Kredit.Pe Yes Bank LTF UPI credit card

Kredit.Pe Yes Bank LTF UPI

Yes Bank · Rupay

Kredit.Pe Yes Bank LTF UPI credit card is a lifetime-free card issued via Kredit.Pe platform on the RuPay network, enabling UPI credit at zero annual fee.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹1/pt

Min CIBIL

650

₹2L+ income

Key Features

Lifetime free UPI credit card via Kredit.Pe app
Earn reward points on every UPI payment
RuPay network — works on PhonePe, Google Pay and all UPI apps
2X reward points on UPI and online transactions
Interest-free credit up to 45 days
Instant digital card — no physical card needed
Zero annual fee and zero joining fee
Build or improve credit score with responsible use

Welcome Benefits

✓

Lifetime Free Digital Card

Zero fees forever — instant digital card managed via Kredit.Pe app

✓

Welcome Reward Points on First UPI Payment

Earn bonus points on your first UPI transaction within 30 days of activation

Reward Rates by Category

Dining

2X

Travel

2X

Online

3X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All UPI MerchantsUPI Payments2X
Online MerchantsOnline2X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Zero Liability

Full protection against fraud — report via Kredit.Pe app

100% fraudulent charges

Pros

  • Lifetime free — zero annual fee
  • UPI credit via RuPay
  • Easy fintech onboarding
  • Yes Bank backing
  • Quick approval via app

Cons

  • Basic rewards only
  • No lounge access
  • Limited premium benefits

Frequently Asked Questions

What is Kredit.Pe?+
Kredit.Pe is a fintech that offers a lifetime-free Yes Bank RuPay credit card managed entirely via their app — designed for UPI-first credit card users.
Do I need a Yes Bank account?+
No — you can apply via the Kredit.Pe app without an existing Yes Bank account.
Is it useful without a physical card?+
Yes — digital-first card works for all UPI payments and online shopping without needing a plastic card.
Annual fee?+
Zero — lifetime free.
Good for credit building?+
Yes — ideal for building credit score with responsible UPI-based spending.

Ready to apply?

Apply on the Yes Bank website. Usually takes 10 minutes.

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Kredit.Pe Yes Bank LTF UPI

Free · 1X rewards