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Yes Bank

UNI RuPay Credit Card

A RuPay conversion product for existing UNI Credit Card holders only, earning cashback-style Uni coins with no disclosed INR value.

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

Joining fee
₹0
Annual fee
₹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.

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Rewards pay back as cashback rather than points that need redeeming.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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