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YES Bank Debit Card: Features & Benefits, Types and How to Apply

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YES Bank account holders can get unlimited free transactions from any ATM across the country and helps you avail unparalleled privileges and benefits on a wide range of categories such as shopping, traveling, dining, entertainment and much more. Learn more about YES Bank Debit Cards along with other details such as eligibility, features and benefits, charges,etc.

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Updated: 15-09-2025 05:05:07 AM

YES Bank account holders can avail various debit cards that comes with enhanced cash withdrawal and spending limits and exclusive value-added services. YES Bank Debit Cards ensure safe and secure transactions with upgraded safety features and also allows you to earn reward points every time you shop using your YES Bank debit card. Read on to know more about debit cards offered by YES Bank.

Top YES Bank Debit Cards for September 2025

Take a look at the top YES Bank Debit Cards along with its annual fee, domestic and international purchase limits, key features and choose according to your needs and requirements-

Debit Card Joining Fees Limitations Key Features
YES First Debit Card NIL
  • Daily ATM Withdrawal Limit: Rs. 5 lakh
  • Daily Domestic Purchase Limit: Rs. 5 lakh
  • Daily International Purchase Limit: Rs. 1 lakh
  • 3 complimentary domestic lounge visits Quarterly and 2 international lounge access a year.
  • 4X points domestic spends 4X points for International spend
  • Get 50% off up to Rs. 1000 on Movie/Non-Movie via BookMyShow
  • Deals and Offers on Zomato and Blinkit
YES Grandeur International Debit Card
 NIL
  • Daily Cash Withdrawal Limit: Domestic Rs. 2 lakh & International Rs. 1 lakh
  • Daily Domestic purchase limit: Rs. 5 lakh
  • Daily International purchase limit: Rs. 1 lakh
  • 1 complimentary domestic lounge visits Quarterly and 1 per quarter for Guest
  • 3X points domestic spends 4X points for International spend
  • 5% Cashback every month on Utility and Grocery
  • BookMyshow buy 1 and get 1 free movie ticket up to Rs. 500 per month
  • Extra 500 rewards points on card activation on minimum spend of Rs. 500
  • Monthly Discounts on Zomato and Swiggy
YES Premia Debit Card Rs.1249 + GST
  • Daily Domestic purchase limit: Rs. 3 lakh
  • Daily International purchase limit: Rs. 1 lakh
  • Cash Withdrawal Limit: Rs. 1.5 lakh
  • 1 Complimentary Domestic Lounge Access per quarter
  • 4 complimentary round of green fees per calendar year & 12 complimentary golf lessons per calendar year
  • Discount on movie tickets booked via BookMyShow web or app
YES Apex International Metal Debit card Rs. 7499 + GST
  • Daily Cash Withdrawal and Purchase Limits: ATM Rs. 3 lakh & Shopping Rs. 10 lakh
  • 4 complimentary domestic lounge visits Quarterly & 1 International lounge per quarter
  • 5X on Domestic spends & 10X on International spends.
  • Cross Currency Markup – 0%
  • Get 50% off up to Rs. 1,000 on Movie/Non-Movie via BooMyShow
  • Zomato Rs. 150 Off on minimum spend of Rs. 500
YES Engage Debit Card Rs. 399 + GST
  • Withdrawal limit: Rs. 50,000
  • Domestic purchase limit: Rs. 1,50,000
  • International purchase limit: Rs. 1,00,000
  • 15% Green fee waiver on Golf courses in India
  • Complimentary Insurance cover upto Rs. 2 lakh
  • 1X points domestic spends 4X points for International spend
YES Apex International Debit Card Rs. 4,999 + GST
  • Withdrawal limit: Rs. 3,00,000
  • Purchase limit: Rs. 10,00,000
  • 3 complimentary domestic lounge visits Quarterly & 1 International lounge per quarter
  • Complimentary Golf Access (4 rounds per year and 12 lessons per year)
  • Cross Currency Markup – 0%
  • Up to Rs. 1,000 off per month on movie tickets on BookMyShow web or app
  • Zomato Rs. 150 Off on minimum spend of Rs. 500 – Twice per month
  • Fuel Surcharge waiver – Min. Rs. 7,500 spends per month

Note: All the above-mentioned Yes Bank’s debit cards details are updated as of September 2025.

