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Key Fact Statement - Credit Cards

Card Type Page Number

YES Private Credit Card 7

YES BANK MARQUEE Card 2

YES BANK RESERV Card & YES BANK Elite+ Card 2

YES BANK SELECT Card & YES BANK ACE Card 2

YES BANK YES First Business / YES Prosperity Business Card 2

YES BANK Wellness & Wellness Plus Credit Card 2

YES BANK RUPAY Credit Card 2

YES BANK AI Inside Card 2

YES BANK AI Inside RuPay Card 2

YES BANK ANQ Phi & YES BANK ANQ Pi 6

YES BANK Finbooster Credit Card 9

YES BANK Paisabazaar Paisasave Credit Card 12

YES BANK POP CLUB Credit Card 15

YES BANK RIO Credit Card 18

YES BANK KLICK RuPay Credit Card 21

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KEY FACT STATEMENT -YES BANK Retail Cards

Appended are the important aspects of the Credit Cards

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
MARQUEE INR 9,999 INR 4,999
RESERV/RESERV for NRI INR 2,499 INR 2,499

ELITE+ / ELITE+ issued against FD /YES First Business INR 999 INR 999

SELECT /SELECT for NRI INR 599 INR 599

ACE/ACE issued against FD / YES Prosperity Business / EMI

INR 499 INR 499
Card/ Wellness

Wellness Plus INR 1,499 INR 1,499

RuPay Card Nil Nil
AI Inside Card Nil Nil
AI Inside RuPay Card Nil Nil
Membership Fee for BYOC Card:
Card Fee (One time in the Regular Card: NIL Eco Friendly Card: INR 249 Metal Card: INR 3,499
1st statement)
Monthly Plan Fee BYOC Cashback: INR 99 BYOC Rewards: INR 49
Monthly Subscription Fee Silver Plan: INR 99 Gold Plan: INR 149 Platinum Plan: INR 249

(For first year and each renewal, the fee will be charged in case of customer not achieving the spend condition mentioned in the
table below)
Spend Condition for waiver of Membership Fee
(Only applicable on retail spend transaction)

No waiver in 1st year membership Fee (40,000 Reward Points credited if Fees is
realized)
MARQUEE
Spend INR 10,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year

Spend INR 40,000 within first 30 days from card issuance date and get 1st year
membership fee waived off
RESERV, RESERV for NRI
Spend INR 3,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year

Spend INR 20,000 within first 30 days from card issuance date and get 1st year
membership waived off
YES First Business
Spend INR 3,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year
Spend INR 20,000 within first 30 days from card issuance date and get 1st year
membership fee waived off
ELITE+ , ELITE+ issued against FD
Spend INR 2,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year
Spend INR 10,000 within first 30 days from card issuance date and get 1st year
membership waived off
SELECT, SELECT for NRI
Spend INR 1,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year
Spend INR 5,000 within first 30 days from card issuance date and get 1st year
membership waived off
ACE, ACE issued against FD
Spend INR 50,000 in card anniversary year and get waiver on renewal fee for the
subsequent year

No waiver on 1st year membership fee

EMI Card Spend INR 1,20,000 in card anniversary year and get
waiver on renewal fee for the subsequent year
Wellness Plus/ Wellness Not Applicable
V_10_08-01-25

Spend INR 10,000 within first 30 days from card issuance date and get 1st year
membership waived off
YES Prosperity Business
Spend INR 1,00,000 in card anniversary year and get waiver on renewal fee for the
subsequent year

RuPay Credit Card Life time free Credit Card hence no annual Spend based Criteria.

