CreditCardWallah

DATA-BACKED CARD REVIEW

Kredit.Pe YES Bank LTF UPI Credit Card: the fit matters more than the headline.

Kredit.Pe YES Bank LTF UPI Credit Card is listed in CreditCardWallah’s approved directory with an issuer or programme source, review date and practical caution. This page helps you compare the current directory terms with your own spend, fee tolerance, eligibility and use case before you apply.

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CREDITCARDWALLAH SCORECARD

The six dimensions behind this score.

Each parameter is scored out of 10. The final score uses the approved weighted model shown in Methodology.

Rewards 6.4/ 10
Travel 3.0/ 10
Fee 9.1/ 10
Flexibility 5.5/ 10
Overall Value 6.5/ 10
Access & Service 6.0/ 10

BEST FOR

Users whose spending, fees and eligibility match the card’s current benefits.

• Ideal For: Everyday shoppers who want to earn rewards on small UPI transactions. Compare the card’s features, rewards, caps, geographical constraints and annual fees with your own use case before applying.

NOT IDEAL FOR

Read the boundary, not only the benefit.

• You rarely make UPI payments. • You require a stable, issuer-published reward cap. • You don't meet the live approval criteria.

TERMS AT A GLANCE

Use the Features, Rewards, Cap, Geographical constraint and Annual fees for final decision.

Annual fee
• Base Fee: Lifetime Free
Rewards and cap
• Core Reward: Earn 8 Reward Points per ₹200 on online shopping and 4 Reward Points per ₹200 on offline shopping, plus promotional UPI cashback through the Kredit.Pe app. • Reward Cap: UPI cashback is capped at ₹500 per month via the Kredit.Pe app; reward points exclude rent, wallet, fuel, and government transactions.
Eligibility
• Age: 21 to 60 years • Employment: Salaried or self-employed. • Income: Minimum net salary of ₹25,000 per month • Note: Must not already hold a Yes Bank credit card, as this is restricted to new bank customers • Verify the current issuer eligibility and application criteria before applying.

Do not present app-level headline cashback as a guaranteed card-wide rate without the current cardholder terms.

DECISION CHECKS

Questions to answer before you apply.

Check the issuer’s current eligibility, serviceability, documentation and approval criteria before applying.

Compare the stated fee and any waiver condition with your realistic annual spend, not an assumed spending level.

Read the current rewards, caps, exclusions, thresholds and redemption conditions before assigning a value to a headline benefit.

Open the live issuer or programme source again immediately before application because card terms can change independently of this directory review.

REVIEW QUALITY

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ABOUT THE REVIEWER

CA Naveen Bhat

CA Naveen Bhat is the named CreditCardWallah reviewer. Each review turns the cited issuer product terms into practical comparison questions around rewards, fees, caps, eligibility and recurring conditions.

The review is general educational information, not personalised financial advice, an approval promise or a substitute for checking the issuer’s current terms before applying.

READ THE REVIEW METHODOLOGY

CreditCardWallah may earn a commission from some application links. That relationship does not change the need to read the issuer’s current fee, eligibility, reward, cap and exclusion terms. This is general comparison information, not personalised financial advice.