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Yes Bank

UNI Credit Card

A 0%-forex fintech co-brand card earning uncapped 1% cashback as Uni coins with no disclosed rupee value, issued only through the Uni partner app.

Joining fee
₹0
Annual fee
₹499
Status
Open
Verified
3 September 2026
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Fees

Joining fee
₹0
Annual fee
₹499
Fee waiver
Waived above ₹50,000 annual spend
Forex markup
0%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

cashback

  • everything-else: 1%Uncapped ("Unlimited"); rewards issued as Uni coins with no stated INR-per-coin value.

No INR-per-coin redemption value is stated anywhere for this card.

Important Exclusions

  • fuel, utilities, rent, education, international: Fuel, wallet load, rent, government payments, education, utility, EMI, cash advance, marketing/advertising services, and international transactions are excluded from Uni coin earning.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • The annual fee is waived once you spend 50,000 in a year.
  • Rewards pay back as cashback rather than points that need redeeming.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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