Virtual RuPay Credit Card for Seamless UPI Merchant Rewards
YES BANK customers seeking a digital card to earn rewards on daily QR code UPI payments from credit lines.
Free
One-time upfrontFree
Lifetime Free — no renewal fee4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Bank RuPay Credit Card is designed as a virtual companion card that integrates directly with India's Unified Payments Interface (UPI) ecosystem. Typically issued as a Lifetime Free (LTF) virtual add-on for existing YES BANK credit card customers, it unlocks the ability to pay local grocery stores, supermarkets, restaurants, and pharmacy QR codes directly from a revolving credit limit rather than draining savings accounts. Cardholders earn 8 YES Rewardz points per ₹200 spent on UPI merchant transactions across groceries, supermarkets, and dining, and 2 YES Rewardz points per ₹200 on other eligible retail categories. Because the card is 100% digital, there is no physical plastic to carry or misplace; all card details and transactions are managed securely inside the YES Online app and linked UPI apps like PhonePe, Google Pay, Paytm, and BHIM. As a dedicated micro-transaction utility, it does not include airport lounge visits, movie ticket discounts, or concierge services. Under NPCI regulations, UPI peer-to-peer (P2P) transfers to friends and family do not earn points and cannot be executed from credit cards. For anyone already banking with YES BANK, adding this virtual RuPay card is an effortless win that turns daily routine QR code payments into valuable reward points.
4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Transactions | 8 Reward Points per ₹200 spent on UPI payments (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 2 Reward Points per ₹200 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Transactions | ₹12,000 | 8 Reward Points per ₹200 spent on UPI payments (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 2 Reward Points per ₹200 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free for existing cardholders) / ₹399 standard. • Annual Renewal Fee: ₹0 (Lifetime Free) / ₹399 waived on spending ₹50,000 in preceding year. • UPI Rewards: 8 YES Rewardz points per ₹200 on UPI transactions for dining, supermarkets, and groceries. • General Retail: 2 YES Rewardz points per ₹200 on other eligible retail categories. • Point Valuation: 1 YES Rewardz Point = ₹0.25 on the YES Rewardz catalog. • Restrictions: P2P UPI transfers, wallet reloads, rent payments, and fuel purchases do not accrue points.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES Bank RuPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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