Fees
Annual feeINR 2,499 + GST
Joining feeINR 2,499 + GST
Renewal feeINR 2,499 + GST
Fee waiverJoining fee waived on INR 40,000 spend within 90 days; Renewal fee waived on INR 3 lakh spend in previous year
Spend waiverSpend INR 2,50,000 in 12 months
Interest rate1.99% per month (23.88% 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)INR 1.5 lakh/month
Min income (self-emp.)INR 12 - INR 20 lakh/year Income Tax Return (ITR)
Credit score750 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate24 Reward Points per INR 200 on online spends (3% value-back online)
Cashback %NA (reward points based)
Cashback capAs per YES Rewardz programme caps
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, Air Miles, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge3 visits/quarter (12/year)
International lounge6 visits/year via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersYes - exclusive hotel partner rates; golf privileges (1 lesson + 4 green fee waivers/year)
ConciergeYes - YES Assist concierge
Forex waiver1.75% (partial waiver vs standard 3.5%)
Lifestyle
Dining discountsYes - YES Dining Fiesta: min 15% off at 1,000+ restaurants
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 3,000 per fueling (standard tier; bands restructured Jun 15, 2026)
OTT subscriptionsYes - select partner subscriptions (varies by offer)
E-commerce offersYes - exclusive online partner offers
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 10 - INR 20 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 protectionYes - 6 months insurance on mobiles/electronics 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