v3.

The “Most Important Terms and Conditions” (“MITC”) are applicable to all Credit Cards/ Cardmembers/
applicants of Credit Card/ Customers of YES BANK/ members of the general public evincing interest in
the Credit Card product of YES BANK. The MITC are subject to change at the discretion of YES BANK
and in accordance with laws as applicable from time to time and they are in addition to and are to be
read along with the terms and conditions of Cardmember Agreement (“Cardmember Agreement”).
In case of any inconsistency between MITC and the Cardmember Agreement, the Cardmember
Agreement shall prevail, unless otherwise specified hereunder.

All capitalized terms used herein but not defined here, shall have the meaning given to them under the
Cardmember Agreement.

1. Fee and Charges

A. Annual Membership Fee
Annual Membership Fee is applicable on the Primary Credit Card. These fees may vary depending on
the offer under which YES BANK Credit Card has been availed of by the Cardmember. The same is
communicated to the Cardmember at the time of Credit Card application. These fees, including fees
for any Add-on Cardmember(s), as applicable, are billed to the Cardmember’s Credit Card account on
issuance/renewal and the same will reflect in the Credit Card statement of the month in which it is
billed.No refund of fees will be applicable on closure of Credit Card.
B. Cash Advance Fee
The Cardmember can use the Credit Card to access cash round the clock from ATMs in India or
abroad. A transaction fee of 2.5% (Minimum ₹300) would be levied on the amount withdrawn and
would be billed to the Cardmember in the next monthly statement. The transaction fee is subject to
change at the sole discretion of YES BANK. All cash advance transactions also carry a finance charge
equal to charge on revolving credit (please refer Schedule of Charges) from the date of withdrawal
until the date of full payment. Applicable finance charge is subject to change at the sole discretion of
YES BANK.
C. Other Charges
• Fees and charges, as may be applicable from time to time, are payable by Cardmember for specific
services provided by YES BANK to the Cardmember or for defaults committed by the Cardmember
with reference to his/ her card account.
• Late Payment charges will be applicable if Minimum
Statement Balance Late Payment Charges
Amount Due is not paid by the payment due date.
effective 15th June 2021
Clear funds need to be credited to YES BANK Credit
Card account on or before the payment due date, to Less than ₹101 Nil
avoid Late Payment charges. Late payment charges ₹101 - ₹ 500 ₹150
are applicable as: ₹501 - ₹5,000 ₹500
• Please be advised that applicable Indirect Taxes ₹ 5,001 - ₹20,000 ₹750
including Goods and Services Tax (GST) would be ₹20,001 & above ₹1,000
levied on all fees and charges and any other amount
liable to tax under prevailing Indirect Tax. (Goods
and Services Tax (GST) is applicable from 1st July
2017 onwards).
• YES BANK retains the right to alter any fees charges from time to time or to introduce new fees or
charges, as it may deem appropriate. Such changes will be made with prospective effect giving notice
of at least 30 days.
D. Interest Free Period
Cardmember can avail interest free credit period of up to 50 days subject to the scheme applicable
on the specific Credit Card (please refer to the Schedule of Charges as annexed herein). However,
Interest free period is not applicable if the previous month’s statement balance has not been cleared in
full on or before the due date. The same will also not be applicable if the Cardmember has withdrawn
cash from ATM.
Illustrative Example for Interest Free Credit Period Calculation:
Let us assume that the payment due date for a Credit Card falls on 25th May, and previous month’s

