Credit Card Guides and Tips

Lifetime free credit cards in India have become one of the most popular ways to enjoy credit card benefits without paying joining or annual fees. These cards offer convenience, rewards, and financial flexibility across online shopping, utility bill payments, travel bookings, and UPI transactions. In 2026, lifetime free credit cards provide benefits such as cashback, […]

Punjab National Bank (PNB) is one of India’s leading public sector banks, offering a wide range of credit cards in 2026 for all types of users, from beginners to frequent travellers. Its RuPay-UPI integration allows users to link credit cards with UPI apps and make payments via merchant QR codes while earning cashback on eligible […]

Apply for a RuPay Credit Card Online – Lifetime Free & Earn Cashback on UPI Pay with your credit card on UPI. Get cashback on eligible merchant UPI transactions every time you scan and pay online. Lifetime free. No joining fee. No annual fee. Apply for a credit card on UPI online – 100% digital, […]

If you are looking for a credit card that works on UPI, your options come down to RuPay-network cards – and two of the most accessible issuers in this space are YES Bank and AU Small Finance Bank. Both offer RuPay credit cards that can be linked to UPI apps, both partner with fintech platforms […]

Most YES Bank credit cards [/blog/yes-bank-credit-cards/] earn reward points under the YES Rewardz programme. But earning points is only half the equation; the real question is what those points are worth and how efficiently you can redeem them. This guide covers the earning rate for every major YES Bank card, the actual monetary value of […]

Every YES Bank credit card [/blog/yes-bank-credit-cards/] comes with a set of fees and charges beyond the joining and annual fee. Understanding these charges upfront helps you avoid surprises on your monthly statement and choose a card whose cost structure fits your spending behaviour. This guide covers every applicable charge, from interest rates and forex markup […]

Linking your YES Bank credit card to UPI lets you pay at any QR code merchant using your credit limit instead of your bank balance. Once linked, the experience is identical to paying with a savings account,  scan, enter amount, and confirm with UPI PIN. The only difference is where the money comes from. Before […]

UPI has become India’s default payment method for everyday transactions. From street vendors to fuel stations, QR-based payments handle everything from ₹20 chai to ₹5,000 grocery runs. In 2026, the question is no longer whether to use UPI; it is whether your UPI payments should earn you something back. Credit cards can now be used […]

After applying for a YES Bank credit card [/blog/yes-bank-credit-cards/], the bank sends you a 13-digit reference number via SMS to your registered mobile number. This number is your key to tracking the application at every stage,  from submission to approval to physical card delivery. Here is how to check your YES Bank credit card application […]