- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 RPs for Every ₹200 on Non-UPI Spends
Welcome Benefits
N/A
Yes Bank RuPay Credit Cards
- Updated On: 30 June, 2026
YES Bank is one of India’s well-known private banks that offers a wide range of credit cards that meet the needs of different people and their different ways of spending. Over the years, it has built a strong presence in the credit card industry by offering products that focus on rewards, convenience, and customer-friendly features.YES Bank RuPay Credit Cards are gaining popularity because they make everyday spending easy. They are also widely accepted across India due to the increasing use of the RuPay network.
These cards are especially useful for users who prefer UPI-linked credit card payments and mostly spend within the country. With RuPay credit cards, users can enjoy benefits such as reward points on regular purchases, cashback offers on selected categories, and seamless integration with UPI apps for quick and easy transactions. They also make payments more convenient at local merchants, small shops, and online platforms that support RuPay. By reducing dependence on international card networks for daily use, these cards offer a simple and practical payment solution for regular shoppers and online users who want both flexibility and rewards.
Table of Contents
List of Popular Yes Bank RuPay Credit Cards
- Joining Fee₹2,499 + GST
- Annual Fee₹2,499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
Welcome Benefits
N/A
- Joining FeeLIFETIME FREE (Till 31st March 2027)
- Annual FeeLIFETIME FREE (Till 31st March 2027)
- Best Suited ForShopping | UPI
- Rewards TypeReward Points
Rewards Rate
10 POPcoins/₹100 Spent Online and 2 POPcoins on Offline Purchases. Instant 5% POPcoins via POPUPI
Welcome Benefits
Benefits Worth ₹5,000 Including 500 POPcoins, Cleartrip Voucher Worth ₹750, Cult Sport Voucher Worth ₹500, Zomato Gold Membership (3 Months) and More
Compare the Features of Yes Bank RuPay Credit Cards
| Categories | Klick RuPay Credit Card | YES Bank RESERV Credit Card | Yes Bank RuPay Credit Card | YES Bank POP CLUB Credit Card |
| Joining/Renewal Fees | Lifetime Free | ₹2,499 + GST | Lifetime Free | Lifetime (Till 31st March 2027) |
| Best Suited For | Shopping | Travel | Shopping | Shopping | Shopping | UPI |
| Welcome Benefits | N/A | N/A | N/A |
|
| Movie & Dining | N/A | N/A | N/A | 3 Month Zomato Gold Membership |
| Rewards Rate | 2 RPs for Every ₹200 on Non-UPI Spends |
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|
|
| Domestic Lounge Access | N/A | 12 Domestic Lounge Visits Every Year (3 Per Quarter) on Spending ₹1 Lakh or More in the Previous Quarter | N/A | N/A |
| International Lounge Access | N/A | 6 Lounge Visits Outside India Each Year | N/A | N/A |
Benefits of Having Yes Bank RuPay Credit Cards
The RuPay payment system was introduced by the National Payments Corporation of India in 2014. In just a brief period, it has gained widespread acceptance across the nation. With a RuPay Credit Card, you can conveniently make payments while earning rewards. Below are some benefits of holding a Yes Bank RuPay Credit Card.
Convenient & Quick UPI Payments
In India, UPI apps like GPay and PhonePe can only be connected to RuPay credit cards. In this scenario, RuPay Credit Cards provide the exclusive advantage of convenient payments with just a click.
Contactless Payments
With a Yes Bank RuPay Credit Card, you can easily make contactless payments.
Secure & Safe Transactions
Being a domestic card network, our transactions are extremely safe when made through RuPay.
Information About Yes Bank RuPay Credit Cards
Let’s have a look at all the details about Yes Bank RuPay Credit Cards.
Klick RuPay Credit Card
The Klick RuPay Credit Card is a lifetime-free virtual credit card offered by YES Bank in partnership with Kiwi. It is primarily for users who prefer digital payments. The card can be linked to UPI apps. Since it is a virtual-only card, there is no physical card issued to cardholders. The card comes with no joining fee and no annual fee, making it a good option for first-time credit card users and those looking for a cost-effective RuPay credit card. Cardholders earn 2 Reward Points for every ₹200 spent on non-UPI transactions. In addition, the card offers a 1% fuel surcharge waiver on eligible fuel purchases.
