Table of Contents
Yes Bank Uni Credit Card – Key Highlights
| Feature | Details |
|---|---|
| Issuer | Collaboration of Yes Bank and UNI |
| Card Type | Mastercard |
| First-Year Membership Fee | INR 499+Applicable Taxes (Waived on spending ₹5,000 within 30 days) |
| Renewal Membership Fee | INR 499+Applicable Taxes (Waived on spending ₹50,000 within a year) |
| Travel Benefit | 0 % forex Markup fee |
| Best Suited For | All categories- Travel, Dining, Shopping |
| Reward Rate | 1 % Cashback |
| Lounge Access | No |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver across all fuel stations |
| Free Movie Tickets | No |
Rewards & Cashback 💰
| Spend Category | Reward Points / Cashback |
|---|---|
| Fuel, Wallet load, rent, government transactions, cash withdrawal from ATMs, EMI Transactions, | No cashback |
| Departmental Store, Grocery Spend, Shopping | 1% cash back |
| Fuel | 1% 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 Type | Access |
|---|---|
| International lounge access | No |
| Domestic lounge access | No |
Fees & Charges 💵 ✨
| Charge Type | Amount |
|---|---|
| Joining Fee | INR 499+Applicable Taxes (Waived on spending ₹5,000 within 30 days) |
| Annual Fee | INR 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 Markup | Zero |
| Late Payment Fee | For 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 📑
| Criteria | Requirement |
|---|---|
| Age for Primary Cardholder | 21 to 60 Years |
| Employment | Salaried or self-employed |
| Income | Min INR 25,000 per month or ITR of 7.5 lakhs and above |
| Documents Required | PAN Card, Aadhar, Income Proof, Address Proof |
| Residential Status | Indian 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.