Uni (Yes Bank RuPay) Uni Card credit card
Uni (Yes Bank RuPay)RuPay · UPICashback

Uni Card credit card

Lifetime-free RuPay card with 1% cashback on UPI and card spends.

29
Personal score29/100● Weak fit
Recurring net savings₹3,036/yrafter fee, GST and caps · bills paid in full
First-year value₹3,036no welcome offer
Effective savings rate0.8%on ₹3,87,600 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: Uni (Yes Bank RuPay) – Uni Card product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,426/yrBase rate 1% on other spends
₹0Lifetime free
0/2lounge visits covered
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹3,036/yr · 0.8%
Base rate 1% on other spendson ₹2,42,640₹2,426
1% on UPIon ₹60,960₹610
Excluded categories (no rewards)on ₹84,000₹0
How ₹3,036/yr is calculated
Uni Card
+ Reward value on your spendat ₹1/Cashback realistic value
₹3,036
+ Annual fee incl. 18% GSTlifetime free
₹0
= Recurring net savings
₹3,036/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,87,600
= Effective savings rate
0.8%

How the score of 29 is built

weights total 100% · methodology
Net savings rate16/100 × 55%8.7
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit0/100 × 10%0.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn1%value on eligible spend
⚡ Acceleratednone1% on UPI
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ FeesLifetime free
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited to statement.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylenone
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • UPI cashback
  • Free
  • Simple
  • 1% flat
  • No perks
  • Cap on UPI

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Community Q&A on the Uni Card

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Uni (Yes Bank RuPay) Uni Card?

It is lifetime free – no joining or renewal fee.

Does the Uni Card give airport lounge access?

No lounge access. None.

How much can I save with the Uni Card?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,036 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Uni Card's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Uni Card lounge access by airport · all Uni (Yes Bank RuPay) cards · change log.