Name: Kiwi Yes Bank RuPay UPI Credit Card
Brand: Yes Bank Ltd
Rating: 4.8 (1 reviews)

Kiwi Yes Bank RuPay UPI Credit Card

(

4.8 )

Beginner

Best For: Shopping

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Approval Rate:

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The Kiwi Yes Bank The RuPay UPI Credit Card is intended for consumers who are technologically adept and seek a payment experience that is both innovative and seamless. The integration of RuPay and UPI technology is its unique selling proposition, as it enables effortless online transactions and instantaneous payments. This card is most suitable for digital-first users, students, and young professionals. It provides exclusive discounts on e-commerce platforms, cashback on UPI payments, and rewards on common purchases. In addition, it grants access to exclusive promotions for petroleum and online purchasing. Suitable for individuals who desire security, convenience, and rewards that are based on value.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Cashback

Reward %

0.05%

Joining Fees

₹

Renewal Fees

APR

45%

Welcome Benefit

Renewal Benefits

USP's:

Virtual Card

Fees & Charges

Joining & Renewal Fees

Interest & Charges

Additional Charges

Reward Redemption Fees 0

Rewards

Regular Cashback on Eligible Spends

Accelerated Cashback on UPI Transactions

Milestone Benefits

None

Exclusions

Fuel

Rewards capping

Redemption modes

Catalouge Products

Cashback

Additional Features

Lounge Benefits

Insurance Benefits

No Insurance Benefits

Other Perks

None

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

750 Ex Min

Other: Card-to-card eligibility requirements.

Pros

Lifetime free credit card with no joining or annual fees.

Seamless integration with UPI for convenient payments.

Earn up to 5% cashback on UPI transactions through the Kiwi app.

Access to airport lounges upon reaching spending milestones.

Cons

Cashback is capped at 1% of the total credit limit per month.

Higher cashback rates require enrollment in the paid Neon subscription.

Exclusions on earning rewards for categories like utilities, fuel, and government services.

Limited acceptance at merchants not supporting RuPay or unwilling to pay MDR fees.

Terms and Conditions *

Kiwi Yes Bank RuPay UPI Credit Card

★★★★★

(4.8)

Best For: Shopping Bank: Yes Bank Ltd Network: RuPay

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Cashback	0.05%	Free	-	Free	-	Shopping	Virtual Card

Yes Bank Marquee Credit Card

★★★★★

(4.5)

Best For: Shopping Bank: Yes Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.5 - 1.5%	₹9999	“40,000 YES Rewardz Points as Joining Benefits “	₹4999	“Renewal Membership Fee of INR 4,999 + Applicable Taxes, waived on total retail spends o...	Shopping	Accelerated YES Rewardz Points on Online Spends, International and Domestic Lounge Access, Pur...

Yes Bank Private Credit Card

★★★★★

(4.5)

Best For: shopping, travel, international Bank: Yes Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	10 - 20%	₹50000	“2 Lakh bonus reward points as welcome benefit, 50,000 additional reward points on reach...	₹50000	“Renewal Membership Fee: Rs.10,000 + Applicable Taxes, reversed on spends of Rs. 25,00,0...	shopping, travel, international	“Health and Wellness Benefit, Insurance Benefit Insurance Benefit, Movie Benefit, Golf B...

Yes Bank Reserve Credit Card

★★★★★

(4.3)

Best For: Shopping Bank: Yes Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.005%	₹2499	“Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days “	₹1999	“First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spe...	Shopping	“Preferential Foreign Currency Markup, Earn 8000 Bonus Reward Points Earn 8000 bonus Rew...

YES Prosperity Rewards Plus Credit Card

★★★★★

(4)

Best For: Shopping Bank: Yes Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.25 - 0.5 %	₹399	-	₹399	“Rs. 399 (Waived off on spending Rs. 5,000 within 90 days of card activation) Rs. 399 (W...	Shopping	“Accelerated Rewards on Travel and Dining, 2X Additional Rewards “