All Benefits
- Unlimited International airport lounge access
- 1% forex markup
- Buy 1 Get 1 on BookMyShow movie tickets
- purchase protection on mobile & electronics
- complimentary ETPrime subscription
- Rewards on rent / utility / insurance categories
Fees
Joining Fee
40,000 YES Rewardz Points as Joining Benefit
₹11,799
₹9,999 + GST
Annual Fee
The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹5,899
₹4,999 + GST
Eligibility
Age
21-60 years
Salary
₹3L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup
1% 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 (1%): ₹100 → ₹1 ₹1,000 → ₹10 ₹10,000 → ₹100 ₹1,00,000 → ₹1,000
1%
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
2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward Redemption
Not Applicable Reward Redemption Comment: No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway ticket
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 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹450
Cash Payment
A fee of ₹100 + GST applies on cash payments made at YES Bank branches
₹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.
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