AI Inside / AI Inside RuPay Not Applicable

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• MARQUEE, RESERV: 2.99% p.m. (35.88% annualized)
• Elite+ FD/Select for NRI/ ACE FD/YES First Preferred FD and NRI/ RESERV NRI: 2.49% p.m.
(29.88% annualized)
• ELITE+, SELECT, ACE, YES First Business, YES Prosperity Business, BYOC Credit Card, Wellness Plus, Wellness,
EMI Card, RuPay Card, AI Inside / AI Inside RuPay: 3.99% p.m. (47.88% annualized)
Interest Free Period
• Upto 50 days
Minimum Amount Due (MAD):
• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Up to 30% of the Credit Limit

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC)

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.
Over limit Fee:
• Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is provided)
Cash Advance Fee:
• For all other Cards: 2.5% of amount withdrawn or INR 500, whichever is higher

Rewards points redemption:

• MARQUEE Credit Cards : On Booking flights and hotels you can redeem upto 70% of the total invoice value or
3,00,000 YES Rewardz points, whichever is lower, in a calendar month

RESERV Credit Cards : On Booking flights and hotels you can redeem upto 70% of the total invoice value or 2,00,000
YES Rewardz points, whichever is lower, in a calendar month

Other Credit Cards: On Booking flights and hotels you can redeem upto 70% of the total invoice value or 1,00,000
YES Rewardz points, whichever is lower, in a calendar month

• Addition rewards points to the existing capping of 50% of available YES Rewardz points on redemption against gift
vouchers & Statement Credit

Rent and Wallet charges (Other Credit Cards):

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or ₹1 whichever is higher will be levied on all Wallet transactions.
V_10_08-01-25

Rent and Wallet Charges (AI Inside & AI Inside Rupay Card):
• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period
• A fee of 1% or Rs 1 + applicable GST on all incremental spends over Rs. 15,000. E.g. if a customer spends Rs. 17,000
on wallet transactions, the fee of Rs. 20 + GST will be levied on the incremental Rs. 2,000 (Rs.17,000 -Rs.15,000 = Rs.
2,000)

Utility Charges (Others Credit Cards):

A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee will be
applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer Illustration below:

Illustration a:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000

Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility transactions in
a calendar month is less than INR 15,000, no fee will be levied.
Illustration b:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 6000
• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000

Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility transactions in
a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000 in this example. Thus
INR 160 +GST will be levied on this total amount spent on Utility transactions.

Utility Charges (AI Inside & AI Inside Rupay Card):

A fee of 1% + applicable GST on all incremental spends over Rs. 15,000. E.g. if a customer spends Rs. 17,000 on utility
transactions, the fee of Rs. 20 + GST will be levied on the incremental Rs. 2,000 (Rs.17,000 -Rs.15,000 = Rs. 2,000)

Education Fee payment Charges :

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month
Fuel Transaction Charges:
• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only.

Maximum Surcharge waiver per statement cycle:

MARQUEE INR 1000
AI Inside INR 750
YES First Business /RESERV/RESERV issued against FD INR 500
Wellness Plus/ YES Prosperity Business / EMI Card INR 250
ACE /ACE issued against FD INR 100

SELECT/ SLECT for NRI /ELITE+ / ELITE+ issued against FD /Wellness/

INR 125
BYOC/RUPAY Card/ AI Inside RuPay
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Foreign Currency Conversion Charges:

• MARQUEE: 1%
• RESERV/RESERV for NRI/ Yes First Business: 1.75%
• ELITE+ / ELITE+ issued against FD /SELECT/SELECT for NRI/RuPay/ACE/ ACE issued against FD/ AI Inside /
AI Inside RuPay : 2.75%
• BYOC/ Wellness Plus / Wellness / EMI: 3.50%
• YES Prosperity Business: 2.50%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember(s). Please refer to product features of the card on website for details.
• Eligibility for complimentary domestic lounge access is subject to meeting the Spends threshold. Please refer to
product features of the card on website for details
• Effective 1st April 2024, access to domestic airport lounges will be based on a spend criteria (Not Applicable for
MARQUEE Card). Customer need to spend INR 35,000 or more in the previous quarter (21st Mar-20th Jun | 21st
Jun-20th Sep | 21st Sep-20th Dec | 21st Dec-20th Mar), to automatically qualify for complimentary lounge privilege
in the subsequent quarter (1st Jul-30th Sep | 1st Oct-31st Dec | 1st Jan-31st Mar | 1st Apr-30th Jun

