YES BANK Credit Cards’ Fees & Charges

Understanding the fee structure of credit cards is crucial to knowing exactly what you are paying for. Track the YES BANK Credit Card charges, such as annual fees, cash advance charges, etc., before you select a card. READ MORE

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YES BANK Credit Card Charges

A credit card can be a convenient financial tool, but it is essential to understand the associated costs before you swipe it. YES BANK offers a range of credit cards with attractive features. The YES BANK credit card fees differ based on the services you opt for, such as:

To make overseas transactions
To spend beyond the available credit limit
To withdraw cash using your credit card, and more

YES BANK Credit Cards’ Joining Fees and Annual Fees

Most issuers levy a one-time joining fee and annual fee from the second year onwards. Unlike other charges that are applicable when you use a particular service, you need to pay the joining fee to activate your card.

Card Variant	Joining Fees (Excluding Taxes)	Annual Fees (Excluding Taxes)
YES BANK ACE Credit Card	₹399	₹399
YES BANK Prosperity Business Credit Card	₹499	₹499

Disclaimer: The fees mentioned above may change at the issuer’s discretion.

YES BANK Credit Card - Cash Advance Charges

This facility allows you to access quick funds during an emergency from domestic or international ATMs. All such withdrawals using the YES BANK credit card attract transaction fees. Check out the YES BANK credit card fees and charges for the cash advance facility:

Type of Withdrawal	Applicable Charges
From a Domestic ATM	2.50% or ₹500 (whichever is higher)
From an International ATM	2.50% or ₹500 (whichever is higher)

Disclaimer: The annual fees mentioned above may change at the issuer’s discretion.

YES BANK Credit Card Forex Charges

The cost of converting your currency can significantly impact your travel budget. YES BANK Credit Cards offer a compelling proposition for frequent travellers - one of the lowest forex mark-up fees. Check out the YES BANK credit card forex charges below-

Forex Mark-up Fee	1%

Disclaimer: The annual fees mentioned above may change at the issuer’s discretion.

YES BANK Credit Card Balance Transfer Fee

Opting for this facility helps you to transfer the outstanding amount from your existing card to another at a lower interest rate.

Balance Transfer Fee	Up to 5%

Disclaimer: The fees mentioned above may change at the issuer’s discretion.

YES BANK Credit Card Over-limit Charges

Spending beyond the approved credit limit can lead to unexpected fees. YES BANK charges an over-limit fee when you spend over your available credit limit. The following are the YES BANK credit card fees and charges for over-limit fees:

Card Variant	Applicable Charges
For All YES BANK Credit Cards	2.50% of the over-limit amount or ₹500 (whichever is higher)
For YES BANK Wellness Plus/Wellness/BYOC/EMI Card	2.50% of the over-limit amount or ₹750 (whichever is higher)

Disclaimer: The fees mentioned above may change at the issuer’s discretion.

YES BANK Credit Card Late Payment Charges

Missing a credit card payment incurs charges. If you fail to pay the minimum amount due before the due date, you will have to pay late payment charges. Check them out below:

Total Outstanding Amount (₹)	Late Payment Charges (₹)
Up to ₹100	NIL
From ₹101 to ₹500	₹100
From ₹501 to ₹5,000	₹500
From ₹5,001 to ₹20,000	₹750
From ₹20,001 to ₹25,000	₹750
From ₹25,001 to ₹50,000	₹1,100
More than ₹50,000	₹1,200

Disclaimer: These charges can vary at the discretion of the bank.

Other Fees and Charges Associated with YES BANK Credit Cards

There are other fees that you may encounter when enjoying the services provided by this bank. Understanding these additional costs will help you make informed financial decisions and avoid unexpected costs.

Type of Charges	Applicable Fee
Rewards Redemption Charges	₹100 per redemption request
Re-issue of Credit Cards	₹100
Rent and Wallet Charges	1% of the transaction amount or ₹1 (whichever is higher)

Disclaimer: These charges can vary at the discretion of the bank.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Other Bank Credit Card Fees & Charges

What are the finance charges of YES BANK Credit Cards?

The finance charge for revolving credit on YES BANK Credit Cards is 3.80% p.m. or 45.60% p.a.

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

You will have to pay different types of YES BANK credit card fees to enjoy various services. These may include joining and annual charges for activating your card, cash advance fee for withdrawing cash through ATM, fees for re-issuance of credit card, and more.