Yes Bank Revises Transaction Limits For Select Credit Cards Effective 1st April
Business
Yes Bank has made a number of announcements regarding its various credit card options. The threshold levels for the fee to be imposed on several of the bank’s credit cards have changed, according to the bank’s official website.
Yes Bank Utility & Service Transaction Fee
Effective 1st April’26, utility transaction fee will now appear as utility & service transaction fee in the monthly credit card statement of the customers, as per Yes Bank.
According to Yes Bank, effective 1st April’26, 1% of the transaction amount including applicable GST will be charged on all Utility transactions if the cumulative spends on the utility category exceed Rs 1,00,000 in the previous calendar month, which was earlier Rs 50,000. Charges are capped at Rs 5000 per transaction.
| Credit Card Variant | Old Utility & Service Transaction Fee | New Utility & Service Transaction Fee |
|---|---|---|
| YES Private | 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 50,000 in previous calendar month. Charges are capped at INR 5000 per transaction. | Effective 1st April’26, 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 1,00,000 in previous calendar month. Charges are capped at INR 5000 per transaction. |
| Marquee / Reserv / Uni / Uni RuPay Virtual / AI Inside / AI Inside RuPay Virtual | 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 25,000 in previous calendar month. Charges are capped at INR 5000 per transaction. | Effective 1st April’26, 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 50,000 in previous calendar month. Charges are capped at INR 5000 per transaction. |
| All other cards | 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 15,000 in previous calendar month. Charges are capped at INR 5000 per transaction. | Effective 1st April’26, 1% of the transaction amount + applicable GST will be charged on all Utility transactions if the cumulative spends on Utility category exceeds INR 25,000 in previous calendar month. Charges are capped at INR 5000 per transaction. |
Marquee / Reserv / Uni / Uni RuPay Virtual / AI Inside / AI Inside RuPay Virtual
As per Yes Bank’s official website, effective 1st April’26, 1% of the transaction amount including applicable GST will be charged on all utility transactions if the cumulative spends on the utility category exceed Rs 50,000 in the previous calendar month, which was earlier Rs 25,000. Charges are capped at Rs 5000 per transaction.
All other cards
Effective 1st April’26, 1% of the transaction amount including applicable GST will be charged on all utility transactions if the cumulative spends on the utility category exceed Rs 25,000 in the previous calendar month which was earlier capped at Rs 15,000. Charges are capped at Rs 5000 per transaction.
Yes Bank Credit Card Transportation Fee
Your monthly credit card statement is going to demonstrate the tolls/bridge transaction fees as a transportation fee as of April 1st, 2026. If a transaction exceeds Rs 10,000 or if the total amount spent on the Tolls/Bridges category in a calendar month exceeds the specified level, 1% of the transaction value, including GST, will be levied as a fee.
| Credit Card variant | Threshold Amount (INR) | Threshold Amount effective from 1st April’26 onwards (INR) |
|---|---|---|
| YES Private / Marquee / Reserv / UNI / AI Inside / AI Inside RuPay Virtual | 50,000 | 75,000 |
| Other Credit Cards | 25,000 | 50,000 |
| Note: Fee will be capped at INR 5,000 per transaction. |