Eligible for Complimentary Lounge Lounge Access Quarter

Scenario
Access in next quarter Period

Customer spends* INR 35,000 or more 1st October'24 to

YES
between 21st June'24 to 20th September'24 31st December'24

• Effective 1st April 2025, by spending INR 50,000 or more in the previous quarter (Jan-Mar | Apr-June | Jul-Sep |
Oct-Dec), you automatically qualify for this privilege in the subsequent quarter (Apr-June| July-Sep| Oct-Dec| Jan-
Mar)

Credit Card Variant Threshold Amount (INR)

MARQUEE/RESERV 1,00,000
YES First Preferred/YES First Business 75,000
Others Cards 50,000

Illustration:

Eligible for
Serial
Scenario Complimentary
No.
Lounge Access Lounge Access Quarter Period
Customer spends INR 50,000 or more between
1
1st Jan’25 to 31st Mar’25 YES 1st April’25 to 30th June’25

• This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India)
• The spends exclude Fee Payments, reversals/cancelled transactions, rental and wallet transactions.
• All guest(s) (person accompanying the primary cardholder) will be charged as per applicable lounge charges + taxes
per person per visit post exhaustion of complimentary quota (if any)

Rewards Redemption* Fee (not applicable on MARQUEE / RESERV, and cards not giving Reward Points)
• INR 100 per redemption request
*The earned reward points are valid for 36 months only.

Re-Issue of lost, stolen, or damaged card:

• INR 100 (per reissuance)

Payment Return / Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges - 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement
V_10_08-01-25

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)

Important Note:

• RESERV was earlier known as YES First Exclusive

• ELITE+ was earlier known as YES Premia
• SELECT was earlier known as YES Prosperity Edge
• ACE was earlier known as YES Prosperity Rewards Plus
V_10_08-01-25

KEY FACT STATEMENT- YES PRIVATE Credit Card

Appended are the important aspects of the Credit Cards

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
YES PRIVATE INR 50,000 INR 10,000
(For first year and each renewal, the fee will be charged in case of customer not achieving the spend condition mentioned in the
table below)

Spend Condition for waiver of Membership Fee

(Only applicable on retail spend transaction)
Spend INR 25,00,000 in card anniversary year and get waiver on renewal fee for the subsequent year.

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• 2.99% p.m. (35.88% annualized)

Interest Free Period

• Upto 50 days

Minimum Amount Due (MAD):

• Minimum 5% of finance charges as per the current
• statement or ₹200, whichever is higher In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to
TAD
Cash Advance Limit:
• Up to 30% of the Credit Limit

Rewards points redemption:

• On Booking flights and hotels you can redeem upto 70% of the total invoice value or 6,00,000 YES Rewardz points,
whichever is lower, in a calendar month
• YES Rewardz points redemption against Merchandise will be discontinued addition rewards points to the existing
capping of 50% of available YES Rewardz points on redemption against gift vouchers & Statement Credit.

Supplementary / Add-on Card fee:

• NIL

Late Payment Charges (LPC):

• NIL
Over limit Fee:
• NIL
Cash Advance Fee:
• NIL
Rent and Wallet charges
• Minimum 1% of transaction value or ₹1 whichever is higher will be levied on all Rental and Wallet
transactions greater than ₹1. Please note that rental transactions are capped at 3 per 30 days period.
Rental spends do not accrue any reward points

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)

• 1% waiver, valid for transaction between INR 400 to INR 5,000 only
Foreign Currency Conversion Charges:
• 0.5%
V_10_08-01-25

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Rewards Redemption* Fee

• NIL
*The earned reward points are valid for 36 months only.

Re-Issue of lost, stolen, or damaged card:

• NIL

Payment Return/ Auto Debit failure Charges:

• NIL

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)
V_10_08-01-25

KEY FACT STATEMENT- YES BANK ANQ Phi& ANQ Pi

Appended are the important aspects of the Credit Cards

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
YES BANK Anq Phi Credit Card Nil INR 499
YES BANK Anq Pi Credit Card Nil Nil

(For first year and each renewal, the fee will be charged in case of customer not achieving the spend condition mentioned in the
table below)
Spend Condition for waiver of Membership Fee
(Only applicable on retail spend transaction)
No First-year fee.
YES BANK Anq Phi Credit Card Spend INR 1,20,000 in card anniversary year and get waiver on renewal fee for the
subsequent year
YES BANK Anq Pi Credit Card Not Applicable

