YES

YES Bank Uni GoldX Credit Card

Good fit for international travel and zero-forex spending — no complimentary lounge access.

Top reasons to choose this card

Low 0% forex markup

What you'd do with it

Strong fit when you want everyday spend without annual fee drag.
Helpful for international spending because forex markup is kept to 0%.

Low forex 0% forex markup
Moderate rewards 1% on General spend

Suggested comparison Similar low-forex profile Compare with IDFC FIRST Bank Select →

Choose another card to compare →

Annual fee ₹0 lifetime free

Forex markup 0% zero forex

Lounge access 0 no lounge

Base cashback 1% base cashback

The catch Cashback applies, but caps and excluded categories are not fully structured. Check monthly limits and eligible spend categories.

Annual fee known
Forex markup known
No lounge access
Monthly interest known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹0
Forex markup: 0% among the lowest (10 cards)
Lounge access: No complimentary lounge access
Reward rate: 1%

Good fit for

Low forex

Not a fit for

No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters.
Forex markup is listed as 0%.
Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.

Verify before applying

Annual fee known
Forex markup known
No lounge access
Monthly interest known

Welcome benefit timing and claim process.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward limits
1% on elsewhere
Excluded categories excluded

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with IDFC FIRST Bank Select Similar low-forex profile Zero forex credit cards Cards with published 0% international markup. Forex ranking (verified) Compared on verified forex markup, then annual fee. No annual fee cards Cards with zero published annual fee.

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

No joining or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: Medium Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Watch outs

Before choosing this card

Reward value is not fully resolved in the current snapshot.

Reward reality

Point value · limits · exclusions

Base earn1% category cashback

Limits/capsCashback earn has structured caps.

Exclusions/no-earnSome reward rules include excluded categories.

UnknownsReward value unresolvedReward value unclear

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend1%——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate)

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Not specified

Rewards

Base cashback: 1%
Reward type: Cashback

Fees & charges

Fees

Monthly interest rate: 3.99% / month
Annual fee: ₹0
Joining fee: ₹0 · verified 6 Jul 2026
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 0%

2 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)