YES Bank AI Inside RuPay Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank AI Inside RuPay Credit Card is a entry credit card from YES Bank, with a joining fee of ₹0 + GST.
YES Bank AI Inside RuPay Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- Base rate 1.00%
Welcome Benefits
- Not applicable
YESplatinumentryLifetime freeRewards and Benefits
Rewards Rate
Base 1.00% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by YES Bank.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 0.00% — suited to international spends.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- —