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Upto 50 days

Minimum Amount Due (MAD):

• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Up to 30% of the Credit Limit

Rewards points redemption:

• On Booking flights and hotels you can redeem upto 70% of the total invoice value or 1,00,000 YES Rewardz points,
whichever is lower, in a calendar month
• Addition rewards points to the existing capping of 50% of available YES Rewardz points on redemption against gift
vouchers & Statement Credit

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC):

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.
Over limit Fee:
• YES BANK Anq Phi Credit Card - Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is
provided)
• YES BANK Anq Pi Credit Card - Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is
provided for primary card)

Cash Advance Fee:

• YES BANK Anq Phi Credit Card: 2.5% of amount withdrawn or INR 500, whichever is higher
• YES BANK Anq Pi Credit Card: NA

Rent and Wallet charges

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions
V_10_08-01-25

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below:

Illustration a:
Assuming Utility Spends in a calendar month : 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility transactions in
a calendar month is less than INR 15,000, no fee will be levied.

Illustration b:

Assuming Utility Spends in a calendar month : 1st July- 31st July

• 4th July – INR 6000
• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility transactions in
a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000 in this example. Thus
INR 160 +GST will be levied on this total amount spent on Utility transactions.

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only

Maximum Surcharge waiver per statement cycle:

YES BANK Anq Phi Credit Card INR 300
YES BANK Anq Pi Credit Card INR 125

Foreign Currency Conversion Charges:

• YES BANK Anq Phi Credit Card: 3.40%
• YES BANK Anq Pi Credit Card: 3.40%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember(s). Please refer to product features of the card on website for details.

Rewards Redemption* Fee

• INR 100 per redemption request
*The earned reward points are valid for 36 months only.

Re-Issue of lost, stolen, or damaged card:

• INR 100 (per reissuance)
V_10_08-01-25

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges - 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)
V_10_08-01-25

KEY FACT STATEMENT -YES BANK Finbooster Credit Card

Appended are the important aspects of your YES BANK Finbooster Credit Card
Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
YES BANK Finbooster Credit Card Nil Nil

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount:

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Up to 50 days
Minimum Amount Due (MAD):
• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Up to 30% of the Credit Limit

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC)

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.

Over limit Fee:

• Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is provided)

Cash Advance Fee:

• 2.5% of amount withdrawn or INR 500, whichever is higher

Rewards points redemption:

• On Booking flights and hotels you can redeem upto 70% of the total invoice value or 1,00,000 YES Rewardz points,
whichever is lower, in a calendar month
• Addition rewards points to the existing capping of 50% of available YES Rewardz points on redemption against gift
vouchers & Statement Credit

Rent and Wallet charges

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions.

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below:
Illustration a:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility
transactions in a calendar month is less than INR 15,000, no fee will be levied.
Illustration b:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 6000
• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000
V_10_08-01-25

Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility
transactions in a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000
in this example. Thus INR 160 +GST will be levied on this total amount spent on Utility transactions
Education Fee payment Charges:
• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only.
• Maximum Surcharge waiver per statement cycle: INR 100

Foreign Currency Conversion Charges:

• YES BANK Finbooster Credit Card: 3.40%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember. Please refer to product features of the card on website for details.

Rewards Redemption* Fee

• INR 100 per redemption request

Re-Issue of lost, stolen, or damaged card:

• INR 100 (per reissuance)

Duplicate Physical Statement Fee:

• Statement older than 6 Months, a fee of ₹100 per statement will be charged.

