Earn 3% Zagg Coins on all eligible UPI transactions via Zagg platform (minimum transaction ₹50); 1 Zagg Coin = ₹1; capped at 1.5% of total credit limit per statement cycle
Enjoy 2 complimentary domestic airport lounge visits per quarter (Dreamfolk lounges); subject to quarterly spending criteria as stipulated by YES Bank
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup3.5% 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 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
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 WithdrawalATM Withdrawal is not allowed on this card
Not Applicable
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets via IRCTC
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 PaymentCheque return fee of ₹450 per instance applies. Auto-debit failure attracts 2% or ₹450 (whichever is higher) , capped at ₹1,500 per statement
₹450
Cash PaymentCash payment fee of ₹100 + applicable GST is charged for credit card repayments of ₹1,000 or more at YES BANK branches
₹100
Late Payment Charges
Amount due
Fee
₹0- ₹500
₹0
₹ 501- Above
₹1350
If current outstanding exceeds ₹500, late payment charge of 10% of statement balance or ₹1,350 (whichever is lower) is levied per statement
Reward Exclusions
EMI transactionsCash withdrawalsPurchases converted to EMI post-factoWallet loading transactionsPurchase of jewellery itemsGovernment-related transactionsAll reversalsGambling transactionsToll paymentsSecurity broker servicesCharity donationsBalance transfersFinancial chargesPayments made via standing-instruction/auto-debit
Terms & Conditions
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
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
