| Welcome benefit | Amazon voucher worth Rs 500 on spending Rs 1,000 within the first 30 days (application offer shown on the issuer page). |
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| Reward currency | YES Rewardz points (Rewards plan) or cashback (Cashback plan) |
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| Base earn | Rewards plan: 8 YES Rewardz points per Rs 200 on all spends except rental, wallet and fuel; Cashback plan: 1% cashback on all spends except rental and fuel |
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| Base return | 1% |
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| Point valueunverified | Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit |
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| Accelerated earn | Optional monthly subscription (Silver Rs 99 / Gold Rs 149 / Platinum Rs 249, plus GST; changeable every month): 10% cashback on the chosen merchants (earlier pass: 2, 3 or all 5 of Swiggy, Uber, PharmEasy, BigBasket, BookMyShow; the merchant list is not in the page text) |
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| Caps | Issuer page: Cashback plan capped at Rs 1,000 per statement cycle; subscription cashback max Rs 100 per merchant per statement cycle. Rewards plan: the page FAQ says reward points are capped at 600 per statement cycle, while the page footnote (and the MITC) apply the 600-point cap to utility spends (MCC 4900) only. |
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| Spends that earn nothing | Cashback plan: nothing on rental, wallet, utility, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI. Rewards plan: nothing on rental, wallet, fuel, government, marketing/advertising, cash withdrawals, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page). |
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| Points expiry | 3 years from earning |
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| Reward notes | Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct = 1% on the Cashback plan, which is issuer-stated rupee cashback, before the Rs 99 monthly fee and capped at Rs 1,000 a cycle. The Rewards plan (4 points per Rs 100) has no issuer-stated rupee value; at the aggregator's Rs 0.25 it is also about 1%. The monthly fee wipes out the return on spends below roughly Rs 5,000 to Rs 10,000 a month. |
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| Interest per month | 3.99% |
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| Late payment fee | Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement |
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| Cash advance fee | 2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit |
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| Eligibility | Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. |
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| Fine-print notes | Issuer product page read 12 Oct 2026: confirms the fee structure, 8 points per Rs 200 or 1% cashback, the 10% merchant cashback (max Rs 100 per merchant per cycle) and fuel waiver cap Rs 125. Conflicts: the 1% cashback cap is Rs 1,000 per cycle on the page (the MITC reading showed both Rs 500 and Rs 1,000); ITR criterion is Rs 7.5 lakh on the page (aggregator said Rs 5 lakh). The page itself is inconsistent on the Rewards-plan cap (FAQ: 600 points per cycle overall; footnote: 600 points on utilities). Domestic lounge access is advertised but no count appears in the page text. The page does not state the forex markup; 3.5% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way. |
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