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges -2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year
Goods and Services Tax (GST)
• 18% (Applicable on all fee and charges)
V_10_08-01-25

KEY FACT STATEMENT- YES BANK Paisabazaar Paisasave Credit Cards

Appended are the important aspects of the YES BANK Paisabazaar Paisasave Credit Cards

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
YES BANK Paisabazaar Paisasave Credit Card Nil INR 499
YES BANK Paisabazaar Paisasave Rupay Credit Card Nil Nil

(For each renewal, the fee will be charged in case of customer not achieving the spend condition mentioned in the table below)
Spend Condition for waiver of Membership Fee
(Only applicable on retail spend transaction)
No First-year fee.
YES BANK Paisabazaar Paisasave
Spend INR 1,20,000 in card anniversary year and get waiver on renewal fee for the
Credit Card
subsequent year
YES BANK Paisabazaar Paisasave
Not Applicable
Rupay Credit Card

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Upto 50 days

Minimum Amount Due (MAD):

• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Up to 30% of the Credit Limit

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC):

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.

Over limit Fee:

• YES BANK Paisabazaar Paisasave Credit Card Over Limit Fee INR 500 on Over limit amount (Only if Overlimit
consent is provided)
• YES BANK Paisabazaar Paisasave Rupay Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is
provided for primary card)

Cash Advance Fee:

• YES BANK Paisabazaar Paisasave Credit Card: 2.5% of amount withdrawn or INR 500, whichever is higher
• YES BANK Paisabazaar Paisasave Rupay Credit Card: NA

Rent and Wallet charges

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions
V_10_08-01-25

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below

Illustration a:

Assuming Utility Spends in a calendar month : 1st July- 31st July

• 4th July – INR 4000

• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility transactions in
a calendar month is less than INR 15,000, no fee will be levied.

Illustration b:

Assuming Utility Spends in a calendar month : 1st July- 31st July

• 4th July – INR 6000

• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000

Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility transactions in
a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000 in this example. Thus
INR 160 +GST will be levied on this total amount spent on Utility transactions.

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 500 to INR 3,000 only.

Maximum Surcharge waiver per statement cycle:

YES BANK Paisabazaar Paisasave Credit Card INR 250
YES BANK Paisabazaar Paisasave Rupay Credit Card INR 250

Foreign Currency Conversion Charges:

• YES BANK Paisabazaar Paisasave Credit Card: 3.40%
• YES BANK Paisabazaar Paisasave Rupay Credit Card: 3.40%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember(s). Please refer to product features of the card on website for details.

Rewards Redemption Fee

• NIL.

Re-Issue of lost, stolen, or damaged card:

• INR 100 (per reissuance)
V_10_08-01-25

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)
V_10_08-01-25

KEY FACT STATEMENT- YES BANK POP CLUB Credit Card

Appended are the important aspects of you YES BANK POP-CLUB Credit Card

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
YES BANK POP-CLUB Credit Card Nil INR 399
*” Limited Period Offer” YES BANK POP-CLUB Credit Card is offered as life time free (Valid till 31st Mar’25).

(For each renewal, the fee will be charged in case of customer not achieving the spend condition mentioned in the table below)
Spend Condition for waiver of Membership Fee
(Only applicable on retail spend transaction)
No First-year fee.
YES BANK POP-CLUB Credit
Spend INR 1,50,000 in card anniversary year and get waiver on renewal fee for the
Card
subsequent year

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount:

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Up to 50 days

Minimum Amount Due (MAD):

• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Up to 30% of the Credit Limit

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC)

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.
Over limit Fee:
• Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is provided)

Cash Advance Fee:

• 2.5% of amount withdrawn or INR 500, whichever is higher

Rent and Wallet charges

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions.

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below:
Illustration a:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility
transactions in a calendar month is less than INR 15,000, no fee will be levied.
Illustration b:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 6000
• 11th July- INR 7000
V_10_08-01-25

• 28th July – INR 1000

• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility
transactions in a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000
in this example. Thus INR 160 +GST will be levied on this total amount spent on Utility transactions.

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month.
Fuel Transaction Charges:
• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only.
• Maximum Surcharge waiver per statement cycle: INR 300

Foreign Currency Conversion Charges:

• YES BANK POP-CLUB Credit Card: 3.40%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember. Please refer to product features of the card on website for details.

Rewards Redemption* Fee

• Not applicable

Re-Issue of lost, stolen, or damaged card:

• INR 100 (per reissuance)
Duplicate Physical Statement Fee:
• Statement older than 6 Months, a fee of ₹100 per statement will be charged.

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges - 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.)

