Flat 25% discount on movie tickets booked via BookMyShow, up to a maximum of ₹250 per calendar month
Accelerated YES Rewardz Points on online shopping
complimentary domestic & international airport lounge access
Green Fee waiver on golf rounds at select Indian courses under the Golf Program
Instant EMI, EMI on Call, and Quick Loan within your card limit
Fees
Joining FeeFirst-year membership fee of ₹999 is waived on total retail spends of ₹20,000 within 30 days of card set-up date
₹1,179
₹999 + GST
Annual FeeThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy
₹1,179
₹999 + GST
Eligibility
Age
21-60 years
Salary
₹1L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.00% 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%): ₹100 → ₹3 ₹1,000 → ₹30 ₹10,000 → ₹300 ₹1,00,000 → ₹3,000
3.0%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹650
2.5%
Reward Redemption₹100 redemption fee per redemption
₹100
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque PaymentA fee of ₹450 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹450
Cash Payment₹500 cash payment fee per deposit
₹500
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 review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