YES Bank RESERV Credit Card
The YES FIRST Exclusive Credit Card was one of YES Bank’s travel and lifestyle credit cards and has now been rebranded as the YES Bank RESERV Credit Card. Cardholders could earn up to 24 Reward Points for every ₹200 spent on travel and dining, and 12 Reward Points on most other purchases. The card also offered complimentary domestic and international airport lounge access, golf benefits, and renewal bonus reward points. With its strong rewards program and travel-focused benefits, the card was a suitable option for frequent travelers and premium card users.
Yes Bank RuPay Credit Card
The YES Bank RuPay Credit Card is a lifetime-free virtual credit card primarily for UPI users who want to make payments directly through apps like Google Pay, PhonePe, Paytm, and BHIM using a credit card. The card comes with no joining fee and no annual fee, making it an attractive option for existing YES Bank credit card holders. Cardholders can earn 4 reward points for every ₹200 spent on UPI transactions above ₹2,000 and 2 reward points for every ₹200 spent on online purchases, with a monthly cap of 5,000 reward points on UPI spending. Additional benefits include a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Since it is a virtual-only card, it is best suited for users who frequently make digital and UPI payments and want a simple, no-fee credit card with basic rewards and convenience features.
YES Bank POP CLUB Credit Card
The YES BANK POP-CLUB Credit Card is a RuPay credit card for people who shop online frequently and want to earn rewards on their spending. The card currently comes with no joining fee and is being offered as a lifetime free for a limited time. Cardholders earn 10 POPcoins for every ₹100 spent online and 2 POPcoins for every ₹100 spent on other purchases. These POPcoins can be used for discounts and offers on the POP Club platform and partner brands. The card also offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000. Users who spend ₹1.5 lakh or more in a year receive an additional 1,500 POPcoins as a bonus. Since it is a RuPay credit card, it can also be linked to UPI apps like Google Pay, PhonePe, and Paytm for making UPI payments using credit. The card is best suited for online shoppers who want to earn rewards on their everyday spending and regularly use the POP Club ecosystem.
Eligibility Criteria for YES Bank RuPay Credit Cards
You would need to fulfill the following conditions to apply for a YES Bank RuPay Credit Card successfully.
- Must be an Indian resident.
- Age should be between 21 and 60 years.
- Should have a stable source of income.
- A good credit score (preferably 750 or above) is recommended.
- Existing YES Bank credit card holders may be eligible for certain RuPay variants, such as the YES Bank RuPay Credit Card.
How to Apply for a YES Bank RuPay Credit Card?
You can apply for a YES Bank RuPay Credit Card through the following steps:
Step 1: Visit the YES Bank website and select your preferred RuPay credit card.
Step 2: Fill out the online application form with your personal and income details.
Step 3: Submit the required KYC documents.
Step 4: Wait for the bank’s verification and approval process.
Step 5: Once approved, the card will be issued and activated.
Bottom Line
To sum up, YES Bank offers a range of RuPay credit cards that suit different types of users and spending habits. Whether you are looking for a card for daily UPI payments, online shopping, travel, or general spending, you can find a suitable option among YES Bank’s RuPay credit cards. Cards like the Klick RuPay Credit Card and YES Bank RuPay Credit Card are ideal for users who want a lifetime-free card with basic rewards and easy UPI integration. On the other hand, the YES Bank RESERV Credit Card is a better choice for frequent travelers who want benefits such as airport lounge access and higher reward earnings. The YES Bank POP CLUB Credit Card is well-suited for online shoppers who want to earn rewards on their purchases.
One of the biggest advantages of YES Bank RuPay Credit Cards is their ability to be linked with UPI apps, making everyday payments quick and convenient. Along with this, cardholders can enjoy reward points, fuel surcharge waivers, and other useful benefits depending on the card they choose. Before applying, it is important to compare the fees, rewards, and features of each card so that you can select the one that best matches your spending pattern and financial needs. Choosing the right card can help you get more value from your everyday transactions while enjoying the convenience of the RuPay network.
FAQs:
What is a YES Bank RuPay Credit Card?
A YES Bank RuPay Credit Card is a credit card issued on the RuPay network that can be used for online, offline, and UPI payments.
Can I use a YES Bank RuPay Credit Card for UPI payments?
Yes, YES Bank RuPay Credit Cards can be linked to supported UPI apps for making payments.
Are YES Bank RuPay Credit Cards accepted across India?
Yes, RuPay Credit Cards are widely accepted at merchants, shops, and online platforms across India.
Do YES Bank RuPay Credit Cards offer reward points?
Yes, cardholders can earn reward points or other benefits on eligible transactions, depending on the card variant.
Do YES Bank RuPay Credit Cards offer airport lounge access?
The YES Bank RESERV Credit Card offers complimentary domestic and international airport lounge access.