SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, virtual card, and lifetime free.
Why it can work
It combines accelerated rewards on UPI transactions above rs 2,000 and no annual fee.
Where value may drop
Fuel, rent, and insurance don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many YES Rewardz points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | YES Rewardz Points/yr |
|---|---|---|
| UPI payments | Rs 5,000 | 1,200 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for UPI Transactions Above Rs 2,000
4 YES Rewardz Points / Rs 200 spent on UPI transactions above Rs 2,000
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| UPI transactions above Rs 2,000 | 4 YES Rewardz Points / Rs 200 spent on UPI transactions above Rs 2,000 |
| Other retail spends | 2 YES Rewardz Points / Rs 200 spent |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 10:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Adani One | Adani One Rewards | 100:10 |
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- insurance premium payments
- gold or jewellery purchases
- utility and telecom bill payments
- toll and transportation payments
- educational services
- EMI transactions (including post-facto conversions)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Virtual-only RuPay credit card with lifetime free membership
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 250 per month
Additional details
- UPI transactions of Rs 2,000 or below do not earn reward points
- Existing YES BANK credit cardholders are not eligible for this card
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK approval criteria
Compare before you decide
Alternatives based on what you might want instead.
YES BANK Paisabazaar PaisaSave RuPay Credit Card
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Kotak UPI RuPay Credit Card
Best for upi, lifetime free, virtual card.
Kwik Axis Bank Credit Card
Best for upi, rupay, virtual card.