YES Bank Rio RuPay Credit Card

YES Bank is offering Rio RuPay credit cards to its customers to help them with their banking needs. The credit card provides several features and benefits including rewards for transactions, travel benefits and fuel surcharge.

FLAT ₹1000 REWARD

on Credit Card Activation

VISIT RIO

Fees and Charges of Rio RuPay Credit Card

The following are the fees and charges that needs to be paid to avail Rio RuPay credit card services:

Particular

Fees/ Charge

Joining Fee

Nil

Annual Renewal Membership Fee

Rs.399 + applicable taxes (The Annual membership fee will be waived off if the total retail spends amount to Rs.1,20,000 or more in a year)

Utility Charge

  1. A charge of 1% + GST is applicable on all utility transactions on spends above Rs.15,000 a month
  2. The fee is capped at Rs.3,000 a month

Education Fee Payment Charges (Applicable from 1 October 2024)

  1. A 1% fee +GST is applicable on education transactions made through third party websites
  2. The fee is capped at Rs.5,000 per calendar month

Fuel Transaction Charges (Applicable from 1 October 2024)

  1. A 1% fee +GST is applicable on all fuel transaction greater than Rs.10,000
  2. Total fuel transaction charges will be capped at Rs.5,000 per customer in per calendar month

Finance Charges

3.8% p.m., (45.60% p.a.)

Late Payment Fee

  1. For payments up to Rs.100, the late payment fee is Nil
  2. For payments more than Rs.100 and less than Rs.500, the late payment fee is Rs.150
  3. For payments more than Rs.500 and less than Rs.5,000, the late payment fee is Rs.500
  4. For payments more than Rs.5,000 and less than Rs.25,000, the late payment fee is Rs.750
  5. For payments more than Rs.25,000 and less than Rs.50,000, the late payment fee is Rs.1,100
  6. For payments above Rs.50,000, the late payment fee is Rs.1,200
 

Key Features and Benefits of Rio RuPay Credit Card

The following are the features and benefits a customer can enjoy upon availing the credit card service:

  1. The credit card offers 3% Rio coins on UPI transactions above Rs.100
  2. The credit card offers 1% Rio coins on non-UPI transactions above Rs.100
  3. Assured cashback on UPI spends and non-UPI spends
  4. Cashback is added straight to the credit card statement
  5. Two complimentary domestic lounge visits in India per calendar quarter
  6. The credit card offers 1% fuel surcharge waiver on fuel spends across all fuel stations
  7. The credit card is convenient, easy to use and works on any payment method

Eligibility Criteria for Rio RuPay Credit Card

The following is the required eligibility criteria to avail the Rio RuPay credit card:

  1. The customer should be between 21 and 60 years of age
  2. The customer should be either a salaried employee or self-employed
  3. The customer should earn a net salary of Rs.25,000 per month or should have income tax return of Rs.5 lakh
  4. Customers who are existing YES Bank credit cardholders are not eligible for availing the Rio RuPay card

    Steps to Apply

    • Click on the Red Button
    • You will be redirected to the YES Bank Credit Cards page
    • Complete the application in the same session

Terms & Conditions

Rewards Related

  • Existing Customers (Savings/Current Account/Credit cards/Loans/FD) of YES Bank are not eligible for the Rewards
  • A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
  • Please use Aadhaar linked mobile number to fill the application
  • VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards