{"id":84664,"date":"2026-01-19T15:26:09","date_gmt":"2026-01-19T09:56:09","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84664"},"modified":"2026-01-19T15:26:46","modified_gmt":"2026-01-19T09:56:46","slug":"rio-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/rio-credit-card\/","title":{"rendered":"A Complete YES Bank RIO Credit Card Review for Offers and Rewards"},"content":{"rendered":"\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>RIO Credit Card is lifetime free with no joining or annual fees.<\/li>\n\n\n\n<li>It supports UPI payments via QR codes for online and offline spends.<\/li>\n\n\n\n<li>Card management and security are handled through the Zagg app.<\/li>\n\n\n\n<li>Users get lounge access, fuel surcharge waiver, and dining offers.<\/li>\n\n\n\n<li>Rewards are earned as Zagg Coins on Zagg UPI transactions.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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 \u20b95 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.<\/p>\n\n\n\n<p>And that\u2019s 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.<\/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=\"#what-are-the-benefits-of-the-yes-bank-rio-credit-card\">What are the Benefits of the YES Bank Rio Credit Card?<\/a><\/li><li><a href=\"#how-to-pay-using-a-yes-bank-rio-credit-card-on-upi\">How to Pay Using a YES Bank Rio Credit Card on UPI?<\/a><\/li><li><a href=\"#yes-bank-rio-credit-card-charges\">YES Bank Rio Credit Card Charges<\/a><\/li><li><a href=\"#rio-yes-bank-credit-card-eligibility\">Rio YES Bank Credit Card Eligibility<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-benefits-of-the-yes-bank-rio-credit-card\"><strong>What are the Benefits of the YES Bank Rio Credit Card?<\/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-ROI-credit-card-benefits.jpeg\" alt=\"Benefits of the YES Bank Rio Credit Card\" class=\"wp-image-84666\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-ROI-credit-card-benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-ROI-credit-card-benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-ROI-credit-card-benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-ROI-credit-card-benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The benefits of the Rio Credit Card include<strong> <\/strong>seamless digital payments, strong security, and value-added benefits to enhance how you spend, save, and enjoy daily experiences.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>UPI Payments:<\/strong> Make UPI payments by scanning any QR code. The card works across online platforms and physical stores. It supports daily payments with ease.<\/li>\n\n\n\n<li><strong>Card Control and Security:<\/strong> Manage your card through the Zagg App. 1-click features help keep transactions safe. Online payments stay protected with RuPay PaySecure.<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong> Get a 1% surcharge waiver on eligible fuel transactions. The waiver caps at \u20b9250 per statement cycle. Fuel spends through UPI does not qualify.<\/li>\n\n\n\n<li><strong>Domestic Lounge Access:<\/strong> Enjoy 2 complimentary domestic airport lounge visits in India every calendar quarter.<\/li>\n\n\n\n<li><strong>Dining and Entertainment Offers:<\/strong> Get a flat 40% discount on Zomato and Swiggy orders. Enjoy Buy One Get One free movie tickets on District and BookMyShow.<\/li>\n\n\n\n<li><strong>Zagg Coins Rewards:<\/strong> Earn 3% Zagg Coins on spends made through Zagg UPI. Rewards come directly from Zagg and not from the issuing bank.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-pay-using-a-yes-bank-rio-credit-card-on-upi\"><strong>How to Pay Using a YES Bank Rio Credit Card on UPI?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Offline Store Payments<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Open your UPI app and tap scan<\/li>\n\n\n\n<li>Scan the merchant QR code<\/li>\n\n\n\n<li>Enter the payable amount<\/li>\n\n\n\n<li>Select <a href=\"https:\/\/zagg.money\/\" target=\"_blank\" rel=\"noopener\">Zagg<\/a> Credit Card from the list<\/li>\n\n\n\n<li>Enter UPI PIN to confirm payment<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Online Merchant Payments<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose UPI as a payment option on the website or app<\/li>\n\n\n\n<li>Open your UPI app when prompted<\/li>\n\n\n\n<li>Select Zagg Credit Card from the drop-down<\/li>\n\n\n\n<li>Enter UPI PIN to complete payment<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-rio-credit-card-charges\"><strong>YES Bank Rio Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The following table shows the YES Bank Rio Credit Card\u00a0 charges:\u00a0<\/p>\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><strong>Interest Charges<\/strong><\/td><td>3.99% (monthly); 47.88% (per annum) on overdue amount, cash advances and revolving credit<\/td><\/tr><tr><td><strong>Cash Advance Fee<\/strong><\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td><strong>Cheque Dishonour Fee<\/strong><\/td><td>\u20b9450<\/td><\/tr><tr><td><strong>Late Payment Charges:<\/strong>\u20b9500Above \u20b9500<\/td><td>Nil10% or \u20b91,350 (whichever is lower)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rio-yes-bank-credit-card-eligibility\"><strong>Rio YES Bank Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The age requirement to apply is 21-60 years.<\/li>\n\n\n\n<li>Both salaried and self-employed individuals can apply.<\/li>\n\n\n\n<li>Individuals need a minimum monthly net salary of \u20b925,000 or an Income Tax Return of above \u20b97.5 lakhs.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> Existing YES BANK credit cardholders cannot apply for this card.<\/p>\n\n\n\n<p>\ud83d\udca1There is no such criterion to download <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> on your smartphone. So, download the Pice App TODAY to receive credit card bill payment date alerts and seamlessly pay your credit card bills.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>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.<\/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-1768816010118\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the RIO Credit Card lifetime free?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the RIO Credit Card has no joining or annual fees.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768816033995\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I use the RIO Credit Card for UPI payments?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the RIO Credit Card allows UPI payments by scanning any merchant QR code.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768816057526\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What rewards do I earn on the RIO Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn 3% Zagg Coins on spends made through Zagg UPI using the RIO Credit Card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768816078448\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are fuel transactions eligible for benefits on the RIO Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the RIO Credit Card offers a 1% fuel surcharge waiver, excluding UPI fuel spends.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768816108627\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can existing YES Bank cardholders apply for the RIO Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, existing YES Bank credit cardholders are not eligible for the RIO Credit Card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b95 lakh, it is a lifetime free credit card with no joining or annual fees. The card supports UPI payments through QR code [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":84665,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84664","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\/84664","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84664"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84664\/revisions"}],"predecessor-version":[{"id":84677,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84664\/revisions\/84677"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84665"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}