YES BANK UNI Credit Card
YES BANK
Free
Joining fee
₹499, waived at ₹1.2L spend
Annual fee
Rs 499 joining fee waived if spending Rs 5,000 within the first 30 days; Rs 499 annual fee waived if annual spending reaches Rs 50,000.
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed; minimum net monthly salary Rs 25,000 OR annual ITR Rs 7.5 lakh.
Lounge access
0 domestic / 0 international visits per year
Reward details
Unlimited 1% cashback across all transactions, no spending caps or category exclusions mentioned
Redemption
Not detailed in content fetched
- Fuel surcharge waiver 1% on fuel purchases up to Rs 7,500/month, capped at Rs 500/month benefit
- 0% forex markup on international transactions - notably favorable versus most cards in this catalog
Real-world feedback
No customer sentiment or complaint data present in content fetched.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards