This YES Bank Rio Credit Card Review covers one of the most exciting launches in India’s credit card market.
The Rio Credit Card, powered by YES Bank and RuPay, is India’s first lifetime free UPI-enabled credit card.
With up to 3% cashback on UPI spends, airport lounge access, and 500 Rio Coins welcome bonus, this card redefines the way you pay and earn using UPI.
In this detailed YES Bank Rio Credit Card Review, we’ll explore how this UPI-enabled credit card by YES Bank is changing the game for cashback lovers.
💳 YES Bank Rio Credit Card Review
| Feature | Details |
|---|---|
| Issuer | YES Bank |
| Network | RuPay (UPI-enabled) |
| Type | Lifetime Free UPI Credit Card |
| Credit Limit | Up to ₹5,00,000 |
| Joining Fee | ₹0 (Lifetime Free) |
| Welcome Bonus | 500 Rio Coins |
| Rewards | 3% Rio Coins on UPI spends |
| Lounge Access | Complimentary Airport Lounge Access |
| Referral Code | Z112IT |
💡 Pro Tip: Use the Rio App to manage transactions, redeem coins, and view cashback in real time.
💰 YES Bank Rio Credit Card Benefits
- 💳 Lifetime Free Credit Card – No joining or annual fee ever.
- 💎 500 Rio Coins Welcome Bonus when you join using referral code Z112IT.
- 🪙 3% Rio Coins on all UPI spends – Earn rewards for every Scan & Pay.
- ✈️ Complimentary Airport Lounge Access for domestic travelers.
- 🏦 Credit limit up to ₹5 lakh with seamless approval via app.
- ⚡ Instant Digital Card Activation via the Rio app – start using it on UPI instantly.
- 💼 Backed by YES Bank + RuPay, ensuring secure and fast UPI payments.
🧮 Rio Coins Cashback Example
Let’s say you spend ₹20,000/month via UPI payments:
| Spend Type | Amount | Cashback % | Rio Coins Earned |
|---|---|---|---|
| UPI Merchant Payments | ₹15,000 | 3% | 450 Rio Coins |
| Online Payments | ₹5,000 | 2% | 100 Rio Coins |
| Total | ₹20,000 | — | 550 Rio Coins/month |
💰 Annual Value: ~6,600 Rio Coins (≈ ₹6,600 value, redeemable via app).
🧾 YES Bank Rio Credit Card Fees & Charges
| Charge Type | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Finance Charges | 3.6% per month |
| Cash Advance Fee | 2.5% (min ₹500) |
| Foreign Transaction Fee | 3.5% |
| Late Payment Fee | ₹100–₹1,200 based on due amount |
✅ There’s truly no hidden cost — it’s a 100% Lifetime Free UPI Credit Card.
🧠 Eligibility Criteria
| Parameter | Requirement |
|---|---|
| Age | 21–60 years |
| Employment Type | Salaried or Self-employed |
| Minimum Income | ₹15,000 per month |
| Credit Score | 700+ preferred |
| KYC | Aadhaar + PAN via app |
📱 Apply through the official Rio App in just 2 minutes — no paperwork needed.
🚀 How to Apply for YES Bank Rio Credit Card
1️⃣ Download the Rio App from this link → https://rio.onelink.me/tlkF/getRioApp
2️⃣ Complete your KYC verification online.
3️⃣ Enter the Rio Referral Code: Z112IT to get 500 bonus Rio Coins.
4️⃣ Get your instant digital card and start UPI payments immediately.
5️⃣ Physical card delivered to your address within a few days.
⚖️ YES Bank Rio Credit Card Review – Pros & Cons
| Pros | Cons |
|---|---|
| ✅ Lifetime Free with ₹0 fees | ❌ Limited offline cashback |
| ✅ 3% cashback on UPI spends | ❌ No international transactions yet |
| ✅ Airport lounge access | ❌ New program, limited merchant partnerships |
| ✅ Instant digital approval | ❌ Lounge access limited to select cities |
| ✅ Backed by YES Bank | ❌ Rio Coins redemption options evolving |
✈️ Why Choose YES Bank Rio Credit Card?
This YES Bank Rio Credit Card Review shows why the card is a perfect fit for the modern UPI user.
Instead of traditional reward systems, Rio gives instant cashback via Rio Coins, all while being completely free for life.
For those who frequently use UPI Scan & Pay, this card adds extra value with lounge access and ₹5L credit limit.
Overall, this YES Bank Rio Credit Card Review highlights why it’s one of India’s most rewarding lifetime free credit cards in 2025.
🧾 FAQs – YES Bank Rio Credit Card Review
Q1. Is the YES Bank Rio Credit Card lifetime free?
Yes, it’s 100% Lifetime Free — no joining or renewal charges.
Q2. How can I earn cashback on Rio Credit Card?
You earn up to 3% Rio Coins on every UPI spend and 500 bonus coins at signup.
Q3. Can I use it for UPI payments?
Yes — it’s India’s first UPI-enabled credit card via RuPay network.
Q4. What’s the referral code for Rio Credit Card?
Use Z112IT to get 500 Rio Coins instantly after activation.
Q5. Does Rio offer physical and digital cards?
Yes, both — the digital version is available instantly upon approval.
💳 Get India’s First Lifetime Free UPI Credit Card!
Earn 500 Rio Coins instantly using referral code Z112IT. Start earning 3% cashback on every UPI payment today.
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