A Complete YES Bank RIO Credit Card Review for Offers and Rewards

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

19 Jan 26
4 mins

Sandipan Mitra

08 Mins
19-01-26

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Table of Contents

What are the Benefits of the YES Bank Rio Credit Card?
How to Pay Using a YES Bank Rio Credit Card on UPI?
YES Bank Rio Credit Card Charges
Rio YES Bank Credit Card Eligibility
Conclusion

RIO Credit Card is lifetime free with no joining or annual fees.
It supports UPI payments via QR codes for online and offline spends.
Card management and security are handled through the Zagg app.
Users get lounge access, fuel surcharge waiver, and dining offers.
Rewards are earned as Zagg Coins on Zagg UPI transactions.

YES Bank Rio Credit Card, now known as the YES Bank Zagg Credit Card, is a co-branded offering from YES Bank and Zagg. With a credit limit of up to ₹5 lakh, it is a lifetime free credit card with no joining or annual fees. The card supports UPI payments through QR code scans, which adds ease to daily transactions.

And that’s not all! It suits users who prefer simple digital payments for routine spending. You can get the YES Bank Rio credit card applications through the Zagg platform, which may apply separate service charges.

What are the Benefits of the YES Bank Rio Credit Card?

The benefits of the Rio Credit Card include seamless digital payments, strong security, and value-added benefits to enhance how you spend, save, and enjoy daily experiences.

UPI Payments: Make UPI payments by scanning any QR code. The card works across online platforms and physical stores. It supports daily payments with ease.
Card Control and Security: Manage your card through the Zagg App. 1-click features help keep transactions safe. Online payments stay protected with RuPay PaySecure.
Fuel Surcharge Waiver: Get a 1% surcharge waiver on eligible fuel transactions. The waiver caps at ₹250 per statement cycle. Fuel spends through UPI does not qualify.
Domestic Lounge Access: Enjoy 2 complimentary domestic airport lounge visits in India every calendar quarter.
Dining and Entertainment Offers: Get a flat 40% discount on Zomato and Swiggy orders. Enjoy Buy One Get One free movie tickets on District and BookMyShow.
Zagg Coins Rewards: Earn 3% Zagg Coins on spends made through Zagg UPI. Rewards come directly from Zagg and not from the issuing bank.

How to Pay Using a YES Bank Rio Credit Card on UPI?

Offline Store Payments

Open your UPI app and tap scan
Scan the merchant QR code
Enter the payable amount
Select Zagg Credit Card from the list
Enter UPI PIN to confirm payment

Online Merchant Payments

Choose UPI as a payment option on the website or app
Open your UPI app when prompted
Select Zagg Credit Card from the drop-down
Enter UPI PIN to complete payment

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YES Bank Rio Credit Card Charges

The following table shows the YES Bank Rio Credit Card charges:

Parameters	Charges
Interest Charges	3.99% (monthly); 47.88% (per annum) on overdue amount, cash advances and revolving credit
Cash Advance Fee	2.5% or ₹500 (whichever is higher)
Cheque Dishonour Fee	₹450
Late Payment Charges:₹500Above ₹500	Nil10% or ₹1,350 (whichever is lower)

Rio YES Bank Credit Card Eligibility

The age requirement to apply is 21-60 years.
Both salaried and self-employed individuals can apply.
Individuals need a minimum monthly net salary of ₹25,000 or an Income Tax Return of above ₹7.5 lakhs.

Note: Existing YES BANK credit cardholders cannot apply for this card.

💡There is no such criterion to download the Pice App on your smartphone. So, download the Pice App TODAY to receive credit card bill payment date alerts and seamlessly pay your credit card bills.

Conclusion

The RIO Credit Card by YES Bank and Zagg is a lifetime-free, UPI-enabled card built for everyday digital spending. With lounge access, fuel surcharge waiver, dining offers, and Zagg Coin rewards, it suits users seeking simplicity, value, and secure cashless payments.