lifetime-free
YES Novio Credit Card
Lifetime-free co-branded card available in physical and RuPay virtual variants.
Annual Fee
₹0 (Lifetime-free)
Rewards
Not published
Lounge Access
Not confirmed
Fuel Waiver
1% (₹500–3,000; ₹250/cycle physical, ₹125/cycle RuPay virtual)
Milestone
None confirmed
Best For
Not yet clear from published information
Welcome Offer
Not confirmed
Type
Lifetime-Free
Description
A lifetime-free co-branded card issued in two forms — a physical card and a RuPay virtual companion for UPI payments — both with no joining or annual fee. Forex markup 3.50%. Fuel surcharge waiver of 1% applies on transactions between ₹500 and ₹3,000, capped at ₹250 per statement cycle on the physical card and ₹125 on the RuPay virtual variant. This is among the least-documented cards in YES Bank's current lineup.
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