1
dues have been paid in full, the grace period would be:
1. For a purchase dated 6th April, interest free credit period is 6th April to 25th May= 50 days.
2. For a purchase dated 17th April, interest free grace period is 17th April to 25th May = 39 days.
2. Limits
• YES BANK, at its sole discretion will determine the Cardmember’s Credit limit and cash withdrawal
limit (Add-on Cardmembers share the same limit as that of the Primary Cardmember). Credit limit
is the maximum amount, which can be outstanding against the Credit Card account at any given
time. These limits are duly communicated to the Cardmember at the time of card delivery and through
the monthly statements. The available credit limit at the time of the statement generation is provided as
part of the monthly statement as well. Cash Advance Limit is the maximum amount of cash or equivalent
of cash as defined or prescribed by YES BANK, that the Cardmember can use on his/her Credit Card
Account. Cash Limit is part of the Cardmember’s Credit Limit. Please refer Schedule of Charges to
know applicable Cash Advance Limit.
• As a service gesture, YES BANK may approve certain transactions attempted by the Cardmember,
which are over and above the credit limit. However, an over limit charge of 2.5% of the over limit
amount or ₹500 (whichever is higher) will be levied on the Credit Card account.
• YES BANK will review the Cardmember’s Credit Card account periodically. YES BANK, at its sole
discretion, may decrease the Cardmember’s credit limit based on internal criteria. Bank will inform
Cardmember for the same immediately including the reason thereof by SMS/email / confirmation in
writing.
• Cardmember seeking to have their credit limit increased can do so by writing to YES BANK and
providing financial documents declaring Cardmember/s income. YES BANK, at its sole discretion and
based on such new documents provided, may increase the Cardmember’s Credit Limit.
• Usage of the Credit Card shall be deemed as acceptance of the credit limits granted from time to
time.
3. Finance Charges
• Finance charges are payable at the monthly percentage rate on all transactions from the date of
transaction in the event of the Cardmember choosing not to pay his balance in full, and on all cash
advances taken by the Cardmember, till they are paid back. Finance charges, if payable, are debited
to Cardmember’s account till the outstanding on the card is paid in full.
• Finance charges on cash advances are applicable from the date of transaction until the payment is
made in full.
• When the Cardmember carries forward any outstanding amount or avails of Cash Advance, a finance
charge calculated by average Daily Balance Method, will apply to balances carried forward and to
fresh billings, till such time the previous outstanding amounts are repaid in full.
• Please note that the Finance charges and other charges are subject to change at the discretion of
YES BANK.
Please refer to following illustration for understanding the calculation of finance charges on
revolving credit:
Date Transaction Amount
2nd June Purchase of Apparel ₹5000
14th June Purchase of Grocery ₹1000
Total Amount Due = ₹6000, Minimum
20th June Statement date
Amount Due = ₹300
10th July Payment realised on the card account ₹1000 (Credit)
14th July Purchase of groceries ₹1000
Total Amount Due = ₹6377.47,
20th July Statement date
Minimum Amount Due = ₹318.87
It’s assumed that the Cardmember has paid all previous dues in full and does not have an amount
outstanding in his/her YES BANK Credit Card Account. Cardmember’s statement date is 20th of every
month. The following is the list of transactions Cardmember has done on his / her account. On the
statement dated 20th July, the following will reflect as the components of the total amount payable by
the cardmember:
Interest calculated = (outstanding amount X 3.50% p.m X 12 months X no of days)/365
a) Interest on ₹5000 @ 3.5% p.m from 2nd June to 9th July (for 38 days) = ₹218.63
Interest on ₹1000 @ 3.5% p.m from 14th June to 9th July (for 26 days) = ₹29.92
Interest on ₹5000 @ 3.5% p.m from 10th July to 20th July (for 11 days) = ₹63.29

