Yes Bank RIO Credit Card: Benefits & Apply

Table of Contents

Summary

The Yes Bank RIO Credit Card is a great choice if you want to obtain the greatest rewards for the least amount of money. First of all, it offers a lifetime free advantage, which means you don’t have to pay a joining charge or an annual fee as long as you spend at least ₹1.2 lakh every year. This is a great option for people who want a credit card with a lot of features but don’t want to pay a lot for it.

One of the best things about this card is that it works with UPI. This makes it easier for customers to connect their credit cards to well-known apps like PhonePe, Google Pay, and others. You get 3% back in Rio Coins when you use UPI to buy something. You get 1% back on other purchases. This money goes straight into your card account. It also lets you go to domestic lounges for free every three months, which makes your vacation better without paying you anything extra.

You don’t have to pay the 1% fuel surcharge on transactions between ₹400 and ₹5,000, which helps you save money on products you buy every day. You can also pay without touching the card, which makes it easy and safe to buy products at terminals that work with it.

Introduction

Credit cards are more than simply a way to pay for things these days. They offer lifestyle advantages, incentives, and convenience that make our lives easier. The Yes Bank RIO Credit Card is one of these credit cards that has recently gotten a lot of attention. This card was made for young professionals, those who spend a lot, and people who shop smart. It has a lot of great advantages and rewards, all while being easy on your wallet.

The Yes Bank RIO Credit Card is free for life, so you don’t have to worry about paying any yearly fees. This is a wonderful alternative for folks who are just starting to build their credit or for people who want a card with a lot of features but don’t want to pay extra fees. The card also works with RuPay Select, which means you may use it on India’s card payment network, RuPay. This also gives you access to more RuPay deals and savings on travel, food, wellness, and more.

Now, let’s talk about the good things. You may earn reward points on every purchase you make with the RIO Credit Card, whether you are shopping online, purchasing groceries, or paying your energy bills. You can use these points later to get gift cards, products, or other great deals from the Yes Rewardz catalog. The card also gives you free access to lounges, which is a great way for frequent travelers to relax at airports without having to pay more. It also has fuel fee waivers, which save you money every time you fill up your car.

What is the Yes Bank RIO Credit Card?

The Yes Bank RIO Credit Card is a unique credit card that comes with intriguing features and benefits and doesn’t charge an annual fee. In short, it’s a credit card that you may use for free for the rest of your life. It helps you save more money while also spending wisely. This card is special because it is powered by the RuPay Select network. This gives you access to more RuPay advantages, including access to lounges, wellness programs, and more.

Also, this credit card is great for folks who want to start developing their credit history or who want a card with beneficial features that doesn’t cost a lot. It gives you reward points on your everyday purchases and lets you pay without touching anything. It also waives the fuel surcharge and makes it easier to pay in installments. You can also quickly manage your card through Yes Bank’s mobile app and online banking.

How is the design of the Yes Bank RIO Credit Card?

The Yes Bank RIO Credit Card looks good. The black and blue colouring makes it look like a high-end item right away. The card has a smooth, matte texture that looks great and professional, whether you use it for business or show it to friends.

You don’t have to touch the card to use it. You may make quick and safe payments by only tapping the machine instead of swiping or inserting. Not only does this feature make it look newer, but it also speeds up and safeguards transactions. The card has a RuPay Select mark on it that says it is part of a certain network and lets you use lifestyle perks.

What are the benefits of the Yes Bank RIO Credit Card?

Here is a list of the most important items you should know regarding the Yes Bank RIO Credit Card. It is written in straightforward English with clear transitions:

1. Cash back rewards in Rio Coins

When you use UPI to buy something that costs more than ₹100, you get back ₹3 for every ₹100 you spend.

You get ₹1 for every ₹100 you spend if you don’t use UPI.

Also, these Rio Coins automatically change into a statement credit, so you don’t have to do anything else.

2. You can use the lounge for free.

You can utilise a domestic airport lounge for free twice every three months.r

Some plans let you use lounges in other countries, but you might have to pay a fee to do so.

3. Getting rid of the petrol surcharge

You save 1% on the fuel surcharge, which only applies to purchases between ₹400 and ₹5,000 and is limited to ₹250–₹300 each billing cycle.

So, it costs a bit less to fill up.

4. No joining charge and free for life

Joining is free, and when you spend ₹1.2 lakh, you don’t have to pay the yearly cost of ₹399.

As long as you utilise it, it stays free.

5. Works with UPI and doesn’t need to be touched.

You may use the card right away by linking it to UPI apps like PhonePe and Google Pay. This makes it simple to use a digital wallet to pay at millions of places.

Also, tap-and-pay without touching makes it quick and safe to buy little things.

6. Use smart apps

The Rio app and Yes Bank’s platforms let you rapidly access tailored offers (“Know Your Offers”), keep track of your reward coins, pay your invoices, or keep track of your expenditure.

What are the fees for the Yes Bank RIO Credit Card?

Here is a simple breakdown of the Yes Bank RIO 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 RIO 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 RIO Credit Card?

The documents that you will have to submit to get the Yes Bank RIO 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 RIO Credit Card be used?

Here is the list of places where you can use it:

With the Yes Bank RIO 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 RIO Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The Yes Bank RIO 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 RIO Credit Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank RIO 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 RIO 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 RIO Credit Card.

Simply hover your cursor over the Yes Bank RIO 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 RIO Credit Card.

Request the credit card application form for the Yes Bank FinanceBooster Rupay 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 RIO 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 RIO Credit Card in 2025 be the right choice?

Obtaining the Yes Bank RIO 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

If you want to use a credit card but don’t want to pay large annual fees, the Yes Bank RIO Credit Card is a great choice. This card is perfect for everyday use because it provides several benefits, such as free lifetime membership, UPI cashback, reward points on everyday purchases, free access to domestic airport lounges, and no extra charges for gasoline. You may save money and earn points by using this card to purchase online, buy tickets, pay bills, or eat out.

This card works with UPI and has contactless payment technology, which… You can easily link it to apps like Google Pay or PhonePe, and you may pay for things anywhere and at any time without any hassles. The RuPay Select platform also includes other lifestyle benefits, such as discounts on dining out, health and fitness, and more.

It’s also quite easy to apply online, which is wonderful. You don’t have to go to the bank. Fill out your basic information online, upload your documents, and wait for them to be authorized. If you match the conditions, the card will be delivered to your door in a few days.