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding INR 1 Cr
from accounts and cards, in a particular financial year
Goods and Services Tax (GST)
• 18% (Applicable on all fee and charges
V_10_08-01-25

KEY FACT STATEMENT – YES BANK RIO Credit Card

Appended are the important aspects of the Rio YES Bank Credit Card

Membership Fee:

First Year Fee (GST Renewal Fee (GST

Credit Card
Applicable) Applicable)
Rio Credit Card Nil Nil

Spend Condition for waiver of Membership Fee

(Only applicable on retail spend transaction)
Rio Credit Card Lifetime free Credit Card hence no annual Spend based Criteria.

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Up to 50 days

Minimum Amount Due (MAD):

• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Upto 30% Of the Credit Limit (NIL for Virtual variant)
Supplementary / Add-on Card fee:
• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC)

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.
Over limit Fee:
• Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is provided)

Cash Advance Fee:

• 2.5% of amount withdrawn or ₹500, whichever is higher ( Not Applicable for Virtual Variant)

Rent and Wallet charges

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as
fee. For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied
as fee to the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions.

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below:
Illustration a:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility
transactions in a calendar month is less than INR 15,000, no fee will be levied.
V_10_08-01-25

Illustration b:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 6000
• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility
transactions in a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000
in this example. Thus INR 160 +GST will be levied on this total amount spent on Utility transactions.

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and
applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar
month. Fee capped at INR 5,000 per calendar month.

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel
Transaction charges will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only.
• Maximum Surcharge waiver per statement cycle: INR 250
Foreign Currency Conversion Charges:
• Rio Credit Card 3.5%
Lounge Charges
• If not eligible for complimentary Lounge Access, applicable lounge charges + taxes per person will be levied on
lounge access at Airport for cardmember. Please refer to product features of the card on website for details.
• Eligibility for complimentary Lounge Access is subject to meeting the Spends threshold. Please refer to product
features of the card on website for details
• Effective 1st April 2024, access to domestic airport lounges will be based on a spend criteria. Customer need to spend
INR 35,000 or more in the previous quarter (21st Mar-20th Jun | 21st Jun-20th Sep | 21st Sep-20th Dec | 21st Dec-
20th Mar), to automatically qualify for complimentary lounge privilege in the subsequent quarter (1st Jul-30th Sep |
1st Oct-31st Dec | 1st Jan-31st Mar | 1st Apr-30th Jun)

Eligible for Complimentary Lounge Lounge Access Quarter

Scenario
Access in next quarter Period

Customer spends* INR 35,000 or more 1st October'24 to

YES
between 21st June'24 to 20th September'24 31st December'24

• Effective 1st April 2025, by spending INR 50,000 or more in the previous quarter (Jan-Mar | Apr-June | Jul-Sep |
Oct-Dec), you automatically qualify for this privilege in the subsequent quarter (Apr-June| July-Sep| Oct-Dec| Jan-
Mar)

Illustration:

Eligible for
Serial
Scenario Complimentary
No.
Lounge Access Lounge Access Quarter Period
Customer spends INR 50,000 or more between
1
1st Jan’25 to 31st Mar’25 YES 1st April’25 to 30th June’25

• This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India)
• The spends exclude Fee Payments, reversals/cancelled transactions, rental and wallet transactions.
• All guest(s) (person accompanying the primary cardholder) will be charged as per applicable lounge charges + taxes
per person per visit post exhaustion of complimentary quota (if any)
V_10_08-01-25

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas

Rewards Redemption Fee

• Nil

Re-Issue of lost, stolen, or damaged card:

• INR 100 (Not Applicable for Virtual Variant)

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges - 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.
Charges on purchase or cancelation of Railway Tickets
• As prescribed by IRCTC / Indian Railways

TDS on withdrawals above INR 1crore

• Not applicable

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)
V_10_08-01-25

KEY FACT STATEMENT- YES BANK KLICK RUPAY CARD

Appended are the important aspects of the Klick RuPay Credit Card

Membership Fee:
First Year Fee (GST Renewal Fee (GST
Credit Card
Applicable) Applicable)
Klick RuPay Credit Card Nil Nil

Spend Condition for waiver of Membership Fee

(Only applicable on retail spend transaction)
Klick RuPay Credit Card Lifetime free Credit Card hence no annual Spend based Criteria.

