cashback
YES FREO Credit Card
Fintech co-brand offering flat cashback (Visa) or UPI-accelerated points (RuPay), bundled together.
Annual Fee
₹399+GST Visa (Joining NIL; waived ₹1L spend/yr); RuPay variant lifetime-free
Rewards
1% flat cashback, no cap (Visa); 4 RP/₹200 UPI >₹2,000 + 2 RP/₹200 online (RuPay)
Lounge Access
Not confirmed
Fuel Waiver
1% (₹400-5K, ₹125/mo cap)
Milestone
None confirmed
Best For
Simple flat-cashback seekers with a UPI companion card
Welcome Offer
Not confirmed
Type
Cashback
Description
A fintech co-brand issued as a bundle of two cards: a Visa variant earning 1% flat, uncapped cashback on all spends, and a lifetime-free RuPay companion earning 4 reward points per ₹200 on UPI transactions above ₹2,000 and 2 points per ₹200 online. Visa joining fee NIL, annual ₹399+GST, waived on ₹1L spend. Cashback excludes UPI spends, rent, fuel, wallet reloads, government transactions, ATM withdrawals, utility bills, and cash advances. Not available through third-party aggregators.
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