Kredit.Pe YES Bank LTF UPI Credit Card

Card Benefits

Key benefits available with this card.

Unlimited 5% Cashback on Digital Gold

Earn a massive, uncapped 5% Kredit.Pe Cashback on all Digital Gold purchases.

Unlimited 3% Cashback on UPI

Earn an unlimited 3% Kredit.Pe Cashback on all your eligible UPI scan & pay transactions.

YES Bank Reward Points

Earn 8 YES Bank points per ₹200 on online shopping, 4 points on offline spends, and 2 points on utilities, insurance, and government services.

1000 Kredit.Pe Cashback Welcome Bonus

Get a joining bonus of 1000 Kredit.Pe Cashback upon successfully linking the card to the Kredit.Pe UPI app.

High-Value Cashback Redemption

Use your Kredit.Pe Cashback (1 KP Cashback = ₹1) to get 7% off on Digital Gold, plus exclusive discounts on shopping vouchers, bills, and recharges via the Kredit.Pe app.

Low Forex Markup

Enjoy international transactions with a very competitive foreign currency markup of just 2.75%.

1% Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on fuel transactions ranging between ₹400 and ₹5,000 across all petrol pumps in India.

Up to 50 Days Interest-Free

Enjoy an interest-free credit period of up to 50 days (pay later with zero interest on eligible retail purchases).

Welcome / Free Offer

1000 Kredit.Pe Cashback on linking the card to Kredit.Pe UPI.

Value up to ₹1,000

Eligibility: Link the card to the Kredit.Pe UPI app to receive the joining bonus.

Rewards & Points

How rewards are earned on this card.

Category	Reward	Details
Digital Gold Purchases	5.0000 points / ₹100	Unlimited 5% Kredit.Pe Cashback on Digital Gold purchases (1 Kredit.Pe Cashback = ₹1).
UPI Spends	3.0000 points / ₹100	Unlimited 3% Kredit.Pe Cashback on eligible UPI Scan & Pay transactions.
Online Shopping	4.0000 points / ₹100	Earn 8 YES Bank Reward Points for every ₹200 spent on online shopping.
Offline Spends	2.0000 points / ₹100	Earn 4 YES Bank Reward Points for every ₹200 spent on regular offline retail transactions.
Utilities, Insurance & Govt Services	1.0000 points / ₹100	Earn 2 YES Bank Reward Points for every ₹200 spent on traditionally excluded categories like utilities, insurance, and government services.

Reward Point Value: ₹1.0000 per point

Reward Exclusions: Fuel purchases, cash advances, wallet reloads, and EMI transactions do not earn Kredit.Pe Cashback.

Airport Lounge Access

Complimentary domestic lounge visits.

Fuel Surcharge Waiver

Waiver Rate 1.0000%

Maximum Monthly Waiver —

Current Offers & Promotions

Lifetime Free Membership

Active

₹0 Joining & Annual Fee

Enjoy a Lifetime-free credit card with absolutely no joining or annual renewal fees.

Welcome Joining Bonus

Active

1000 Kredit.Pe Cashback

Get 1000 Kredit.Pe Cashback immediately upon linking your newly issued credit card to the Kredit.Pe UPI app.

Eligibility Criteria

Age

21 to 65 yrs

Employment

Salaried and Self-employed

Salaried Income

₹25,000 / month

Self-Employed

₹750,000 / year ITR

Credit Score

720+

New to Credit

Not Specified

Additional Eligibility Details

Age Requirement: 21 to 65 Years — Primary applicant must be an Indian resident aged between 21 and 65 years.

Salaried Income: ₹25,000 / month — Minimum monthly net income of ₹25,000 is required for salaried applicants.

Self-Employed Income: ITR > ₹7,50,000 / year — Minimum annual ITR filing of ₹7.5 Lakhs or more is required for self-employed applicants.

Credit Score: 720+ — Minimum credit score of 720 with a clean credit repayment history.

Employment: Salaried & Self-Employed — Both salaried professionals and self-employed individuals are eligible to apply.

Important Eligibility Information

Age: 21 to 65 years. Salaried Income: ₹25,000/monthly. Self-Employed: ITR > ₹7.5 Lakhs/annum. Credit Score: 720+.

Income: Salaried: ₹25,000 per month. Self-employed: Annual ITR > ₹7,50,000.

Employment: Salaried and Self-employed individuals.

Credit Score: Minimum credit score of 720+ required.

Documents Needed

ID Proof: PAN Card/Form 60

Address Proof: Aadhaar, Passport, or Utility Bills

Income Proof: Bank Statements or Salary Slips

Fees & Charges

Standard Joining Fee

₹0

Annual Fee

₹0 + GST

Fee Terms: This card is issued as Lifetime Free (LTF) with absolutely no joining fee or annual renewal fee.

Pros

• Lifetime free credit card with no joining or annual fees
• Outstanding unlimited 5% cashback on Digital Gold
• Unlimited 3% cashback on all UPI spends
• Earn YES Bank Reward Points even on utilities, insurance, and government services
• Generous 1000 Kredit.Pe Cashback welcome bonus
• Low forex markup of just 2.75%

Cons

• Dual reward systems (Kredit.Pe Cashback + YES Bank Points) can be slightly complex to track
• Does not offer airport lounge access