YES Bank Rio RuPay Credit Card

YES Bank is one of the prominent banks in the country and offers an array of services and products to its customers like credit cards, debit cards, savings accounts, loans, deposit schemes, etc. One such offering of YES bank is Rio RuPay credit card issued in partnership with Rio.  

The YES Bank Rio RuPay credit card is a life-time free credit card designed for individuals who wish to save on everyday transactions. It offers various benefits like fuel surcharge waiver, insurance coverage, reward points, and complimentary airport lounge access. Read on to know more about the application process, eligibility criteria, customer care number, and other details related to YES Bank Rio RuPay credit card. 

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Features and Benefits of the YES Bank Rio RuPay Credit Card:

The below-listed are the features and benefits of the YES Bank Rio RuPay Credit Card: 

  1. Lifetime Free Credit Card: The YES Bank offers Rio RuPay credit card at zero joining and renewal fee, which makes it a perfect choice for first-time card users. 
  1. Lounge Access: This credit card also offers up to two complimentary domestic airport lounge access every quarter. 
  1. Fuel Surcharge Waiver: On fuel transactions done using Rio credit card, you get a waiver of 1%, capped at Rs.5,000 in a month. 
  1. Work Everywhere: You can complete UPI transactions, online or offline transactions, using the Rio RuPay credit card. 

Eligibility Criteria to Apply for YES Bank Rio RuPay Credit Card:

The eligibility criteria to apply for YES Bank Rio RuPay credit card are as listed below: 

  1. The applicant should be between 21 and 60 years of age. 
  1. The applicant should be either a salaried employee or self-employed. 
  1. The applicant should earn a net salary of Rs.25,000 per month or should have an Income Tax Return (ITR) of Rs.7.5 lakhs or above. 
  1. The applicants who are existing YES Bank credit cardholders are not eligible for availing the Rio RuPay card
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Documents Required to Apply for YES Bank Rio RuPay Credit Card:

The below-listed documents are required to apply for YES Bank Rio credit card: 

  1. Valid Income Proof: Bank Statements, Salary Slips (not more than three months old), ITR, Form 60, etc. 
  1. Valid Identity Proof: Aadhaar card, Passport, Ration Card, etc. 
  1. Valid Address Proof: Electricity Bill, Telephone Bill, Driving Licence, etc. 
  1. PAN Card 
  1. Multiple copies of passport sized photographs 

Note: The below-listed documents are in general, and the bank may request for additional documents based on your application and internal policies. 

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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

Nil

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

Revolving Credit Interest Rate/ Cash Advance 

3.99% per month, 47.88% per annum

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

Late Payment Fee

  1. For outstanding balance up to 500, the late payment fee is Nil
  2. For an outstanding balance above Rs.500, the late payment fee is 10% of the balance amount, subject to a minimum of Rs.1350. 

Note: The above listed fees and charges are as on 8 August 2025 and are subject to change at the discretion of the bank. 

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YES Bank Rio RuPay Credit Card Customer Care:

YES Bank is known for its customer service. If you have any issues or grievances related to the YES bank credit card, you can reach out the below listed numbers: 

  1. For general queries (within India): 1860 210 1200  and 1800 1200 (toll-free, available between 8 a.m. to 8 p.m.) 
  1. You can also mark a mail on yestouch@yesbank.in  
  1. For credit card specific concerns, you can mark a mail on yestouchcc@yesbank.in 
  1. For issues related to mis-selling or harassment by a bank representative, call on 022-68937300 (Between 8 a.m to 8 p.m.) 
  1. You can also mark a mail on ccsalescompliants@yesbank.in 
  1. For credit card closure, you can mark a mail on creditcard.closure@yesbank.in 

FAQs on YES Bank Rio RuPay Credit Card

  • Will I have to pay any joining fee when applying for YES Bank Rio RuPay credit card?

    No, you will not have to pay any joining fee when applying for YES Bank Rio RuPay credit card. 

  • How can I link my Rio credit card to UPI applications?

    To add your Rio credit card to any UPI app, you need to know the last six digits of the card number and expiry date. These details can be directly taken from the Rio app. You can also link your Rio card to all the UPI apps directly from the Rio app itself.

  • Can I use any UPI application to make payments using my Rio credit card?

    Yes, you can make payments through any UPI apps using YES Bank Rio RuPay credit card.

  • Do I get any waiver on fuel surcharge on fuel transactions done using Rio RuPay credit card?

    Yes, you get a waiver of 1% on fuel transactions done using Rio RuPay credit card, capped at Rs.5000 in a calendar month. 

  • Will I get complimentary lounge access with Rio RuPay credit card?

    Yes, you get the benefit of complimentary lounge access with Rio RuPay credit card. 

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