Yes Bank RuPay Credit Card: Benefits & Apply

Summary

The Yes Bank RuPay Credit Card is available to people in India every day. This credit card is both smart and affordable. This card is backed by Yes Bank, one of India’s most well-known private banks. It works with RuPay. It has everything you need: safety, rewards, and ease of use.

First of all, the card comes with a lot of benefits, such as reward points, no gas taxes, and unique RuPay savings on well-known sites like Myntra, Zomato, and others. These things make it easier and more exciting to spend money every day. You can also pay without touching anything, which makes shopping faster and safer.

The card’s simple, pretty design will make your wallet look nicer. You may shop without anxiety because it has a lot of safety measures, such as EMV chip protection and the fact that you won’t have to pay for it if you lose it or have it stolen.

Introduction

Having a credit card is more of a need than a want in today’s environment. A credit card is useful and gives you rewards when you shop online, book tickets, pay bills, or take advantage of dining deals. The Yes Bank RuPay Credit Card is one of the best credit cards on the market because of its unique features, wide acceptance, and smart advantages.

First of all, Yes Bank is one of India’s best private banks, and it is known for its cutting-edge financial services. It has teamed up with RuPay, a growing and frequently used local card payment network, to offer a variety of credit cards that are perfect for Indian customers. The Yes Bank RuPay Credit Card is a good choice since it combines the trustworthiness of Yes Bank with the low cost and perks of RuPay.

This credit card is also made to be useful for people who use it every day. It contains everything a budget-conscious person needs, from exemptions from gasoline surcharges to cash back incentives and reward points. RuPay cards are now accepted on most platforms, both online and offline, which makes them even more appealing. So, you may use this card with confidence for all of your purchases, whether they are at a mall or through a meal delivery app.

Yes Bank also has numerous types of RuPay credit cards to meet different purposes. Some are better for buying online, while others provide you with amazing deals on food or travel. You may simply pick a Yes Bank RuPay Credit Card that fits your spending habits, no matter how you live.

What is the Yes Bank RuPay Credit Card?

The Yes Bank and RuPay, India’s domestic card payment network, work together to offer the RuPay Credit Card. RuPay is different from other international cards like Visa or Mastercard because it is meant to give Indian users safe and cheap payment options.

This credit card works exactly like any other standard credit card. You may use it to purchase online, pay bills, book tickets, eat out, or get cash in an emergency. But what makes it different is that it has great deals and perks, specifically for Indian customers.

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

The Yes Bank RuPay Credit Card has a basic, modern, and attractive appearance. The card’s clear layout and stylish colour scheme make it look like a high-end product at first glance. The Yes Bank logo is normally in the top corner, and the RuPay logo is readily visible at the bottom, showing what network the card is on.

Most Yes Bank RuPay cards also have an EMV chip and a contactless payment symbol, which means they may be used for safe, tap-to-pay transactions. This makes the card look safer and more convenient.

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

In basic terms, here are the primary benefits:

1. Earn points with every purchase

The best part about this card is that you gain points for every transaction. You can get points by shopping online, going out to eat, or paying your utility bills. You can then use these points to acquire gifts, coupons, or lower prices.

2. No fuel surcharge

Also, if you use your Yes Bank RuPay Credit Card to pay for gas, you won’t have to pay a fuel surcharge at any gas station in India. This means that you save more every time you fill up your automobile.

3. Unique Offers Only for RuPay

This card works on the RuPay network, so you can get special deals on popular apps and platforms. These include discounts on apps for ordering food, booking trips, fitness packages, and even paying your bills.

4. Payments that are safe and don’t need to be handled

You can also pay with the card without touching it, so you can buy things quickly and safely without having to enter your PIN. This feature is useful for buying things every day and speeds up the checkout process.

5. No Fraud Liability

If you lose your card and alert the bank quickly after, you won’t be safe from any fake transactions that take place after you do. If you lose something or it is stolen, this will help you feel better.

6. Free insurance coverage

Some Yes Bank RuPay Credit Cards come with complimentary insurance for accidental death, accidents while flying, or transactions, depending on the type of card. This will help you stay financially stable without costing you anything more.

7. Some models let you use airport lounges.

If you receive one of the higher levels of the Yes Bank RuPay Credit Card, you can also gain free admission to airport lounges at select domestic airports. This will make your trip more comfortable.

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

Here is a simple breakdown of the  Yes Bank RuPay 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 3.80% per month (45.60% 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 RuPay 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 RuPay Credit Card?

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

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

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

• The Yes Bank RuPay 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 RuPay Credit Card?

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

• Simply hover your cursor over the Yes Bank RuPay 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 RuPay Credit Card.

• Request the credit card application form for the  Yes Bank 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 RuPay 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 RuPay Credit Card in 2025 be the right choice?

Obtaining the Yes Bank RuPay 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 RuPay Credit Card is a wonderful credit card that provides the appropriate mix of savings, security, and smart features. This card is a great option if you’re new to credit cards or looking for a second one you can trust. It is quite useful for consumers who wish to keep track of all of their reward points, fuel perks, lifestyle incentives, and contactless payments in one place.

You can also get exclusive RuPay deals that only Indian customers can use because the card operates on the RuPay network. You may save money on well-known sites like Zomato, BookMyShow, and Myntra with these bargains. This makes spending money every day more exciting. The card’s design is quite excellent and professional, so it looks nice in your wallet.

The card also includes security features, such as not being responsible for lost cards and being able to reduce big purchases into manageable EMIs. This makes it easier to stick to your monthly budget. Also, the low or free yearly fee makes it a wonderful alternative for everyone, including students and individuals who work.

Frequently Asked Questions (FAQ’s)