1% Online
Card Type
Virtual RuPay
Virtual RuPay
Fuel Waiver
1% (max ₹125/month)
1% (max ₹125/month)
Forex Markup
2.75%
2.75%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 2.75% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹125/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 4 RP/₹200 on UPI >₹2K
- 2 RP/₹200 on other online
- No expiry on points
- Redeem via YES Rewardz portal
- Excludes P2P, peers
Airport Lounge Access
No access – UPI & rewards focus
Insurance & Protection Benefits
- Zero fraud liability
- Contactless UPI
- Secure virtual
- YES PayNow integration
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime free | Virtual only |
| 2% UPI rewards | No lounges |
| Easy UPI link | 3.75% interest |
| Fuel waiver | UPI >₹2K only |
| Secure digital | |
| No joining fee |
Eligibility Criteria & Documents Required
- Age: 18+ years
- Existing YES customer preferred
- Credit Score: 700+
- Documents: PAN, Aadhaar
How to Apply Online (5-Minute Process)
- Login YES app/site
- Select RuPay add-on
- Verify with Aadhaar/PAN
- Instant virtual activation
- Link to UPI apps
Final Verdict – Should You Get It in 2025?
Best UPI card! Lifetime free + 2% rewards = ₹8K+ value. Essential for digital payments!
Frequently Asked Questions (FAQs)
Virtual only?
Yes! 100% digital for UPI.
UPI rewards?
Yes! 4 RP/₹200 on >₹2K txns.
Lifetime free?
Yes! No fees ever.
Fuel waiver?
Yes! 1% up to ₹125/month.
Easy link?
Yes, to GPay/PhonePe etc.