YES Bank RuPay Credit Card
The YES Bank RuPay Credit Card is a lifetime free credit card that comes with several benefits such as fraud protection and reward points. UPI payments can be made by using the credit card.
You can apply for the YES Bank RuPay Credit Card online and the process is simple. Only a virtual credit card will be provided. Accelerated reward points are offered on UPI transactions. The foreign currency markup is 2.75%. The process to link the credit card to any UPI app is very simple. You have the option to convert transactions worth Rs.1,500 and above to EMIs.
Features and Benefits of the YES Bank RuPay Credit Card
The main features and benefits of the YES Bank RuPay Credit Card are mentioned in the table below:
Category | Features |
UPI | UPI payments can be made. |
Virtual Card | Only a virtual card will be provided. No physical card will be provided. |
Lifetime Free | No joining fee or annual fees need to be paid. |
Reward Points | 4 reward points will be provided for every Rs.200 that is spent via UPI above Rs.2,000.2 reward points will be provided for every Rs.200 that is spent online. |
Instant EMI | Transactions worth Rs.1,500 and more can be converted to EMIs instantly. |
EMI on Call | You can call the customer care number to convert transactions to EMIs. |
Quick Loan | Loans are provided on the limit that is available on the card. |
YES PayNow | Bills will be paid every month on time. |
E-Mandate | Standing instructions can be set up so that bills can be paid on time. |
How to Link YES Bank RuPay Credit Card on UPI Apps?
The process that needs to be followed to link YES Bank RuPay Credit Card on UPI apps is mentioned below:
- Open the UPI app and log in to your account.
- Choose ‘Add Credit Card/ Link Credit Card’.
- Choose ‘YES Bank’.
- Choose the YES Bank credit card that will be linked to your account.
- Choose ‘Confirm’ to complete the process.
How to Make UPI Transactions using the YES Bank RuPay Credit Card?
Given below is the process to make UPI payments using the YES Bank RuPay Credit Card:
- Open the UPI app and log in to your account.
- Enter the Merchant UPI ID or scan the code.
- Enter the amount.
- Choose YES Bank RuPay Credit Card.
- Enter the UPI PIN to complete the process.
Eligibility Criteria
YES Bank MasteCard and Visa card holders can apply for the YES Bank RuPay Credit Card. However, you cannot apply for the card if you have Purchase, Cobranded, Corporate, FD Backed, and NRI credit cards.
Fees and Charges
The different fees and charges are mentioned in the table below:
Category | Fees |
First Year Membership | Nil |
Renewal Membership | Nil |
Interest Rate on Overdue Amount, Cash Advances, and Revolving Credit | 3.99% per month or 47.88% per year |
Foreign Currency Markup | 2.75% |
How to Apply for the YES Bank RuPay Credit Card?
The process that must be followed to apply for the YES Bank RuPay Credit Card is given below:
- Visit https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/rupay-credit-card.
- Click on ‘Apply for Rupay Credit Card’.
- Click on ‘Apply Now’.
- Next, enter your mobile number.
- Click on ‘Submit’.
- Follow the steps on the next page to apply for the credit card.
FAQs on YES Bank RuPay Credit Card
- Can I visit the nearest YES Bank branch and apply for the Rupay Credit Card?
Yes, you can visit the nearest YES Bank branch and apply for the Rupay Credit Card.
- Does the YES Bank RuPay Credit Card come with airport lounge access benefits?
No, the YES Bank RuPay Credit Card does not come with airport lounge access benefits.
- Can I pay the YES Bank RuPay Credit Card bill online?
Yes, you can pay the YES Bank RuPay Credit Card bill online.
- What are the different UPI apps where the YES Bank RuPay Credit Card can be linked?
Paytm, Google Pay, PhonePe, and BHIM are the different UPI apps where the YES Bank RuPay Credit Card can be linked.
- What is the transaction limit of the RuPay Credit Card for UPI transactions?
The transaction limit of the RuPay Credit Card for UPI transactions is Rs.1 lakh.
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