Everything About Yes Bank Uni Credit Card in simple Bullet Points

Yes Bank Uni Credit Card – Key Highlights

FeatureDetails
IssuerCollaboration of Yes Bank and UNI
Card TypeMastercard
First-Year Membership FeeINR 499+Applicable Taxes (Waived on spending ₹5,000 within 30 days)
Renewal Membership FeeINR 499+Applicable Taxes (Waived on spending ₹50,000 within a year)
Travel Benefit0 % forex Markup fee
Best Suited ForAll categories- Travel, Dining, Shopping
Reward Rate1 % Cashback
Lounge AccessNo
Fuel Surcharge Waiver1% Fuel surcharge waiver across all fuel stations
Free Movie TicketsNo

Rewards & Cashback 💰

Spend CategoryReward Points / Cashback
Fuel, Wallet load, rent, government transactions,
cash withdrawal from ATMs, EMI Transactions,
No cashback
Departmental Store, Grocery Spend, Shopping1% cash back
Fuel1% Fuel surcharge waiver across all fuel stations. Up to ₹500 per month
(Fuel transactions up to ₹7,500 only)
Other Spends (Including International Transactions)1% cash back

Lounge Access 💺

Lounge TypeAccess
International lounge accessNo
Domestic lounge accessNo

Fees & Charges 💵 ✨

Charge TypeAmount
Joining FeeINR 499+Applicable Taxes (Waived on spending ₹5,000 within 30 days)
Annual FeeINR 499+Applicable Taxes (Waived on spending ₹50,000 within a year)
Interest Rate on Revolving Credit,
Cash Advances, Overdue Amount
3.99% per month (47.88% per annum)
Foreign Exchange MarkupZero
Late Payment FeeFor Statement Balance
Up to ₹100: ₹ Nill
₹101 to ₹500: ₹150
₹501 to ₹5000: ₹500
₹5001 to ₹25000: ₹750
₹25,001 to ₹50,00: ₹1,150
above ₹50,000: ₹1,200

Click here to view other fees &charges and terms & conditions

📌 Note: GST and other applicable taxes as per current laws will be levied on all fees and charges.

Eligibility & Documents Required 📑

CriteriaRequirement
Age for Primary Cardholder21 to 60 Years
EmploymentSalaried or self-employed
IncomeMin INR 25,000 per month or ITR of 7.5 lakhs and above
Documents RequiredPAN Card, Aadhar, Income Proof, Address Proof
Residential StatusIndian Resident only

How to apply for Yes Bank Uni Credit Card Online?

  • Step 1: Visit https://www.yesbank.in website or the nearest branch.
  • Step 2: Go to the “Cards” section and select “Credit Cards.”
  • Step 3: Scroll down to find the Yes Bank uni Credit Card and click on “Apply Now.”
  • Step 4: Enter your Date of Birth (DOB), PAN card details, and full name.
  • Step 5: Submit your details and wait for verification and approval.
  • Step 6: Once approved, your credit card will be delivered to your registered address.

Pros & Cons ⚖️

✅ Pros of Yes Bank Uni Credit Card

✔ 1% Fuel Surcharge Waiver – Save on fuel expenses at all petrol pumps in India.

✔ Unlimited 1% Cashback on all domestic and international transactions.

0% Foreign Exchange Markup Fee, making it a great choice for international transactions.

Accepted Worldwide, runs on the master card network

Cons of Yes Bank Uni Credit Card

✖ No complimentary airport lounge access, which many other credit cards provide.

No travel perks, free hotel stays, or dining discounts, making it less attractive for frequent travelers.

✖ No Additional Insurance Coverage

Final Verdict – Should You Get This Card?

No, you should not go for that card, Because you are getting a maximum 2% return on spending 10 lakh.

📢 Best for: People who want a simple, lifetime-free cashback card with zero forex markup.
⚡ Not ideal for: Frequent travelers or those looking for premium lifestyle benefits like lounge access, rewards, or insurance.

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