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 Interest on ₹1000 (fresh spends) @ 3.5% p.m from 14th July to 20th July (for 7 days) = ₹8.05
Total Interest = ₹319.89
b) Goods and Services Tax (GST) @ 18% on the interest amount = ₹57.58
c) Total Principal amount outstanding = ₹6000 (₹1000 fresh spends and balance ₹5000 outstanding
from last month’s billing period)
Hence Total Amount Due = (a) + (b) + (c) = ₹6377.47
4. Billing
• YES BANK will send Cardmember a monthly statement showing the payments credited to and
the transactions debited from the card account since the last statement. YES BANK will mail / email
a statement of transactions in the card account every month on a pre-determined date, to the
mailing address / email address on record with YES BANK. If the balance outstanding is less than
₹100, and there is no further transaction pending billing since the last statement, no statement will
be issued.
• YES BANK Credit Cards offer the Cardmember the facility of revolving credit. The Cardmember
may choose to pay only the Minimum Amount Due (MAD), Total Amount Due (TAD) or any part of
the Total Amount Due above MAD as mentioned in the Credit Card statement. The balance
outstanding can be carried forward to subsequent statements. Such payment should be made
before the Payment Due Date (PDD). Clear funds need to be credited to the YES BANK card
account on or before Payment Due Date to avoid Late Payment Charges. Cardmembers are advised
to drop local cheques well in advance to the Payment Due Date to ensure payment reflects on the
card account within the Payment Due Date.
• Current Minimum Amount Due is calculated as 5% of the balance outstanding or ₹200 (whichever
is higher), added with all applicable taxes and EMI (only in case of EMI based products). In case
the balance outstanding is less than ₹200, the same becomes Minimum Amount Due. Any unpaid
Minimum Amount Due of the previous statement will be added to the Cardmember’s current Minimum
Amount Due in addition to the outstanding exceeding the Cardmember’s Credit Limit.
• Payments made towards the Credit Card outstanding are acknowledged in subsequent statements.
• Payments received against the Cardmember’s card outstanding will be adjusted against Goods and
Services Tax (GST), Membership Fees, Interest Charges, Service Charges and Other Fees, Principal
Balance from last cycle and Current Cycle Purchases, in that order.
• Payments towards the card account may be made in any of the following ways:
o In case a Cardmember has a YES BANK account, he / she can make the payment through Net
banking, YES Mobile app and / or YES BANK ATMs. Such Cardmembers can also opt for a
standing instruction facility, where funds will be automatically transferred from Cardmember’s
YES BANK account to Cardmember’s Credit Card account on due date.
o Cardmember can make payment through NEFT fund transfer mode from other Bank account
(use IFSC code YESB0CMSNOC), or payment through Billdesk facility using other Bank’s net
banking account.
o Cardmember can also make payment by dropping the payment instrument (Cheque or Draft) into
any of the YES BANK Credit Card drop boxes placed in YES BANK branches and ATMs. The
cheque / draft should be made payable to YES BANK Credit Card number
XXXX XXXX XXXX XXXX.
o Cardmember can also make payment through Cash payments in YES BANK branches. Please
refer Schedule of Charges for applicable charge for cash payments in Credit Card account.
• In case of any change in Cardmember’s communication address / email address, Cardmember is
advised to contact and update the same with YES BANK immediately to ensure that the Cardmember
receives statements regularly on time.
• Statement / billing disputes: All the contents of the statement will be deemed to be correct and
accepted if the Cardmember does not inform YES BANK of the discrepancies within 60 days of
statement date, in writing. On receipt of such information, YES BANK may reverse the charge on
temporary basis pending investigation. If on completion of subsequent investigations, the liability
of such charges is to the Cardmember’s account, the charges will be reinstated in the subsequent
statement along with the associated retrieval request charges.
• Please note that making only the minimum payment every month would result in the repayment
stretching over years with consequent interest payment on your outstanding balance.
• The Cardmember can contact YES BANK Credit Cards for making any enquiries in relation to the
billing and statement disputes
o Over phone: 24x7 YES TOUCH Customer Care Number: 1800 103 1212/ 022 – 4935 0000

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 o Through mail: YES BANK Limited, Kosmo One Tower, Plot No 14, 3rd Main Road, Ambattur
Industrial Estate, Ambattur, Chennai – 600058.
o By email: [email protected]
5. Default and Circumstances
If the Cardmember does not pay at least Minimum Amount Due by the Payment Due Date, the account
will be reported as ‘overdue’ in the monthly submissions to the credit bureaus authorized by Reserve
Bank of India (RBI). Non-payment of at least the MAD may lead to disruption of Credit Card services.
Cardmember will be reminded in subsequent statements to pay his/her dues. If Cardmember makes
requisite payments, his/her record will be updated as ‘current’ in the next monthly refresh to the credit
bureau.
In the event of default, the Cardmember will be sent reminders from time to time for settlement of any
outstanding on the card account, by suitable communication channels and/or engaging third parties
to remind, follow up and collect dues. Any third party so appointed, shall adhere fully to the code of
conduct on debt collection.
6. Right of Lien
YES BANK, at any time and without notice, will have lien and right to set-off on all amounts belonging
to the Cardmember and/or Add-on Cardmember standing to their credit in any account/ custody of
YES BANK, if upon demand by YES BANK, the balance amount on the card account is not repaid
within the prescribed time.
7. Termination/Revocation of the Card Membership
• Cardmember may terminate the card membership at any time by writing to YES BANK at the
following address: YES BANK Limited, Kosmo One Tower, 2nd floor, Plot No 14, 3rd Main Road,
Ambattur Industrial Estate, Ambattur, Chennai - 600058 along with the card(s) cut diagonally to
minimum 4 pieces. All the cards, including the add-on cards, will be terminated basis the written
request. Termination will be effective only after receipt of the cut cards and payment of all amounts
outstanding to the card account. No annual, joining or renewal fees shall be refunded on a pro-rata
basis.
• Incase YES BANK notices unusual and abnormal transaction patterns in the use of the Credit Card,
YES BANK will try to establish contact with the Cardmember on the registered phone number of the
Cardmember available on its records to verify the validity of the card transaction.
• Failure on the part of YES BANK to establish contact with the Cardmember, YES BANK may restrict
/terminate the use of the Credit Card without any further notice, if YES BANK reasonably believes
that it is necessary in the interest of the Cardmember and /or for security reasons.
• YES BANK can suspend the facility on the Credit Card, if the Cardmember defaults on payment
due or exceeds the credit limit extended. The Credit Card must not be used after the Please
check if validity period is mentioned in the Agreement or if the card account is suspended. In such
a situation, Cardmember must (subject to any default or other notice required by law) immediately
pay YES BANK the total outstanding balance on the Credit Card Account. This includes all amounts
due to YES BANK under the Cardmember Agreement including all transactions and other amounts
not yet charged to the Credit Card Account. The Credit Card will not be considered as closed until
the Cardmember has paid all such due amounts in full.
• The death or incapacitance of a Cardmember shall automatically cancel the Credit Card issued to
the Cardmember as well as any Add-on Cardmembers. The Credit Card Account would also be
liable to be suspended on instructions from any government/regulatory body. All amounts
outstanding on the Credit Card Account shall be deemed to have immediately become due on
death or incapacitance as the case may be, and YES BANK shall be entitled to recover the same
in accordance with the relevant laws in force without prejudice to the obligation of the Cardmember
to forth with pay all outstanding amounts.
8. Loss/ Theft/ Misuse of Card
• The Cardmember must notify the same on our 24x7 YES TOUCH Customer Care Number (As
mentioned on the last page) immediately if the Primary or any Additional Credit Card is misplaced,
lost, stolen, mutilated, not received when due or if he/she suspects that the Credit Card is being
used without Cardmember’s permission.
• Cardmember must notify the bank of any unauthorised electronic banking transaction at the earliest
after the occurrence of such transaction since longer the time taken to notify the bank, the higher
will be the risk of loss to the bank/ Cardmember.
A. Limited Liability of a Customer
Cardmember shall be liable for the loss occurring due to unauthorized transactions in the following cases:

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• Where the loss is due to negligence by a customer, such as where he has shared the payment
credentials, the customer will bear the entire loss until he reports the unauthorised transaction to
the Bank.
• Where the responsibility for the unauthorised electronic banking transaction lies neither with the
Bank nor with the customer, but lies elsewhere in the system and when there is a delay (of four to
seven working days after receiving the communication from the Bank) on the part of the customer
in notifying the Bank of such a transaction, the per transaction liability of the customer shall be
limited to the transaction value or the amount mentioned in Table 1, whichever is lower.

Table 1
Type of Account Maximum liability (₹)
Credit cards with limit up to ₹5 lakh ₹10,000
Credit cards with limit above ₹5 lakh ₹25,000
Overall liability of the customer in third party breaches, where the deficiency lies neither with the Bank
nor with the customer but lies elsewhere in the system, is summarised in the Table 2:
Table 2
Summary of Customer’s Liability
Time taken to report the fraudulent
transaction from the date of receiving the Customer’s liability (₹)
communication
Within 3 working days Zero liability
The transaction value or the amount mentioned
Within 4 to 7 working days
in Table 1, whichever is lower
Beyond 7 working days Full transaction value (Zero liability for BANK)

