{"id":84490,"date":"2026-01-14T17:54:59","date_gmt":"2026-01-14T12:24:59","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84490"},"modified":"2026-01-14T17:55:03","modified_gmt":"2026-01-14T12:25:03","slug":"yes-bank-uni-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/yes-bank-uni-credit-card\/","title":{"rendered":"A Quick YES Bank Uni Credit Card Review"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Yes Bank Uni credit card is built for digital-first users seeking simple, transparent benefits.<\/li>\n\n\n\n<li>Earn unlimited 1% rewards as Uni Coins on daily spends.<\/li>\n\n\n\n<li>Zero forex markup makes international transactions cost-effective.<\/li>\n\n\n\n<li>Strong safety controls allow instant blocking, limits, and secure payments.<\/li>\n\n\n\n<li>Fee waivers are achievable with modest spending milestones.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p>The YES Bank Uni Credit Card is a co-branded offering from YES Bank and Uni. YES Bank and Uni jointly support the card benefits under a shared financial arrangement. The card is designed for young professionals and digital-first users who prefer flexible spending and seamless app-based management.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#yes-bank-uni-credit-card-benefits\">YES Bank Uni Credit Card Benefits<\/a><\/li><li><a href=\"#yes-bank-uni-credit-card-safety-features\">YES Bank Uni Credit Card Safety Features<\/a><\/li><li><a href=\"#uni-yes-bank-credit-card-eligibility-criteria\">Uni YES Bank Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#yes-bank-uni-credit-card-charges\">YES Bank Uni Credit Card Charges<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-uni-credit-card-benefits\"><strong>YES Bank Uni Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Uni-Card-Benefits.jpeg\" alt=\"YES Bank Uni Credit Card Benefits\" class=\"wp-image-84524\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Uni-Card-Benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Uni-Card-Benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Uni-Card-Benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Uni-Card-Benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>This card focuses on simple rewards and low-cost usage for daily spending.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Earn unlimited 1% reward points issued as Uni Coins.<\/li>\n\n\n\n<li>Zero joining fee with membership fee waiver on higher spends.<\/li>\n\n\n\n<li>1% fuel surcharge waiver up to \u20b9500 on fuel spends.<\/li>\n\n\n\n<li>Zero forex markup on international transactions.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-uni-credit-card-safety-features\"><strong>YES Bank Uni Credit Card Safety Features<\/strong><\/h2>\n\n\n\n<p>The card adds strong safety features to protect every transaction.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Contactless payments through NFC for fast retail purchases.<\/li>\n\n\n\n<li>Secure online payments via <a href=\"https:\/\/www.mastercard.co.in\/en-in\/personal\/get-support\/safety-and-security\/mastercard-securecode.html\" target=\"_blank\" rel=\"noopener\">Mastercard SecureCode<\/a> or Verified by VISA.<\/li>\n\n\n\n<li>Card control through phone for block or unblock and limit settings.<\/li>\n\n\n\n<li>Card protection plan for loss, theft, fraud and emergencies.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"uni-yes-bank-credit-card-eligibility-criteria\"><strong>Uni YES Bank Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<p>Applicants must fall between 21 and 60 years of age. Salaried and self-employed individuals can apply. A minimum monthly income of \u20b925,000 or an ITR of \u20b97.5 lakh or more applies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-uni-credit-card-charges\"><strong>YES Bank Uni Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>NIL<\/td><\/tr><tr><td>First Year Fee (Not applicable for LTF cards)<\/td><td>\u20b9499 plus taxes, waived on \u20b95,000 spend within 30 days<\/td><\/tr><tr><td>Renewal Fee(Not applicable for LTF cards)<\/td><td>\u20b9499 plus taxes, waived on \u20b950,000 annual spends<\/td><\/tr><tr><td>Interest Rate<\/td><td>3.99% per month or 47.88% annually<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9100 per request<\/td><\/tr><tr><td>ATM Withdrawal Fee<\/td><td>2.5% per transaction, minimum \u20b9300<\/td><\/tr><tr><td>Overlimit Fee<\/td><td>2.5% of overlimit amount, minimum \u20b9500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note:<\/strong> Interest applies to revolving credit, cash advances and overdue balances.<\/p>\n\n\n\n<p>\ud83d\udca1Download the <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a> to pay your credit card bills. Here, every transaction is secure and fully compliant with current GST rules. Also, get notifications for payment reminders and never miss out on payment deadlines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The YES Bank Uni Credit Card blends digital convenience, low fees, and everyday rewards for modern users. With zero forex markup, simple Uni Coins rewards, strong safety controls, and flexible fee waivers, it suits young professionals seeking transparent spending, app-based management, and cost-efficient credit for daily and international transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1768309440220\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who can apply for the YES Bank Uni Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Salaried or self-employed individuals aged 21\u201360 meeting income criteria can apply.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768309456973\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What rewards does the card offer?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It provides unlimited 1% rewards credited as Uni Coins.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768309495361\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a joining or annual fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Joining is free, and annual fees are waived on qualifying spends.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768309515541\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are fuel benefits included?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, a 1% fuel surcharge waiver is available up to \u20b9500.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768309555669\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the interest rate on outstanding balances?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Interest is charged at 3.99% per month on revolving credit.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The YES Bank Uni Credit Card is a co-branded offering from YES Bank and Uni. YES Bank and Uni jointly support the card benefits under a shared financial arrangement. The card is designed for young professionals and digital-first users who prefer flexible spending and seamless app-based management. YES Bank Uni Credit Card Benefits [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":84522,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84490"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84490\/revisions"}],"predecessor-version":[{"id":84525,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84490\/revisions\/84525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84522"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}