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RuPay Virtual Card / Klick / Zagg / Finbooster / Uni RuPay Virtual / Paisabazaar Paisasave RuPay Virtual / AI Inside / AI Inside RuPay Virtual / NIYO / Novio
by YES Bank · RuPay · Entry · Retail
Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.99% p.m. (47.88% p.a.)
Cash advance feeEffective 15th June 2026: 2.5% or INR 650 whichever is higher (prior to 15th June 2026: 2.5% or INR 500 whichever is higher). Waived for YES Private and AI Inside Credit Card; not applicable for any Virtual Credit Card
Late payment feeUp to INR 500 current outstanding (statement balance + unbilled): No late payment charges. Above INR 500: 10% of statement balance or INR 1350 whichever is lower, per statement. Waived for YES Private credit card
Rewards & Lounge access
Rewards
Lounge accessNot applicable
NetworkRuPay
CategoryEntry
Card typeRetail