Yes Bank Credit Cards

[Sushubh]

Dear Customer,
We wish to inform you that effective 15th October 2025, charges on your YES BANK Credit Card are being revised:
1. Fuel Transaction Charge: 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Fee will be capped at INR 5,000 per transaction.
Category Merchant Category Codes (MCC)
Fuel 5172, 5541, 5542, 5983, 9752
Note: The Merchant Category Codes (MCC) are set by the network (Visa, MasterCard, RuPay), not by YES BANK.
Illustration:
Fuel Transaction of INR 9,000 will not attract any fee as it is below the threshold.
Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + GST as it is above the threshold.
2. Tolls/bridges Transaction Charge: 1% fee + applicable GST will be levied on every tolls/bridges transaction of value greater than INR 10,000. Fee will be capped at INR 5,000 per transaction.
Illustration:
Tolls/bridges Transaction of INR 9,000 will not attract any fee as it is below the threshold.
Tolls/bridges Transaction of INR 20,000 will attract 1% fee of INR 200 + GST as it is above the threshold

Personal Banking MITC (Most Important Terms & Conditions) for your Credit Card - YES BANK

 

[Sushubh]

Reminder Regarding Your Credit Card Charges
Dear Customer,
We wish to remind you that effective 15th October 2025, charges on your YES BANK Credit Card are being revised:
1. Fuel Transaction Charge: 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Fee will be capped at INR 5,000 per transaction.
Category Merchant Category Codes (MCC)
Fuel 5172, 5541, 5542, 5983, 9752
Note: The Merchant Category Codes (MCC) are set by the network (Visa, MasterCard, RuPay), not by YES BANK.
The above list of MCCs is not exhaustive and is only indicative in nature with reference to restricted categories.
Illustration:
Fuel Transaction of INR 9,000 will not attract any fee as it is below the threshold.
Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + GST as it is above the threshold.
2. Tolls/bridges Transaction Charge: 1% fee + applicable GST will be levied on every tolls/bridges transaction of value greater than INR 10,000. Fee will be capped at INR 5,000 per transaction.
Category Merchant Category Codes (MCC)
Tolls and bridges 4784
Note: The Merchant Category Codes (MCC) are set by the network (Visa, MasterCard, RuPay), not by YES BANK.
The above list of MCCs is not exhaustive and is only indicative in nature with reference to restricted categories.
Illustration:
Tolls/bridges Transaction of INR 9,000 will not attract any fee as it is below the threshold.
Tolls/bridges Transaction of INR 20,000 will attract 1% fee of INR 200 + GST as it is above the threshold

 

[Sushubh]

In line with our commitment to safeguarding your financial interests, the Bank has implemented additional risk control measures on select transaction categories. As part of these enhanced safeguards, wallet load transactions made using YES BANK Credit Card - particularly for amounts of INR 5,000 and above - have been temporarily restricted.

 

[Sushubh]

1. YES Rewardz redemption portal: The domain for redeeming YES BANK credit card reward points has been changed to https://creditrewardz.yes.bank.in as per RBI guidelines. Please use the new link to redeem your YES Rewardz.
Note: The above mentioned change is applicable only to YES BANK Credit Cards that have the YES Rewardz feature.

2. Passenger Railways Transaction Charge: 1% of the transaction amount + applicable GST will be charged as fee* if:
The transaction exceeds INR 30,000, OR
If the cumulative spends on Passenger Railways category exceeds the threshold amount of INR 80,000 in a calendar month
Fee* will be capped at INR 5,000 per transaction.
*The fee is over and above any convenience fee/surcharge charged by the railway ticket booking platform.

3. Fuel Transaction Charge: 1% of the transaction amount + applicable GST will be charged as fee if:
The transaction exceeds INR 10,000, OR
If the cumulative spends on Fuel category exceeds the below mentioned threshold amount in a calendar month.
Fee will be capped at INR 5,000 per transaction.

4. Tolls & bridges Transaction Charge: 1% of the transaction amount + applicable GST will be charged as fee if:
The transaction exceeds INR 10,000, OR
If the cumulative spends on Tolls&bridges category exceeds the below mentioned threshold amount in a calendar month.
Fee will be capped at INR 5,000 per transaction.

