YES Bank Credit Card Charges

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YES Credit Card Charges

**Disclaimer: YES Bank Credit Card is not a Bajaj Markets product.Offers would be from partner Banks/NBFCs only.

 

To make sure that you get to enjoy all the credit card features and benefits, YES Bank charges certain fees on their credit cards. It is important that you are aware of all the YES Bank credit card charges when transacting with the card. Below listed are details about what are the YES Bank credit card annual charges, late payment fees, YES Bank credit card international transaction charges, and more! 

Types of Fees and Charges on YES Bank Credit Card 

  • YES Bank Credit Card Annual Charges

These are the fees a cardholder needs to pay annually to keep the card active. In some cases, on exceeding certain spends in an annual year, cardholders can enjoy a waiver on YES Bank credit card annual fees.

  • YES Bank Credit Card Late Payment Charges

Every month, cardholders get a credit card statement mentioning details about the upcoming credit card bill payment, among other things. The statement also mentions a due date by which the credit card bill needs to be paid. In case the cardholder does not pay by the mentioned due date, he/she is charged with a small penalty in the form of late payment charges.

  • YES Bank Credit Card International Transaction Charges

These are charged when you use your YES card to transact internationally.

  • YES Bank Credit Card Overlimit Charges

These charges are applicable when the outstanding balance on your card is higher than the available credit card limit on your card.

  • YES Bank Credit Card Instant EMI Charges

As part of its privileges, most YES Bank credit cards offer instant EMI options. Now, you can convert transactions as low as ₹2,500 into instant EMIs using your card. An interest rate between 12%-15% is usually charged for this facility.

 

Detailed below are general charges you can expect on your YES card. Do note that some of these YES Bank credit card charges may vary depending on the card type. 

Category 

Amount

Joining Fees

₹399-₹1,499 depending on the card type

Annual Fees

₹399-₹1,499 depending on the card type

Cash Advance Fee

2.5% (minimum ₹300) of the amount withdrawn

Cash Advance Limit

Upto 30% of credit limit

Over-limit Fee

2.5% of over-limit amount or ₹500, whichever is higher

Late Payment Fee

  • Less than ₹101: Nil 

  • ₹101 to ₹500: ₹150 

  • ₹501 to ₹5,000: ₹500 

  • ₹5,001 to ₹20,000: ₹750

  • ₹20,001 & above: ₹1,000

Instant EMI Interest Rate

12%-15% per annum

Finance Charges

3.5% per month

Re-Issue of lost, stolen or damaged card/ Duplicate Statement 

₹100

Foreign Currency Markup

1.75%-3.50% depending on the card type

Priority Pass Lounge Charges (For cards issued with Priority Pass International Lounge Program) 

  • All lounge visits within India using Priority Pass: $27 + GST (per person, per visit)

  • All lounge visits outside India beyond complimentary cap: $27 + GST (per person, per visit)

  • All guest(s) (person accompanying the Priority Pass holder): $27 + GST (per person, per visit)

General Fees & Charges on Top 5 YES Bank Credit Cards

1. YES Premia Credit Card

First Year Membership Fee

₹999 + GST (waived on total retail spends of ₹25,000 within 90 days of card set up)

Renewal Membership Fee

₹999 + GST (waived on total retail spends of ₹1.5 lakh within 12 months prior to card renewal date)

Instant EMI Interest Rate

12%-15% per annum

2. YES Prosperity Edge Credit Card

First Year Membership Fee

₹399 + GST (waived on spends of ₹15,000 within 90 days of card set up)

Renewal Membership Fee

₹399 + Taxes (waived on retail spends of ₹75,000 within 12 months prior to card renewal date)

Instant EMI Interest Rate

12%-15% per annum

 3. YES FIRST Exclusive Credit Card

First Year Membership Fee

₹999 + GST (waived on spend of ₹75,000 in first 90 days of issuance)

Renewal Membership Fee

₹999 + GST (waived on spend of ₹4 lakh in the previous year)

Instant EMI Interest Rate

12%-15% per annum

4. YES First Preferred Credit Card

First Year Membership Fee

₹999 + GST (waived on spend of ₹50,000 in first 90 days)

Renewal Membership Fee

₹999 + GST (waived on spend of ₹2.5 lakh in previous year)

Instant EMI Interest Rate

12%-15% per annum

5. YES Wellness Credit Card

First Year Membership Fee

₹1,999 + GST

Renewal Membership Fee

₹1,999 + GST

Instant EMI Interest Rate

12%-15% per annum

FAQs on YES Bank Credit Card Charges

  • ✔️ What are the finance charges of YES Bank?

    The finance charge on YES credit cards are applicable at a rate of 3.5% per month. However, the number may vary depending on the type of YES credit card.

  • ✔️ What are the different fees & charges on YES credit cards?

    The YES Bank credit card annual charges and joining fees range from ₹399 to ₹1,499 depending on the card type. Other charges include a Cash Advance Fee of minimum 2.5% of the amount, a foreign currency markup of 1.75%-3.5% on YES Bank credit card international transaction charges, finance charges of 3.5%, and late payment charges of upto ₹1,000 depending on the amount. However, please note that the charges may vary from one credit card to another.

  • ✔️Are there any YES Bank credit card late payment charges?

    YES Bank credit card late payment charges are as follows:

    • Less than ₹101: Nil 

    • ₹101 to ₹500: ₹150 

    • ₹501 to ₹5,000: ₹500 

    • ₹5,001 to ₹20,000: ₹750

    • ₹20,001 & above: ₹1,000

  • ✔️How to avoid late fee charges on YES Bank Credit Card?

    To avoid late fee charges on YES Bank credit cards, make sure that you clear your dues on time. You can check your credit card bill payment date in the monthly statement. Make sure to clear all the pending dues on time to avoid paying any late payment charges.

  • ✔️Are there any international transaction charges on YES credit card?

    YES Bank charges a foreign currency markup of 3.5% on international transactions done on a credit card.