YES Bank
Niyo Credit Card
SimplifyCards take:A good fit if you want a card built for travel, forex, and lifetime free
✓
Best for airport lounge accessBest for
1 complimentary lounge visits a year across domestic and international
!
Avoid if you want pure cashbackWatch out
Simpler cashback cards exist if you'd rather not manage reward points
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Good fit if you want a card built for travel, forex, and lifetime freeBottom line
It combines complimentary airport lounge access, a low 0% forex markup, and no annual fee
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Domestic POS And E-Commerce Spends | 5 Niyo Coins per ₹100 |
Redemption
Statement balanceupto ₹ 0.1 per point
Important conditions
1
International lounge1 visits per year
- 1 complimentary lounge pass per calendar quarter, unlocked on ≥ ₹50,000 of international (non-INR) spends in that quarter
- Pass is generated in the Niyo app within 7 days of meeting the spend threshold and is valid for 30 days from generation
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Zero forex markup on all international transactions — spend at the base Visa exchange rate with no currency conversion fee
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (capped at ₹250 per statement cycle)
Additional details
- Co-branded credit card issued by YES BANK in partnership with Niyo (GoNiyo); applied for and managed via the Niyo app
- Niyo Coins earned on domestic POS and e-commerce spends; international / foreign-currency transactions earn no Niyo Coins
- Redeem Niyo Coins via the Niyo app for flights, visa services, and eligible purchases; 100 Niyo Coins = ₹10 (₹0.10 per coin)
- Niyo Coins are valid for 12 months from date of earning
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Minimum net monthly salary: ₹25,000
Self-employed
- Age: 21 to 60 years
- ITR of ₹7.5 lakhs and above
Exclusions
Spending that does not earn reward points
- international / foreign currency transactions (no Niyo Coins earned)
- fuel transactions (MCC 5541, 5542, 5983, 5172)
Compare before you decide
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