5. Utility Payment Charge: 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds the below mentioned threshold in a calendar month.
Fee will be capped at INR 5,000 per transaction.

 

[Sushubh]

Important update regarding your Credit Card charges

 

[Sushubh]

Dear Customer,
Greetings from YES BANK. We hope you are enjoying the benefits and convenience of your YES BANK Credit Card. We are writing to inform you about an important update that will further enhance your overall credit card usage experience.

Effective 1st June 2026, YES BANK will be re‑introducing the Overlimit facility on your Credit Card.

The Overlimit facility allows you to complete transactions even when the transaction amount exceeds your assigned credit limit, up to a permissible threshold determined by the Bank. This ensures uninterrupted usage, especially during urgent or high‑value purchase requirements.

The applicable overlimit eligibility and amount will depend on the customer’s credit profile, repayment behavior, and internal risk parameters.

Standard Overlimit charges are INR 550 plus applicable GST (as per the Credit Card MITC and Schedule of Charges) will apply for any transaction that exceeds the assigned credit limit.

Thank you for banking with us.

MITC

Customer Care

Seems like something that should be opt in.

 

[Sushubh]

Important update regarding your Credit Card Charges and Features

lol. what an annoying bank.

Cash Advance Fee: A transaction fee of 2.5% of the amount withdrawn or INR 650, whichever is higher, will be levied on Cash Withdrawals. This fee is not applicable to any Virtual RuPay Credit Card.
Auto-Debit Failure Charges: A transaction fee of 2.5% of the auto-debit amount or INR 500, whichever is higher, will be levied post auto-debit attempts (per instance of auto-debit failure/return). Charges are capped at INR 5000 per customer per statement.
Cash Deposit Fee: A fee of INR 500 will be levied on cash deposits at YES BANK branches towards Credit Card repayment, if the deposit amount is greater than or equal to INR 1000.
Cheque Deposit Fee: A fee of INR 250 will be levied on cheque deposits towards Credit Card repayment, if the deposit amount is greater than or equal to INR 1000.
Card Re-issuance Fee: A fee of INR 199 will be charged for card reissuance in the event it is lost, stolen or damaged. The fee is charged per replacement request. The fee is not applicable on any Virtual RuPay card. This revised fee is only applicable to plastic cards. The re-issuance fee remains the same for BYOC Eco-friendly and Metal cards.

​

 

[Sushubh]

Important Update: New Password Format for Credit Card Statements (Effective July 2026)
Dear Customer,
We are making an important change to the way you access your YES BANK Credit Card Statements. Our aim is to make your experience simpler and more secure.
What is Changing?
Starting July 2026, statements will be secured using a new password format: Your Date of Birth (DDMMYYYY).
Example: If your Date of Birth is 27 August 1980, your password will be 27081980.
Important - Before vs. After July 2026
To ensure clarity, please note the following:
Statements generated before July 2026:
Please use the existing password format (i.e. First four letters of the customer's name in uppercase + date of birth in DDMM), even if the file is accessed after July 2026
Statements generated in or after July 2026:
Use the password in new password format i.e. Date of Birth (DDMMYYYY).
Illustrative Examples
If you try to open your January 2026 e-statement already received in your email, the old password format (i.e. First four letters of the customer's name in uppercase + date of birth in DDMM) will be applicable.
If you download the January 2026 statement again in or after July 26, the new password format (Date of Birth in DDMMYYYY) will be applicable as the statement is newly generated.
We recommend saving this update for your reference to ensure uninterrupted access to your statements.
Sincerely,
YES BANK

What an annoying bank.

 

[Sushubh]

Dear Customer,
In line with our commitment to maintaining transparency with our customers, we have updated the Most Important Terms and Conditions (MITC) with detailed examples explaining the calculation of finance charges, making the information easier to understand.
Please note that there is no change to the applicable Schedule of Charges. This update is only intended to offer clearer, more comprehensive illustrations of the calculation.
We request you to refer to the latest Most Important Terms and Conditions (MITC) for the detailed examples. Click here to access the MITC.