LIFETIME FREE CARD WITH ZERO FOREX FEES ON INTERNATIONAL TRANSACTIONS

Yes Bank Uni Credit Card

Yes Bank Uni Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Zero forex fee on international transactions
✔︎
Lifetime free
Annual Fee

₹0

Minimum Income

₹25,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Lifetime free limited time offer

Zero forex markup credit card: No forex fee is charged on international card transactions

Lifetime free (limited time offer)

1% cashback on card spending

Important exclusions (no cashback)

  • Fuel purchases
  • Wallet loads & rent payments
  • Government transactions & education fees
  • Cash withdrawals & utility payments
  • EMI transactions & cash advances
  • Fees, charges & card transactions abroad
  • Note: International transactions get zero forex markup but no cashback

Fuel surcharge waiver up to ₹500 per month, and valid only on fuel transactions up to ₹7500 

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Benefits

  • Zero forex markup credit card, zero fee is charged on international card transactions. Hence it is one of the best credit cards for international transactions.
  • Lifetime free offer

Drawbacks to consider

  • Low reward rate on card spends

To read the full review of the card , please click here

Lifetime Free UPI/RuPay Credit Card

YES BANK RuPay Credit Card

YES BANK RuPay Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card for UPI (Digital only virtual card for Yes Bank Mastercard & Visa caredholders)
0.50%
Reward on UPI transactions over ₹2000
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

This card is only issued to Mastercard & Visa cardholders of Yes Bank. Existing RuPay cardholders of Yes Bank are not eligible for this card.

Lifetime free card for UPI payments

Digital only card, no physical card is issued

0.50% reward on UPI transactions over ₹2000

  • Earn 2 reward points worth ₹0.50, on every ₹100 spent
  • 1 reward point = up to ₹0.25, and can be redeemed for flights, vouchers, products and more. Highest reward point value is generally available for hotel & flight redemptions.
  • Reward points are capped at 5000 reward points in a month.

0.25% reward on all other card spends: Earn 1 reward points worth ₹0.25, on every ₹100 spent (certain exclusions apply)

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Benefits

  • Lifetime free card, which is UPI enabled. Helps you to earn rewards on day to day UPI transactions

Drawbacks to consider

  • Rewards on card spending are comparatively low 

To read the full review of the card , please click here

BEST FOR HEAVY UPI USERS (UPTO 5% CASHBACK REWARDS ON UPI)

Yes Bank Kiwi Klick RuPay Credit Card

Yes Bank Kiwi Klick RuPay Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
Up to 5% reward on UPI spends (with annual subscription plan costing ₹999)
✔︎
Lifetime free card
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

Digital UPI Credit Card 

▶︎ Basic Rewards Structure (No Subscription)

UPI Transactions

  • 0.50% cashback on UPI spending (2 Kiwis per ₹100)
  • Monthly cashback limit: 1% of total credit limit
  • Minimum transaction: Rewards given on multiples of ₹100 
  • 1 Kiwi = ₹0.25 (redeemable as statement credit)

Non-UPI Transactions

  • 0.25% rewards (1 point per ₹100 spent)

▶︎ Enhanced Rewards with Kiwi Neon Subscription

Subscription Details

  • Annual cost: ₹999

Base Enhanced Rates

  • 0.50% cashback on online UPI transactions
  • 2% cashback on scan & pay QR transactions

Annual Milestone Rewards

  • ₹50,000 annual spend: 3% total cashback + 1 domestic airport lounge access
  • ₹1,00,000 annual spend: 4% total cashback + 1 domestic airport lounge access
  • ₹1,50,000 annual spend: 5% total cashback + 1 domestic airport lounge access

Important reward exclusions & exceptions

  • Telecom & utilities (utility rewards limited to 150 reward points per month)
  • Jewelry, fuel, rent payments
  • Insurance premiums & education fees
  • Government services & wallet reloads
  • Cash withdrawals & EMI transactions
  • Marketing/advertising category transactions

▶︎ Other Benefits: 1% fuel surcharge waiver, up to ₹250 per month

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Pros

  • Lifetime free digital card, UPI enabled
  • Up to 5% cashback with Neon subscription program
  • Excellent for frequent UPI users

Cons

  • Virtual card only - no physical card issued
  • Customer service support can be limited

To read the full review of the card , please click here
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Best Yes Bank Lifetime Free Credit Cards

YES BANK RuPay Credit Card is a virtual Yes Bank lifetime free credit card offered only to Yes Bank Mastercard & Visa cardholders. Existing RuPay YES BANK Credit Cardholders are not eligible for this card. This card helps you earn rewards on your day-to-day UPI/RuPay transactions. 

Yes Bank Uni Credit Card is a cobranded Yes Bank lifetime free credit card with Uni. This card is popular since it is one of the few cards in India that comes with a zero forex markup, so no fee is charged on your international card transactions. Hence, it is a good international travel credit card, and is one of the best lifetime free credit cards in India. 

Let us look at these two cards in the comparison table below-

Card Name Annual Fee Benefits

Yes Bank Uni Credit Card

Minimum Income

₹25,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

 Annual Fee - ₹ 0
  • Lifetime free limited time offer
 Special Benefits
  • Zero forex fee on international transactions
  • Lifetime free offer 

YES BANK RuPay Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 0
  • Welcome Offer: Nil
 Special Benefits
  • Lifetime free card, enabled for UPI transactions
  • 0.50% reward on UPI transactions over ₹2000

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