All Benefits
- Accelerated Reward Points of 8 per ₹200 on Travel and Dining spends
- 4 Reward Points per ₹200 on all other categories
- minimum 15% dining discount under the Dining Fiesta Program
- air miles conversion to InterMiles and Club Vistara
Fees
Joining Fee
FREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days
₹589
₹499 + GST
Annual Fee
The 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 Markup
3.50% 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 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
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 Withdrawal
2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹650, if applicable
2.5%
Reward Redemption
₹100+ GST redemption fee per redemption
₹100
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque Payment
A fee of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹450
Cash Payment
A cash deposit fee of ₹500 + GST is levied on credit card repayments made in cash at YES BANK branches for amounts of ₹1,000 or more
₹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
Reward Exclusions
Terms & Conditions
- 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
Full charges and terms: Bank MITC / Terms