Accelerated YES Rewardz Points of 24 per ₹200 on online shopping and 12 per ₹200 on offline shopping, 6 per ₹200 on Select categories
complimentary domestic airport lounge access 3 visits per quarter and international airport lounge access 6 visits in 12 months plus complimentary membership to 1,000+ international lounges outside India
25% discount on BookMyShow movie tickets
YES BANK Purchase Protection on mobile phones bought online
Fees
Joining FeeFREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days
₹2,949
₹2,499 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy
₹2,949
₹2,499 + GST
Eligibility
Age
21-60 years
Salary
₹2L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2.00% 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 (2.00%): ₹100 → ₹2.00 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)Finance charges of 2.99% per month 35.88% per annum apply on unpaid outstanding balances until the amount is fully repaid
2.99%
ATM Withdrawal.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹650, if applicable
2.5%
Reward Redemption₹100 + GST reward redemption fee
₹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 ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹500
Cash PaymentA cash deposit fee of ₹500 + GST is levied on credit card repayments made in cash at YES BANK branches
₹500
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1350
Late payment charges of 10% of the statement balance or ₹1,350 whichever is lower
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
