YES BANK Lifetime Free Credit Cards

Updated: 29-12-2025 12:11:15 PM

YES BANK offers a wide range of credit cards from low-fee entry-level options to premium cards that carry high annual fees. Among these, YES BANK lifetime free credit cards stand out for users who want the benefits of a credit card without paying any joining or annual fee. Most of these cards are offered in collaboration with fintech organizations such as Paisabazaar, POP-CLUB, Klick, etc.

Read on to know all about YES BANK lifetime free credit cards, along with some other cards that can also provide significant value at low annual fee.

YES BANK Lifetime Free Credit Cards

Credit Card	Key Feature
YES BANK Paisabazaar PaisaSave Rupay Credit Card	6% cashback on dining and travel spends
YES BANK Klick Credit Card	1.5% cashback on UPI scan and pay on Kiwi App
YES BANK Rupay Credit Card	4 reward points per Rs. 200 spent on UPI transactions
YES BANK Zagg Credit Card	Exclusive offers on the Zagg App

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YES BANK Lifetime Free Credit Cards: Features and Benefits

YES BANK Paisabazaar PaisaSave Rupay Credit Card

This is a virtual RuPay credit card offered with YES BANK PaisaSave Mastercard Credit Card. You can avail accelerated value-back on dining and travel along with a good cashback rate on other categories. Given below are the key features of this card:

• 6% cashback on dining and travel spends (max. Rs. 3,000 p.m.)
• 1% cashback on all other eligible spends
• 1% cashback on UPI spends of Rs. 2,000 or more
• Value-back is offered as reward points, redeemable in 1:1 ratio without any additional fee
• 1% fuel surcharge waiver up to Rs. 250 p.m.

YES BANK Klick Credit Card

This YES BANK lifetime free credit card, offered in collaboration with Kiwi App, is one of the most popular UPI Credit Cards in the market. Here are some of its key features:

• Virtual credit card
• 5% cashback on UPI scan and pay
• 5% cashback on online spends
• 5% cashback on spends above Rs. 1.5 Lakh
• 2 reward points per Rs. 100 spent on non-UPI transactions

YES BANK Rupay Credit Card

This UPI credit card from YES BANK allows its users to earn reward points on UPI and non-UPI transactions. Key features of the card are listed below:

• 2 reward points per Rs. 200 spent online
• 4 reward points per Rs. 200 spent on UPI transactions worth Rs. 2,000 or more
• Low forex mark-up fee of 2.75%

YES BANK Zagg Credit Card (previously YES BANK Rio Card)

Offered in collaboration with Zagg, this lifetime free YES BANK Credit Card can be used to make UPI transactions and earn value-back. Here are some of the features of this card:

• Connect with NPCI recognised apps like GPay, BHIM, PhonePe, etc.
• Use card to pay online and in-store purchases
• Get exclusive offers on the Zagg App
• 1% fuel surcharge waiver up to Rs. 250 p.m.
• 2 complimentary domestic lounge visits per quarter

Why Choose YES BANK Lifetime Free Credit Card?

If you are confused whether you should get a lifetime free credit card from YES BANK. Here are some of the reasons why you must take one.

Cost-effective: No recurring annual fee so even if you do not use the card often, you can keep it open without incurring any extra charges.

Earn While You Spend: YES BANK lifetime free credit cards let you earn points or get cashback, especially on digital payments like UPI, dining, or retail.

Suitable for Everyday Spends: These cards are suited to the needs of beginners as well as seasoned card users who want convenience and value-back on everyday spends without committing to expensive fees.

Good for Credit History: Using a lifetime free card responsibly helps build credit history without the pressure of high fees.

Eligibility Criteria for YES BANK Lifetime Free Credit Cards

While there are some common eligibility terms that apply to all YES BANK Credit Cards such as age, nationality, etc., the minimum income requirement varies from card to card. Details are given below:

Credit Card	Eligibility Criteria
YES BANK Paisabazaar PaisaSave Rupay Credit Card	Age: 21 to 60 years Occupation: Salaried or Self-employed Minimum Income: Rs. 25,000 p.m. or ITR of Rs. 7.5 Lakh or more
YES BANK Rupay Credit Card	Only existing YES BANK Visa and Mastercard credit cardholders can apply for this card
YES BANK Zagg Credit Card	Age: 21 to 60 years Occupation: Salaried or Self-employed Minimum Income: Rs. 25,000 p.m. or ITR of Rs. 7.5 Lakh or more

Documents Required for YES BANK Lifetime Free Credit Card

Along with your application, you would be required to submit KYC documents along with proof of income and any other document that the bank asks for to review your profile:

• Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
• Proof of Income: Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Please note, YES BANK may ask for documents other than those mentioned above, as per their internal policies.

How to apply for YES BANK Lifetime Free Credit Card?

You can apply for YES BANK Lifetime Free Credit Cards through the issuer’s platform by following some simple steps.

• Visit YES BANK’s official website
• Choose the card and click on Apply Now
• Fill the required details
• Upload KYC documents and submit the form

Once successfully submitted, the bank will review your application and, if satisfied, provide the card to you.

Since most YES BANK Lifetime Free Credit Cards are offered in collaboration with other brands, you can also visit the respective brand platform to apply for the card.

Low Fee YES BANK Credit Cards to Consider

Though lifetime free credit cards are good for consumers who do not wish to pay any joining or annual fee, people who regularly use credit cards and want good value-back on certain categories should consider low annual fee credit cards as well. Some such cards are listed below:

Credit Card	Annual Fee	Best Suited For
YES BANK Paisabazaar PaisaSave Credit Card	Rs. 499	Dining and Travel
YES BANK Ace Credit Card	Rs. 499	Rewards on Online Spends
YES BANK Select Credit Card	Rs. 599	Shopping and Travel
YES BANK Wellness Credit Crad	Rs. 499	Health and Wellness Spends
YES BANK POP-CLUB Credit Card	Rs. 399	All-round Benefits

FAQs

Is Kiwi YES BANK Credit Card lifetime free?

Yes, the Kiwi YES BANK Credit Card does not carry any joining or annual fee.

Which is the best YES BANK Credit Card?

Since a credit card’s utility depends on your spending preferences, the right YES BANK credit card would be the one that aligns with your spending style and provides maximum value-back. However, to begin your search, some YES Bank credit cards that offer good value-back across different categories are YES BANK Paisabazaar PaisaSave Credit Card, YES BANK Elite+ Credit Card, YES BANK PRIVATE Credit Card (super-premium) and YES BANK Reserv Credit Card.

Are lounge access benefits included in YES BANK lifetime free credit cards?

Among lifetime free credit cards, only YES BANK Zagg Credit Card offers complimentary domestic lounge visits.

How to redeem the reward points accumulated on YES BANK Credit Cards?

You can redeem YES BANK credit card reward points through the YES Rewardz Platform. The redemption values and the redemption categories may differ basis card variant.

How does YES BANK lifetime free credit card help build credit history?

Yes. Using a YES Bank lifetime free credit card responsibly by paying bills on time and keeping utilisation low can help build or improve your credit score, without the pressure of recurring fees.