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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
YES Bank · RuPay

YES BANK UNI RuPay Credit Card

Best forFood Delivery & Groceries
Earns1% unlimited cashback / on food delivery
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on food delivery and groceries, where it earns 1% unlimited cashback /
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Food Delivery1% unlimited cashback /
Groceries1.0 CASHBACK
Dining1.0 CASHBACK
Shopping1.0 CASHBACK
Travel1.0 CASHBACK
All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rent transactions are strictly excluded from reward accrual per YES Bank terms.
Education——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Insurance——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Utilities——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel purchases strictly excluded from reward points/cashback earning.
Groceries1.0 CASHBACK—1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup
Details
Status
Verified
Source
YES-SRC-006
Issuer note
1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup.
Dining1.0 CASHBACK—1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup
Details
Status
Verified
Source
YES-SRC-006
Issuer note
1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup.
Food Delivery1% unlimited cashback /—1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup
Details
Status
Verified
Issuer note
1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup.
Shopping1.0 CASHBACK—1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup
Details
Status
Verified
Source
YES-SRC-006
Issuer note
1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup.
Travel1.0 CASHBACK—1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup
Details
Status
Verified
Source
YES-SRC-006
Issuer note
1% unlimited cashback / Uni Coins (1 Coin = ₹1) across retail and RuPay UPI with 0% forex markup.
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government transactions are strictly excluded from reward accrual per YES Bank terms.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet transactions are strictly excluded from reward accrual per YES Bank terms.
Railways——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
FASTag——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Telecom——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
1% unlimited cashback / on food delivery
Foreign-currency markup
0% foreign currency conversion markup

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Rent, Fuel, Government, Wallet
  • Research pending: Education, Insurance, Utilities, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in food delivery, groceries, dining
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, fuel, government, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 4 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to YES Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: 0% foreign currency conversion markup
What DhanChakshu couldn't fully verify · 9 areas

9 areas need further verification. None of these are counted as zero.

  • • Education — research pending
  • • Insurance — research pending
  • • Utilities — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: 9 of 16 categories verified · 7 still being verified

Card record last checked: 2026-09-27

Documents used
YES BANK UNI RuPay Credit Card Product Page & Schedule · YES-SRC-006 · 2026-09-27
YES BANK UNI RuPay Credit CardLifetime free