YES BANK Uni Credit Card: rewards, caps and exclusions
Below is every rate, cap and exclusion in YES Bank's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Wallet loads
- Rent
- Government payments
- Education fees
- Utility bills
- Telecom bills
- Money transfers
- EMI conversions
- Cash withdrawals and fees
- International spends
What costs extra
Worse than earning nothing: YES Bank charges a fee for these.
- 1% on Rental transaction charges, plus GST
Fees
- Annual fee: ₹499, plus 18% GST
- Joining fee: none
- Annual fee waived on ₹50,000 of spend in a card year
Where this comes from
Transcribed from YES Bank's own documents and checked against them on 9 October 2026:
- Uni Terms & Conditions block, yes.bank.in
- Uni fees block, yes.bank.in
- Uni schedule of charges, yes.bank.in (PDF)
- all-card MITC CMITC_V18_05102026, yes.bank.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with YES Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
Zenidhi reads your YES Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works