# Kiwi Yes Bank RuPay (Yes Bank)

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

- Page: https://creditselect.in/cards/kiwi-yes
- Annual fee: none
- Network: RuPay
- Rewards paid as: Reward points
- Lounge visits: none
- Foreign currency markup: 3.5%
- Typical minimum income: ₹20,000 a month
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| UPI scan & pay | 1.5% | none |
| Everything else | 0.5% | |

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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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on Yes Bank's website before applying.