• The number of working days mentioned in Table 2 shall be counted as per the working schedule of
the home branch of the customer excluding the date of receiving the communication.
• Given the Cardmember has met the criteria mentioned above in case of loss and theft of the Credit Card,
the Cardmember also needs to report the theft to the Police, lodge an FIR and submit acknowledgement
copy of police complaint to the bank.
• The Cardmember will be liable for all losses in case of misuse of the card by someone who obtained
the PIN or the card with the consent of Cardmember or Add-on Cardmember.
• If the Cardmember has acted fraudulently, the Cardmember will be liable for all losses. If the
Cardmember acts without reasonable care, the Cardmember may be liable for all losses incurred.
• YES BANK may, without referring to the Cardmember or any Add-on Cardmember, give the police
or other relevant authorities any information that YES BANK considers relevant about the loss, theft
or misuse of a Card or PIN.
• Once a card is reported lost, it should not, under any circumstance be used if found by the Cardmember
subsequently. Please destroy the card by cutting it into several pieces through the magnetic strip and
EMV Chip.
• The PIN (Personal Identification Number) issued to the Cardmember for use with the Credit Card or
any number chosen by the Cardmember as a PIN should be known only to the Cardmember. It is for
the personal use of the Cardmember and it is non-transferable and strictly confidential. A written record
of PIN should not be kept in any form, place or manner that may facilitate its use by a third party. The
PIN should not be disclosed to any third party, either to staff of YES BANK or to merchant establishment,
under any circumstances or by any means, whether voluntary or otherwise. YES BANK and/or its
staff/ employees shall not be responsible or liable for any compromise with the PIN by the
Cardmember.
9. Grievance Redressal
If Cardmember is not satisfied with YES BANK’s services and / or response given by any of YES
BANK’s access channels, Cardmember can call the Bank at 1800 103 1212 (Toll Free) / 022 4935
0000 or send an email to [email protected]. For any escalations, Cardmember can contact
YES BANK’s principal nodal officer Ms. Shefali Singh Moza, YES BANK Ltd, YES BANK Tower,
One International Center, Tower II, 5th Floor, Elphinstone (W), Mumbai – 400013, email: principal.
[email protected] or call 022 3948 9374 between 9:30 AM and 5:30 PM Monday to Friday.

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In the event that Cardmember does not receive response within 1 (one) month from the date he/she
represented his/ her complaint to the above mentioned channels, or if a Cardmember is dissatisfied
with the response given, Cardmember can write to Banking Ombudsman for an independent review.
Please visit the grievance redressal webpage on www.rbi.org.in for more details on the Banking
Ombudsman scheme.
10. Disclosure & Important Regulatory Information
• The Cardmember acknowledges that as per existing business practices, the Bank can disclose
from time to time any information relating to the Credit Card(s), to any credit bureau (existing or
future) without any notice to the Cardmember.
• The Credit Card that the Cardmember holds is subject to upgrade / downgrade based on the
Cardmember’s eligibility and Bank’s discretion. This is also extended, and not limited to, modification
of the Credit Limit that the cardmember has been assigned.
• The Credit Information Bureau India Limited (CIBIL) is an initiative of the Government of India and
Reserve Bank of India to improve the functionality and stability of the financial system. All Banks
and Financial Institutions participating in this initiative are required to share customer data with
CIBIL / other credit bureaus and this information is being provided in the terms of the Credit Information
Companies Regulation Act, 2005. In view of this we wish to inform the Cardmember that YES BANK can
disclose any information relating to credit card(s) default by the Cardmember to CIBILand to any other credit
bureau (existing and future) in case the card payment is overdue, with due notice.Any refresh / updation of
data on receipt of payment towards overdue card accounts will reflect in CIBIL/ other credit bureaus within
a period of 60 days from the date of receipt of payment by YES BANK.
• YES BANK reserves the right to report delinquent Cardmember to bureau even in the instance of
Cardmember raising a billing dispute, which YES BANK has clarified as an invalid dispute earlier
or raised by the Cardmember after the cut-off time for such disputes as defined by YES BANK
and / or the dispute is in relation to transactions where a PIN or a One Time Password was used.
• YES BANK also reserves the right to assign any activities related to the Credit Card operations to any service
provider appointed by YES BANK, whether located in India or overseas and whether a YES BANK group
entity or a third party, at its sole discretion, in accordance with the applicable guidelines of the Reserve Bank
of India (RBI). YES BANK can provide / share details of Cardmember(s) account / application to such
service providers for any activities related to the credit card operations without any specific consent.
• We also wish to inform the cardmember that YES BANK will, at its own discretion, record specific
conversations between the Cardmember and representative of YES BANK, in case of grievance –
related conversation or payments recovery – related conversation or any other conversation, that
YES BANK may deem fit.
• Select Credit Card variants have a complimentary insurance cover on the card. The policy coverage starts
from the date of the Credit Card setup. For more information and claim related queries on the Insurance
benefit extended to the cardmember as per the product construct, Cardmember may call us at 1800 103
1212 (Toll Free) / 022 49350000 or send an email to [email protected].
• From time to time, YES BANK communicates various features / products / promotional offers
which offer significant benefits to the Cardmembers and may use services of third party agencies
to do so. If a Cardmember does not wish to be informed about such benefits through telephone
calls / SMS, he / she can subscribe for the “Do Not Call” service. Please call customer service or
visit www.yesbank.in to subscribe for “Do Not Call’ service.
• YES BANK Credit Card transactions outside India must be made strictly in accordance with Exchange
Control Regulations of the Reserve Bank of India and the Foreign Exchange Management Act,
1999. Cardmember resident in India is notifies that collecting and effecting / remitting payments
directly / indirectly outside India in any form towards overseas foreign exchange trading through
electronic / internet trading portals is prohibited and a cardholder making such transactions would
make himself / herself / themselves liable to be proceeded against with for contravention of the
Foreign Exchange Management Act (FEMA), 1999 besides being liable for violations of regulations
relating to Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards. Any
violation of the Exchange Control Regulations arising out of utilization of YES BANK Credit Card is
the sole responsibility of the individual YES BANK Credit cardmember.
• International Credit Cards cannot be used on the internet or otherwise for the purchase of prohibited
items such as lottery tickets, banned or proscribed magazines, participation in sweepstakes,
payment for call back services and / or such items / activities for which no withdrawal of foreign
exchange is permitted.

