Fees
Annual feeINR 2,499 + GST
Joining feeINR 2,499 + GST
Renewal feeINR 2,499 + GST
Fee waiverJoining fee waived on INR 25,000 spend within 90 days; Renewal waived on INR 3 lakh spend in previous year
Spend waiverSpend INR 2,50,000 in 12 months
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 100 - INR 1,300 based on outstanding amount
Forex markup1.75%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 500 effective June 15, 2026)
Eligibility
Min income (salaried)Self-employed only; Income Tax Return (ITR) INR 10 lakh/year minimum
Min income (self-emp.)INR 9 - INR 12 lakh/year Income Tax Return (ITR) (self-employed, proprietors, partners)
Credit score750 or above (CIBIL)
Age range21 to 60
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rate16 Reward Points per INR 200 on travel, dining, and business categories
Cashback capAs per YES Rewardz programme
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, Air Miles, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge2 visits/quarter (8/year)
International lounge6 visits/year via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersYes - travel discounts; AWFIS co-working 2 hrs/quarter (complimentary); automobile assistance (roadside, towing)
ConciergeYes - YES Assist concierge (flights, hotels, restaurants, gifts)
Forex waiver1.75% (partial)
Lifestyle
Dining discountsYes - YES Dining Fiesta: min 15% off at 1,000+ restaurants
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 5,000 per fueling (First Preferred/Business tier; bands restructured Jun 15, 2026)
OTT subscriptionsNo
E-commerce offersYes - partner merchant offers
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 10 lakh+ (based on business financials)
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 protectionYes
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Raise Service Requests, Spend Analyzer, Block Lost/Stolen Card, Virtual Card View, Secure Login, Add-on Card Management
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless, Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen, View Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, 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