Fees
Annual feeINR 4,999 + GST
Joining feeINR 9,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverAnnual fee waived on INR 10 lakh spend in a year
Spend waiverNo spend-based fee waiver
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 100 - INR 1,300 based on outstanding amount
Forex markup1%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 500 effective June 15, 2026)
Eligibility
Min income (salaried)INR 3 lakh per annum (p.a.) Income Tax Return (ITR) or INR 36 lakh Income Tax Return (ITR) annually
Min income (self-emp.)INR 36 lakh/year Income Tax Return (ITR)
Credit score750 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate36 Reward Points per INR 200 on online spends (4.5% value-back on online)
Cashback %NA (reward points based)
Cashback cap1,00,000 Reward Points per month cap
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, Air Miles / Airline Conversion, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge6 visits/quarter (24/year); requires INR 1 lakh quarterly spend from April 2025
International loungeUnlimited (Self + Add-on); 4 guest visits/year via Priority Pass + MasterCard Lounge
Lounge conditionsYes - INR 1 lakh spend in preceding quarter for domestic lounge
Insurance coverageYes
Hotel/flight offersYes - partner hotel/flight offers; 15%+ off via YES Dining Fiesta; airport transfers
ConciergeYes - YES Assist concierge (flights, hotels, restaurants, golf tee-times)
Forex waiver1% (lowest among YES Bank consumer cards)
Lifestyle
Dining discountsYes - min 15% off at 1,000+ YES Dining Fiesta restaurants; Buy One Get One (BOGO) movies via BookMyShow (3/month, up to INR 800 off 2nd ticket)
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 3,000 per fueling (standard tier; bands restructured Jun 15, 2026)
OTT subscriptionsYes - ETPrime voucher worth INR 3,199 on joining
E-commerce offersYes - exclusive online partner offers
Credit limit & EMI
Default limitINR 5 - INR 10 lakh (based on profile)
Max limitINR 20 lakh+ (no fixed cap)
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 - 6 months insurance on mobiles/electronics purchased online (up to INR 50,000)
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