Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverJoining fee waived on INR 5,000 spend within 30 days; Renewal waived on INR 50,000 spend in previous year
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 100 - INR 1,300 based on outstanding amount
Forex markup3.50%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 500 effective June 15, 2026)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000/month
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate8 Reward Points per INR 200 on online spends
Cashback capAs per YES Rewardz programme
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersNo
ConciergeNo
Forex waiver3.5% (standard rate; no waiver)
Lifestyle
Dining discountsNo
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 3,000 per fueling (standard tier; bands restructured Jun 15, 2026)
OTT subscriptionsNo
E-commerce offersYes - select partner discounts
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 1.5 - INR 3 lakh (based on profile)
Cash withdrawalUp to 40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per bank offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Block Lost/Stolen Card, Virtual Card View, Secure Login
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless, Automated Teller Machine (ATM) Withdrawal Toggle, Card PIN Reset, Report Lost/Stolen, View Virtual Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; limited 4-7 days; full liability beyond 7 days
WhatsApp supportYes