Yingus Card
- 1.5% back
- No annual fee
- Instant controls
Yingus Credit
Straightforward rewards, strong controls, and instant wallet provisioning.
- No annual fee on Yingus Card
- Instant freeze, virtual numbers, spending limits
- Add to Apple Pay and Google Wallet in minutes
Yingus+ Card
- 2% back
- Lounge access
- Purchase protection
Osama Card
- Near‑instant settlement
- Low fees
- Secure custody
Osama+ Card
- Near‑instant settlement
- $0 foreign fees
- Enhanced limits & controls
Controls
Freeze/unfreeze, set limits, and create virtual cards instantly.
Security
Passkeys, device verification, and real‑time alerts.
Rewards
Simple cash back with no rotating categories.
Support
Fast help from real humans when you need it.
Rates & fees (summary)
| APR | Variable, based on credit profile |
|---|---|
| Annual fee | $0 (Yingus), Premium varies |
| Late fee | Capped and transparent |
| Foreign fee | $0 on Yingus+, 1% on Yingus |
FAQs
Will applying affect my score?
Check eligibility first with no impact; full application may include a credit pull.
How fast can I use the card?
On approval, add to your mobile wallet immediately.
How do rewards work?
Cash back posts monthly and can be redeemed to your account.