Yes Bank · RuPay

YES BANK
Kiwi Yes Bank RuPay
RuPay

Illustration. Official card art comes from the bank.

Kiwi Yes Bank RuPay

UPI-first users who want credit on scan and pay.

Annual feeFree
Fee waiverNot needed
Rewards paid asReward points
Lounge visitsNone
Forex markup3.5%
Typical income₹20,000/mo
Is it right for me? Check in a minuteCompare and full details

Rewards

Where you spendYou get back
UPI scan & pay1.5%
Everything else0.5%

No rewards on: fuel, rent, bills.

How to get the most from it

  1. Use it for scan-and-pay at shops and kiranas to earn 1.5%.
  2. Card-number payments earn less, so keep online shopping on another card.
  3. No annual fee, so it is a low-risk way to start building credit.
  4. Keep UPI credit spends under 30% of your limit to protect your score.

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Details last checked recently. Banks change terms often, so confirm on Yes Bank's website before applying.