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 Schedule of Charges
YES Premia / YES Prosperity Edge / YES Prosperity Rewards Plus
Description of YES Prosperity Rewards / YES Prosperity Cashback / YES Prosperity Cashback
Charges Plus / YES Prosperity Edge for NRI / YES Premia issued against FD / YES
Prosperity Rewards Plus issued against FD / YES Prosperity Business
Joining Fee NIL
YES Premia, YES Premia issued against FD: ₹1,599
Annual YES Prosperity Edge, YES Prosperity Edge for NRI: ₹1,199
Membership YES Prosperity Rewards Plus, YES Prosperity Rewards Plus issued against FD: ₹499
Fee (First Year
YES Prosperity Rewards: ₹299 YES Prosperity Cashback: ₹999
& Renewal) [Not
YES Prosperity Cashback Plus: ₹1,499 YES Prosperity Business: ₹2,499
applicable in
case of Life time (For first year, the fee will be charged in case of customer not achieving the
free cards] spend condition mentioned below, if applicable. For every renewal, Annual Fee is
charged in the first statement post renewal, if applicable)
1. Spend ₹25,000 within first 90 fee from card issuance
YES Premia, YES
date and get 1st year membership waived
Premia issued
2. Spend ₹1,50,000 in a year and get waiver on renewal
against FD
membership fee for the subsequent year
1. Spend ₹15,000 within first 90 fee from card issuance
YES Prosperity Edge,
Spend Condition date and get 1st year membership waived
YES Prosperity Edge
for waiver of 2. Spend ₹75,000 in a year and get waiver on renewal
for NRI
Annual Charges membership fee for the subsequent year
(Only applicable YES Prosperity 1. Spend ₹10,000 within first 90 fee from card issuance
on retail spend Rewards Plus, YES date and get 1st year membership waived
transaction) Prosperity Rewards 2. Spend ₹50,000 in a year and get waiver on renewal
Plus issued against FD membership fee for the subsequent year
1. Spend ₹5,000 within first 90 fee from card issuance
YES Prosperity date and get 1st year membership waived
Rewards 2. Spend ₹25,000 in a year and get waiver on renewal
membership fee for the subsequent year
YES Prosperity Business, YES Prosperity Cashback,
YES Prosperity Cashback Plus: Not Applicable
Interest Free
Up to 50 days
Period
Minimum Amount Annual Membership Fee + Any EMI amount + GST + Minimum 5% of total
Due (MAD) payment due as per the current statement or ₹200, whichever is higher
Cash Advance
Up to 30% of the Credit Limit
Limit
Supplementary /
NIL (Maximum up to 3 add-on cards can be issued)
Add-on Card fee
Finance Charges
YES Premia / YES Prosperity Edge / YES Prosperity Rewards Plus / YES
on Revolving
Prosperity Rewards / YES Prosperity Cashback / YES Prosperity Cashback Plus
Credit, on cash
/ YES Prosperity Edge for NRI / YES Prosperity Business: 3.50% p.m. (42.00%
advance and/
Annualized) YES Premia issued against FD / YES Prosperity Rewards Plus issued
or on overdue
against FD: 3.00% (36.00% Annualized)
amount
Statement Balance Late Payment Charges Late Payment Charges
Till 14th June’21 W.e.f. 15th June’21
Late Payment
<= ₹100 NIL NIL
Charges (LPC)
(Per Statement, ₹101 - ₹500 ₹100 ₹150
as per statement ₹501-₹5000 ₹400 ₹500
balance) ₹5001 - ₹20,000 ₹500 ₹750
>₹ 20,000 ₹700 ₹1000
Over limit Fee 2.5% of over limit amount or ₹500, whichever is higher
Cash Advance Fee 2.5% of amount withdrawn or ₹300, whichever is higher

