lifetime-free
YES NIYO Credit Card
Lifetime-free travel-focused card with zero forex markup, built for international spenders.
Annual Fee
₹0 (Lifetime-free)
Rewards
Not published
Lounge Access
Not confirmed
Fuel Waiver
1% (₹500–4,000, ₹250/cycle cap)
Milestone
None confirmed
Best For
Frequent international travellers and overseas students
Welcome Offer
Not confirmed
Type
Lifetime-Free
Description
A lifetime-free co-branded card with travel fintech Niyo, carrying zero forex markup on international transactions — confirmed in YES Bank's official terms alongside Uni and AI Inside as the only YES cards with no foreign currency conversion charge. Utility spends are also assessed at the premium ₹50,000 monthly threshold rather than the standard ₹25,000. Positioned for international travellers, overseas students and cross-border online shoppers who want to avoid the 3–3.5% markup typical of most Indian cards.
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