The Yes Bank RuPay Card is a UPI credit card that is easily linked to any UPI app. After linking the card, you can make a UPI payment with its help.
Card Type: RuPay Credit Card
- Convenience: You can make UPI payments without any physical card.
- Security: You get this card in digital form, so this card will not be delivered to your home.
- Rewards: You can also earn reward points by making UPI payments and redeeming the earned cashback on various categories.
- Credit flexibility: You can enjoy the credit flexibility of a credit card while making UPI transactions.
Fees:
- Zero First-Year Membership Fee
- Zero Renewal Membership Fee
- 3.80% per month (45.60% annually)
Eligibility criteria:
- All VISA and MasterCard Credit Card holder
Required Document
- Pan Card
- Aadhar Card
- Income Proof
- Address Proof
Additional Details:
- Instant EMI
- EMI On Call
- Quick Loan
- Yes PayNow
Pros & Cons
Pros
- UPI Transactions with Credit: You can leverage UPI for transactions while still getting the benefits of a credit card, including the credit-free period and reward points.
- Reward Points: Yes Bank RuPay Credit Card offers you reward points on purchases made online and offline.
- Potential for Lifetime Free Card: You get this card without any joining and annual fees.
Cons
- Limited Acceptance: RuPay cards may not be accepted by all merchants compared to Visa or Mastercard, especially internationally.
- Potentially Lower Rewards Rate: RuPay card gives less cashback compared to Visa and Mastercard.
- Lower Credit Limits: If you spend more, your RuPay card’s credit limit may be lower than other cards.
Overall, a Yes Bank RuPay Credit Card can be a good option for someone who:
- Primarily spent in India where RuPay is widely accepted.
- Makes frequent UPI payments and wants to earn rewards on them.
- Prefers a card with no annual fee (subject to card variant).
Please Read Our other credit card reviews
If you are looking for a convenient and secure way to make payments using your Yes Bank Credit Card, the Yes Bank RuPay Credit Card is a great option. You can apply for this online.
Disclaimer
CredBanking will not be responsible for any changes in the rewards and fees of this Credit Card obtained from online sources.
