Card Image
YES Uni
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00
Normalized to balance base rate with bonus categories
Interest Rate
36.00%
Credit Score
680+
At a Glance
Key Benefits
Lifetime free, Pay 1/3 feature, 1% cashback, low forex
Lounge Access
No lounge access
Eligibility
Salaried: Rs.25,000+/month, Age: 21-60, via Uni app
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
36.00% p.a.
#45
Forex Markup
1.99%
#33
Rewards/₹100
₹1.00
#190
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
680+
#38
Min Monthly Income ₹25
Network VISA
Cash Advance Fee 2.50% (min ₹400)
Late Payment Fee ₹500
Reward Structure
Base
All Spends
₹1.00 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
The YES Uni is a straightforward lifetime free credit card from Yes Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Low forex markup of 1.99% - great for international spends
- Extended interest-free period of 51 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Frequently Asked Questions
What is the annual fee for YES Uni?
No, it is a lifetime free card.
Is there a joining fee for YES Uni?
No, there is no joining fee.
What rewards does YES Uni offer?
You can earn up to ₹1.00 cashback per ₹100 spent. The base cashback rate is ₹1.00 per ₹100.
Does YES Uni offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for YES Uni?
To apply for YES Uni, you need minimum age of 21 years, minimum monthly income of ₹25000, credit score of 680+.
User Reviews
Ready to Apply for YES Uni?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.