AU Small Finance Bank
AU KOSMO Credit Card
UPIUp to 2% Cashback
on UPI spends
Joining Fee
₹0
Annual Fee
₹0
All cards
YES Bank
YES Bank Kiwi RuPay Credit Card
UPIRuPay
A lifetime-free YES Bank co-branded RuPay credit card built for UPI payments. Link it to any UPI app, scan and pay on credit, and earn cashback on everyday transactions.
Joining fee
₹0
Annual fee
₹0
Rewards
Up to 2% cashback on UPI spends
Best for
UPI-first spenders who want a lifetime-free RuPay card
Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.
Key benefits
- Earn up to 2% cashback on eligible UPI scan-and-pay transactions
- Lifetime free — no joining fee and no annual fee
- RuPay-powered UPI linkage works across UPI QR merchants
- 1% fuel surcharge waiver on eligible fuel transactions
- App-first controls for card limits, spend tracking and UPI management
- Works with popular UPI apps for seamless scan-and-pay on credit
Fees & charges
- Joining fee
- ₹0 (lifetime free)
- Annual / renewal fee
- ₹0 (lifetime free)
- Lifetime free
- Yes
- Fuel surcharge waiver
- 1% on eligible fuel transactions
- Interest rate
- As per YES Bank schedule of charges
- Cash withdrawal fee
- As per issuer terms
Eligibility
- Indian resident with a valid PAN and Aadhaar
- Aged 21 or above
- Approval subject to YES Bank / Kiwi checks
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