lifetime-free
YES Uni Credit Card
Zero-forex lifetime-free card offering flat rewards, ideal for international spenders.
Annual Fee
₹499+GST (waived ₹5K/30days joining; ₹50K/yr renewal) — often offered LTF via promo
Rewards
1% flat on eligible retail spends
Lounge Access
Not confirmed
Fuel Waiver
1% (up to ₹7,500 per transaction — highest cap of any YES card)
Milestone
None confirmed
Best For
International spenders wanting zero forex markup
Welcome Offer
1,000 reward points on first transaction
Type
Lifetime-Free
Description
A value-first entry-level card offering a flat ~1% reward rate on most retail spends and, notably, zero forex markup — the only YES Bank card with 0% international transaction fees, confirmed via YES Bank's own charges guide. Managed through the Uni digital ecosystem. Joining and annual fee ₹499+GST, waived on ₹5,000 spend within 30 days (joining) and ₹50,000 annual spend (renewal), though frequently offered lifetime-free through current promotions. Welcome offer: 1,000 reward points on first transaction. No lounge access or premium lifestyle perks — built for simplicity and low-cost international spending.
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