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 Payment Return
Charges: ₹350 (Per instance of cheque or Auto Pay Return)
Cheque/ Auto Pay
Reward ₹100 per redemption request
Redemption Fee
Fuel surcharge 1% waiver, valid for transaction between ₹400 to ₹5,000 only.
waiver across all Maximum Surcharge waiver per statement cycle: YES Prosperity Business: ₹500
fuel station in India YES Premia / YES Premia issued against FD / YES Prosperity Edge/ YES Prosperity
(GST levied on Edge for NRI: ₹250 YES Prosperity Rewards Plus / YES Prosperity Rewards Plus issued
Fuel Surcharge will against FD / YES Prosperity Rewards / YES Prosperity Cashback / YES Prosperity
not be reversed) Cashback Plus: ₹125
Re-Issue of
lost, stolen or ₹ 100 (per reissuance)
damaged card
YES Prosperity Rewards Plus / YES Prosperity Rewards Plus issued against FD / YES
Foreign Currency
Prosperity Rewards / YES Prosperity Cashback / YES Prosperity Cashback Plus: 3.40%
Conversion
YES Premia / YES Premia issued against FD / YES Prosperity Business: 2.50%
Charges
YES Prosperity Edge / YES Prosperity Edge for NRI: 3.00%
Duplicate
Statement
₹ 100 per statement
(Statement older
than 6 months)
All lounge visits within India using Priority Pass will be charged at $27 + GST per
person per visit. All lounge visits outside India beyond complimentary cap will be
Priority Pass
charged at $27 + GST per person per visit. Please refer to product features of the
Lounge Charges
card on website for details. All guest(s) (person accompanying the Priority Pass
holder) will be charged at $27 + GST per person per visit.
Charges on
purchase or As prescribed by IRCTC / Indian Railways
cancelation of
Railway Tickets
Cash deposit at
YBL Branches ₹100
towards Credit
Cards repayment
TDS on With effect from 1st September 2019, TDS @ 2% is applicable on aggregate
withdrawals cash withdrawals exceeding ₹1 Cr from accounts and cards, in a particular
above ₹1 crore financial year
Goods and
Services Tax 18% (Applicable on all fee and charges)
(GST)

YES BANK LIMITED

Kosmo One Tower, No 14, 3” Main Road, Ambattur Industrial Estate, Ambattur, Chennai - 600058

24x7 YESTOUCH Customer Care Numbers:

1800 103 1212 (Toll Free For Mobile & Landlines in India)
+91 22 4935 0000 (When calling from Outside India)

Website: www.yesbank.in
E-mail Address: [email protected]

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