YES Bank credit card rules change from April 1: Relaxes threshold limits of fee waiver on select cards; revises rules for wallet loads, utility and toll payments

YES Bank has relaxed qualifying threshold amounts for the fee to be levied on many of its credit cards. The revised rules, which will come into effect from April 1, 2026, include updates to fees related to utility payments, transportation transactions (tolls and bridge payments) and loading money into third-party digital wallets.

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Revised threshold limit for utility & service transaction fee:

The utility transaction fee on YES Bank credit cards will be reflected as ‘Utility & Service transaction fee’ in a monthly credit card statement. The bank has also revised the qualifying transaction threshold for some of its cards, beyond which, the fee will be levied.


The threshold has been increased from Rs 50,000 to Rs 1,00,000, for YES Private credit cards.
For MARQUEE and RESERV credit cards, the same threshold has been raised from Rs 25,000 to Rs 50,000, while for other retail credit cards, the threshold has been increased from Rs 15,000 to Rs 25,000.

Category	Existing Threshold	Threshold effective from April 1, 2026
YES Private	₹50,000	₹1,00,000
MARQUEE / RESERV	₹25,000	₹50,000
Other retail credit cards	₹15,000	₹25,000

Transportation fee
Toll and bridge transaction charges on YES Bank credit cards will be reflected as ‘Transportation fee’ in a monthly credit card statement.
The bank has also relaxed the qualifying threshold amount for the fee to be levied. For YES Private, MARQUEE and RESERV credit cards, the threshold has been increased from Rs 50,000 to Rs 75,000, while for other retail credit cards, it has been raised from Rs 25,000 to Rs 50,000. Note that charges will apply only after transactions cross these revised limits.

Category	Existing Threshold	Threshold effective from April 1, 2026
YES Private / MARQUEE / RESERV	₹50,000	₹75,000
Other retail credit cards	₹25,000	₹50,000

Wallet fee:
a. YES Bank says no fee will be levied on transactions up to the amount of Rs 2,000 when loading funds onto third-party wallets.
b. When loading funds onto third-party wallets, a 1% fee will be levied on transactions exceeding the amount of Rs 2,000 including (but not limited to) Amazon Pay, PayTm, MobiKwik, T wallet, Cred, etc.
c. Maximum fee that can be levied on any single transaction is Rs 5,000, says YES Bank.