YES BANK Niyo Credit Card

Reward Rate

The YES BANK Niyo Credit Card lets you collect Niyo Coins on eligible transactions, making your everyday spending more rewarding.

• Get 5 Niyo Coins for every ₹100 spent on the Niyo app.
• Receive 4 Niyo Coins for every ₹100 spent on online transactions.
• Collect 2 Niyo Coins for every ₹100 spent on POS transactions.

Fuel Surcharge Waiver

Save on fuel expenses with a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 made at fuel stations across India. The maximum surcharge waiver you can avail of is ₹250 per statement cycle.

0% Forex Markup

One of the biggest highlights of the YES BANK Niyo Credit Card is its 0% forex markup, making it an excellent choice for international travelers and shoppers. Most credit cards charge a 2%–3.5% foreign currency conversion fee on international transactions, which increases your overall spending. With the YES BANK Niyo Credit Card, no forex markup is charged, allowing you to save on every eligible international purchase or payment.

For example, if you spend ₹1,00,000 abroad or on international websites, you can save approximately ₹2,000 to ₹3,500 in forex charges compared to a regular credit card. Whether you’re traveling overseas, paying for international subscriptions, or shopping on global e-commerce platforms, this feature helps reduce your overall transaction costs.

Eligibility Criteria

To apply for the YES BANK Niyo Credit Card, applicants must meet the following eligibility requirements:

• Applicants must be between 21 and 60 years of age.
• Both salaried and self-employed individuals can apply.
• Applicants should have a minimum net monthly salary of ₹25,000 or an Income Tax Return (ITR) of ₹7.5 lakh or above.
• Existing YES BANK Credit Card holders are not eligible to apply for the YES BANK Niyo Credit Card.

Bottom Line

The YES BANK Niyo Credit Card is an excellent choice for frequent international travelers and users who regularly shop on global websites. Its biggest advantage is the 0% forex markup, which helps cardholders save the usual 2%–3.5% foreign currency conversion fee charged by most credit cards. Being a lifetime-free card with decent reward rates of up to 5% in Niyo Coins and a fuel surcharge waiver further adds to its value.

However, the card lacks premium benefits such as airport lounge access, travel insurance, and dining or entertainment privileges, making it less attractive for users looking for a comprehensive travel credit card. If your priority is saving on international transactions without paying annual fees, the YES BANK Niyo Credit Card is a worthwhile option.