A Quick YES Bank Uni Credit Card Review

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

14 Jan 26
3 mins

Shreyansh Singh

08 Mins
14-01-26

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Table of Contents

YES Bank Uni Credit Card Benefits
YES Bank Uni Credit Card Safety Features
Uni YES Bank Credit Card Eligibility Criteria
YES Bank Uni Credit Card Charges
Conclusion

The Yes Bank Uni credit card is built for digital-first users seeking simple, transparent benefits.
Earn unlimited 1% rewards as Uni Coins on daily spends.
Zero forex markup makes international transactions cost-effective.
Strong safety controls allow instant blocking, limits, and secure payments.
Fee waivers are achievable with modest spending milestones.

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

This card focuses on simple rewards and low-cost usage for daily spending.

Earn unlimited 1% reward points issued as Uni Coins.
Zero joining fee with membership fee waiver on higher spends.
1% fuel surcharge waiver up to ₹500 on fuel spends.
Zero forex markup on international transactions.

YES Bank Uni Credit Card Safety Features

The card adds strong safety features to protect every transaction.

Contactless payments through NFC for fast retail purchases.
Secure online payments via Mastercard SecureCode or Verified by VISA.
Card control through phone for block or unblock and limit settings.
Card protection plan for loss, theft, fraud and emergencies.

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Uni YES Bank Credit Card Eligibility Criteria

Applicants must fall between 21 and 60 years of age. Salaried and self-employed individuals can apply. A minimum monthly income of ₹25,000 or an ITR of ₹7.5 lakh or more applies.

YES Bank Uni Credit Card Charges

Parameters	Charges
Joining Fee	NIL
First Year Fee (Not applicable for LTF cards)	₹499 plus taxes, waived on ₹5,000 spend within 30 days
Renewal Fee(Not applicable for LTF cards)	₹499 plus taxes, waived on ₹50,000 annual spends
Interest Rate	3.99% per month or 47.88% annually
Card Replacement Fee	₹100 per request
ATM Withdrawal Fee	2.5% per transaction, minimum ₹300
Overlimit Fee	2.5% of overlimit amount, minimum ₹500

Note: Interest applies to revolving credit, cash advances and overdue balances.

💡Download the Pice App 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.

Conclusion

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.