Finance Charges on Revolving Credit, on cash advance and/ or on overdue amount

• 3.99% p.m. (47.88% annualized)

Interest Free Period

• Up to 50 days

Minimum Amount Due (MAD):

• All bank fees & charges + Any EMI amount + GST + Minimum 5% of Financial Charges as per the current statement
or INR 200, whichever is higher.
• In case TAD (Total Amount Due) is lesser than INR 200, MAD will be equal to TAD

Cash Advance Limit:

• Not Applicable

Supplementary / Add-on Card fee:

• NIL (Maximum up to 3 add-on cards can be issued)

Late Payment Charges (LPC) :

• No late payment charges would be levied if the total outstanding amount (excluding credits/payments) per
statement is upto ₹500. If the total outstanding amount (excluding credits/payments) is above ₹500, 10% of total
outstanding amount or ₹1350 whichever is lower, will be levied as late payment charges, per statement, as per
statement balance.
Over limit Fee:
• Over Limit Fee INR 500 on Over limit amount (Only if Overlimit consent is provided)

Cash Advance Fee:

• Nil

Rent and Wallet charges:

• For all rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher would be levied as fee.
For rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher would be levied as fee to
the customer. Please note that rental transactions are capped at 3 per 30 days period.
• Minimum 1% of transaction value or INR 1 whichever is higher will be levied on all Wallet transactions.

Utility Charges:
• A fee of 1% + applicable GST will be applicable on Utility transactions exceeding INR 15,000 in a calendar month. Fee
will be applicable to total transacted amount and charges are capped at INR 3000 in a calendar month. Refer
Illustration below:

Illustration a:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 4000
• 11th July- INR 6000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 13,000. Since total amount spent on Utility
transactions in a calendar month is less than INR 15,000, no fee will be levied.
V_10_08-01-25

Illustration b:
Assuming Utility Spends in a calendar month: 1st July- 31st July
• 4th July – INR 6000
• 11th July- INR 7000
• 28th July – INR 1000
• 31st July – INR 2000
Total amount spent on Utility transactions in a calendar month = INR 16,000. Since total amount spent on Utility
transactions in a calendar month is above INR 15,000, a fee of 1% +GST will be levied on the entire amount, Rs.16,000
in this example. Thus INR 160 +GST will be levied on this total amount spent on Utility transactions.

Education Fee payment Charges:

• 1% fee +applicable GST will be levied on education transactions done through third-party websites and applications
including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped
at INR 5,000 per calendar month.

Fuel Transaction Charges:

• 1% fee + applicable GST will be levied on all fuel transactions greater than INR 10,000. Total Fuel Transaction charges
will be capped at INR 5,000 per customer per calendar month
Illustration:
a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Fuel surcharge waiver across all fuel station in India

(GST levied on Fuel Surcharge will not be reversed)
• 1% waiver, valid for transaction between INR 400 to INR 5,000 only.
• Maximum Surcharge waiver per statement cycle: INR 250

Foreign Currency Conversion Charges:

• Klick RuPay Credit Card - 2.75%

Foreign Currency Conversion Charges on DCC Spends

• 1% on all transactions carried out in INR (INR) at an international location or at merchants which are in India but
registered overseas
Rewards Redemption Fee
• Nil
Re-Issue of lost, stolen, or damaged card:
• Not applicable (Virtual card only)

Payment Return/ Auto Debit failure Charges:

• Cheque - ₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of
cheque return)
• Auto debit failure charges - 2% or ₹450, whichever is higher shall be levied to the Cardmember on the net payable
amount post payment attempts (Per instance of Auto debit failure/return). Auto debit failure charges will be capped
at INR 1500 per customer per statement.

Charges on purchase or cancelation of Railway Tickets

• As prescribed by IRCTC / Indian Railways
TDS on withdrawals above INR 1crore
• Not applicable

Goods and Services Tax (GST)

• 18% (Applicable on all fee and charges)