YES Bank
YES Bank Kiwi RuPay Credit Card
UPIUp to 2% Cashback
on UPI scan-and-pay
Joining Fee
₹0
Annual Fee
₹0
All cards
AU Small Finance Bank
AU KOSMO Credit Card
UPIRuPay
A lifetime-free RuPay credit card from AU Small Finance Bank built for UPI-first spenders. Earn up to 2% cashback on UPI spends and 1% on other eligible spends, with fuel surcharge waiver and domestic airport lounge access.
Joining fee
₹0
Annual fee
₹0
Rewards
Up to 2% on UPI, 1% on other eligible spends
Best for
UPI-first users who want a lifetime-free cashback card
Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.
Key benefits
- Lifetime free — no joining fee and no annual fee
- Earn up to 2% cashback on eligible UPI spends
- Earn 1% cashback on other eligible online and offline spends
- 1% fuel surcharge waiver on eligible fuel transactions
- Complimentary domestic airport lounge access as per issuer programme terms
- RuPay-powered UPI linkage for scan-and-pay on credit
- No-cost EMI conversion on eligible transactions
Fees & charges
- Joining fee
- ₹0 (lifetime free)
- Annual / renewal fee
- ₹0 (lifetime free)
- Lifetime free
- Yes
- Cash withdrawal fee
- 2.5% of amount or ₹500, whichever is higher
- Card replacement fee
- ₹200 + GST
- Interest rate
- As per issuer schedule of charges
Eligibility
- Indian resident aged 21 or above
- Salaried or self-employed with stable income
- Approval subject to AU Small Finance Bank checks
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