Summary
In short, the Yes Bank UNI Credit Card is a solid and flexible financial tool that works well for people who are tech-savvy and careful with their money. You don’t have to worry about extra expenditures with this card because it doesn’t have a membership fee or an annual fee. It’s a good pick for both people who are new to cards and people who have had them for a while. One of the best things about this card is that you may “Pay in 3 parts.” It helps people split their monthly debt into three equal payments without having to pay interest. This not only helps with money troubles, but it also helps you keep track of your money better when things are bad.
The card also gives you other rewards and cash back for activities like planning trips, ordering food online, and paying for gas. These benefits let cardholders save money while still going about their daily lives. Not only does this card provide perks, but the UNI app is also incredibly easy to use because it is designed for digital use first. You can do everything on your phone, from applying to keeping track of payments, without using any paper. This makes things even faster and easier.
The card’s simple and safe design helps consumers feel safer and gives it a high-end look. It is safer and more up-to-date because the card data isn’t on the front, and you can pay without touching it.
Introduction
In today’s fast-paced world, credit cards have become an essential element in managing finances. They help us keep track of our daily spending, offer us access to fun rewards, and provide us with money when we need it most. The Yes Bank UNI Credit Card is one of the most popular credit cards in India since it has unique features and benefits. This credit card is good for everyone, whether you shop a lot, travel a lot, or just want a smart way to manage your money.
To begin with, the Yes Bank UNI Credit Card is designed to be easy to use and flexible. One of its best features is the “Pay in 3 parts” option. This means you may pay your subscription in three simple monthly payments without having to pay any extra costs. You don’t have to worry about paying for everything at once if you buy anything substantial. You can enjoy the item and pay for it in installments without any extra expenses. This card is quite useful for people who want to better manage their money, whether they are students or professionals.
There are also no fees to join or use the card each year, which is a big bonus for folks who are new to credit cards or are getting their first one. Many credit cards contain hidden fees or costs that you don’t know about until you get them. The Yes Bank UNI Credit Card is not one of those cards. This structure is straightforward for a lot of individuals to use because it doesn’t impose fees.
The credit card also offers amazing rewards on every transaction, including cash back and exclusive deals from well-known brands. People who use this service can obtain special bargains and discounts on items like booking flights, buying petrol, food delivery, and shopping online. You may save extra money every time you swipe with these perks.
What is the Yes Bank UNI Credit Card?
The Yes Bank UNI Credit Card is a new credit card that gives its members a lot of freedom, ease, and amazing rewards. This credit card is different from others because it lets you pay your monthly amount in three easy installments without any extra fees or interest. If your bill is large one month, you don’t have to worry. You may just pay it in smaller amounts and make it easier to handle.
Also, this credit card doesn’t have any costs. There are no membership fees or yearly fees. This is a fantastic choice for people who are new to credit cards or who want to get the benefits of a credit card without paying more. The Yes Bank UNI Credit Card also gives you cool cash back and perks on
How is the design of the Yes Bank UNI Credit Card?
The Yes Bank UNI Credit Card has a modern, sleek, and elegant look that fits with the way people live today. The card looks quite high-end at first sight because of its matte surface and sleek design. This card is different from regular credit cards since it doesn’t have a lot of numbers and logos on it. Instead, it has a simple, elegant look that makes it look classy.
Also, the front of the card doesn’t contain the whole card number. It has a clean and safe design, with important information either hidden or put on the back. This not only makes the card seem better, but it also makes it harder to use in a bad way.
What are the benefits of the Yes Bank UNI Credit Card?
Here are the major features of the Yes Bank UNI Credit Card, stated in simple terms with smooth transitions:
No Fees
First of all, you don’t have to pay for the card or for it every year after that. This is great for people who are new to credit cards because it means you can use all of the card’s benefits without having to pay any extra fees.
“Pay in 3 Parts” Option
The “Pay in 3 Parts” option is one of the finest features about it. You can pay your big monthly bills in three equal payments with no interest. This makes it easy to keep track of your money without spending more.
Rewards and cash back
You can also get money back and rewards for things like shopping, going on excursions, and having meals delivered. Every time you swipe, you get additional value, which helps you save money over time.
More safe
The card’s front doesn’t reveal the whole number, and the design is rather plain. This keeps the look nice and safe, and it makes it harder for fraud to happen.
A completely digital experience
You can do everything online, from applying for the card to getting your statements and keeping track of your spending. With the UNI app, you can keep track of your purchases, pay your invoices, turn them into EMIs, and get your incentives right away.
Deals Just for You
Your pal can also help you acquire sales and discounts at big stores. These fantastic internet offers on meals, travel, and shopping can help you get the most for your money.
What are the fees for the Yes Bank UNI Credit Card?
Here is a simple breakdown of the Yes Bank UNI Credit Card fee.
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Yes Bank UNI Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get a Yes Bank UNI Credit Card?
The documents that you will have to submit to get the Yes Bank UNI Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Yes Bank UNI Credit Card be used?
Here is the list of places where you can use it:
- With the Yes Bank UNI Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Yes Bank UNI Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The Yes Bank UNI Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Yes Bank UNI Credit Card?
The credit amount you can spend is what you are provided with when you have a Yes Bank UNI Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.
It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.
How do you apply for the Yes Bank UNI Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Yes Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank UNI Credit Card.
- Simply hover your cursor over the Yes Bank UNI Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can request additional documents or information if necessary.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Yes Bank branch to apply for the Yes Bank UNI Credit Card.
- Request the credit card application form for the Yes Bank UNI Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Yes Bank UNI Credit Card by post at the same postal address.
- Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Yes Bank UNI Credit Card in 2025 be the right choice?
Obtaining the Yes Bank UNI Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.
Conclusion
In short, the Yes Bank UNI Credit Card is a new and simple credit card that is great for people who are wise and careful with their money. You won’t have to worry about the regular money problems that come with credit cards because there are no costs to enroll or yearly fees. This is a great choice for both new and experienced users.
The “Pay in 3 Parts” function also lets you choose other options. It helps consumers pay off significant expenditures without worrying by letting them make three smaller payments each month with no interest. This is especially helpful for folks who work, go to school, or just wish to have greater control over how they spend their money each month.
You can also get a lot of cash back and points for products you buy a lot with the card. You might save money every time you buy something, order food, book a flight, or fill up your tank. This not only makes the card worth having, but it also makes users plan and spend wisely.
Frequently Asked Questions (FAQ’s)
Ans: You can use the Yes Bank UNI Credit Card anywhere in the world that accepts VISA or Mastercard. But there can be expenses for changing money.
Ans: Yes, of course. The card has advanced security features like tap-to-pay, a small amount of printed information, and the ability to track it in real time through the app. These things make your purchases safer.
Ans: No issue. You can pay the whole amount at once instead of in parts. You can choose every month based on how much money you have.
Ans: You may use the UNI app on both Android and iOS to easily keep track of your spending, see your statements, set restrictions, and pay your bills.
Ans: If you lose your card or someone steals it, you can block it straight away using the app or by phoning UNI’s customer service. This will block anyone from utilizing it without your permission.
