Earn 8 YES Rewardz Points on every ₹200 spent on online shopping and 4 YES Rewardz Points on every ₹200 spent on offline shopping
Earn 2 YES Rewardz Points on every ₹200 spent on Select categories (utilities, insurance, education, etc.)
Reward points are capped at 5,000 per statement cycle
Enjoy a Buy 1 Get 1 offer on coffee at select malls across India
Fees
Joining FeeJoining Fee is fully waived when you spend ₹5,000 within the first 30 days
₹589
₹499 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹589
₹499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2.75% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹2.75 ₹1,000 → ₹27.5 ₹10,000 → ₹275 ₹1,00,000 → ₹2750
2.75%
Finance Charges (APR)Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption₹100 + GST per day for reward redemptions
₹100
Railway Surcharge1% + GST Passenger Railway transaction charge applies only if a single transaction exceeds ₹30,000 or monthly railway spends exceed ₹80,000; capped at ₹5,000 per transaction (platform charges extra).
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹100 - ₹500
₹150
₹500 - ₹5000
₹500
₹5000 - ₹20,000
₹750
₹20,000 and above
₹1000
Additionally, a charge of ₹100 will be levied if the Minimum Amount Due (MAD) remains unpaid for two consecutive billing cycles. This ₹100 charge will continue for every cycle until the MAD is cleared.
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
