YES Bank Credit Card Charges

Q: 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

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Embarking on the journey of YES Bank Credit Cards brings a spectrum of features and privileges. However, understanding the associated fees and charges is crucial to maximize your credit card experience. Understand the intricacies of YES Bank Credit Card charges to make informed financial decisions and harness the full potential of your credit card.

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.

Fees and Charges

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	Starting from ₹399 (excluding GST)
Annual Fees	Starting from ₹399 (excluding GST)
Cash Advance Fee	2.5% (minimum ₹300)
Cash Advance Limit	Up to 30% of credit limit
Overlimit Fee	2.5% of the 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
Finance Charges	Starting at 1.49% 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)

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What are the finance charges of YES Bank?

The finance charges on YES Bank Credit Cards are applicable at a rate of 3.5% per month. However, the number may vary depending on the type of YES Bank Credit Card.

What are the different fees & charges on YES Bank Credit Cards?

The YES Bank Credit Card annual charges and joining fees range from ₹399 to ₹1,999 depending on the card type. Other charges include a Cash Advance Fee of a minimum of 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 up to ₹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 Bank Credit Card?

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

What are the finance charges on YES Bank Credit Cards?

The finance charge for YES Bank Credit Cards is 3.5% per month. However, this rate may vary based on the specific type of YES Bank Credit Card.

How can one avoid late fee charges on YES Bank Credit Cards?

To prevent late fee charges, ensure timely payment of your YES Bank Credit Card dues. Refer to your monthly statement for the credit card bill payment date and clear all pending dues promptly.

Are there international transaction charges on YES Bank Credit Cards?

YES Bank Credit Cards incur a foreign currency markup of 3.5% on international transactions.

Are there any charges for reissuing a lost, stolen, or damaged YES Bank Credit Card or duplicate statement?

The YES Bank charges ₹100 for the issuance of a lost, stolen, or damaged credit card, as well as for obtaining a duplicate statement. Make sure to keep this in mind if you need to replace your card or statement for any reason.