Must Read: Best Credit Cards in India 2025

Know More about YES Bank Debit Card:
YES Bank Debit Card Eligibility
Features and Benefits of YES Bank Debit Card
How to Apply for YES Bank Debit Card?
YES Bank Debit Card Fees and Charges
How to Activate YES Bank Debit Card?
How does YES Bank Debit Card Work?
FAQs

YES Bank Debit Card Eligibility

All individuals who are residents of India and have a YES Bank Account are eligible to apply for YES Bank debit cards. You must also read about credit card eligibility.

Note: The above-mentioned eligibility criteria are generic. The type of debit card issued against your bank account may vary across various parameters such as minimum account balance, and account type or based upon your relationship with YES Bank.

Features and Benefits of YES Bank Debit Card

Below are the key features and benefits of YES Bank Debit Cards:

  • Similar to YES Bank Credit Cards, they also offers benefits in the form of reward points on your every transaction that can be redeemed for exciting products and services
  • Most YES Bank Debit Card offer welcome benefits along the card activation
  • YES Bank Debit Cards users can avail fuel surcharge waiver that helps in instant savings on fuel purchases at any petrol pump in India
  • YES Bank Debit Cards offer higher cash daily withdrawal limits and purchase limit up to Rs. 5 Lakh (Note that this may vary from card to card)
  • If you are a movie buff, you can avail discount up to Rs. 200 on booking movie tickets on BookMyShow with your YES Bank Debit Card
  • You can also avail travel benefits in the form of complimentary airport lounge access, personal accident insurance, lost liability cover, etc.
  • These cards are accepted worldwide to over 15,00,000 ATMs and over 3,00,00,000 merchants
  • Axis Bank Debit Cards have unlimited access to over 2,00,000 ATMs and 20,00,0000 POS Terminals in India
  • These cards offers convenience of contactless payments via state-of-the-CHIP and NFC enabled Card

How to Apply for YES Bank Debit Card?

When you open a savings account through YES Bank, a debit card is issued to you by the bank. The transaction limits of the card are linked depending upon the balance in your account.

In case you don’t have a debit card or if you have only an ATM card, you contact the relationship manager by calling on  YES Bank Debit Card Customer Care Number  and request them to issue a debit card. You can apply for a debit card online as well, by visiting the bank’s official website or offline by visiting the bank branch website.

YES Bank Debit Card Fees and Charges

Below are some of the common YES Bank Debit Card fees and charges:

Type of Fee/ Charge Amount
Annual/ Renewal Fee Varies from card to card
International Cash Withdrawal Rs. 120 + Taxes
Balance Enquiry Rs. 20 + Taxes
Card Replacement Charges Rs. 200 + Taxes
Cross Currency Markup Fee 3.5%
PIN Generation through Branch Rs. 50 per instance

Note: The above-mentioned charges are for YES Bank Individual Debit Cards. To know the fees and charges of other categories, please official website.

How to Activate YES Bank Debit Card?

To activate your YES Bank Debit Card, you need to follow the instructions mentioned below:

Step 1: Visit the official website of YES Bank

Step 2:  Click on the ‘Login’ tab available on the top right corner

Step 3: Now, select ‘YES Online’ option and click on the ‘Get Started’ option

Step 4: Click on the ‘Continue’ button to YES Online

Step 5: Select ‘Generate/Register Debit Card PIN’ option

Step 6: Confirm the Terms & Conditions and Proceed

How does YES Bank Debit Card Work?

To activate your YES Bank Debit Card, you need to follow the instructions mentioned below:

Step 1: Visit the official website of YES Bank

Step 2:  Click on the ‘Login’ tab available on the top right corner

Step 3: Now, select ‘YES Online’ option and click on the ‘Get Started’ option

Step 4: Click on the ‘Continue’ button to YES Online

Step 5: Select ‘Generate/Register Debit Card PIN’ option

Step 6: Confirm the Terms & Conditions and Proceed

FAQs

Q. What are the various categories of YES Bank Debit Card?

YES Bank offers a wide range of Debit Cards such as Individual Cards, Business Cards, Cards for NRIs, e-series debit cards.

Q. What are the usual physical PIN regeneration charges?

The physical YES Bank Debit Card PIN regeneration charges are Rs. 50 per instance.

Q. How to generate YES Bank Debit Card PIN?

For YES Bank Debit Card PIN generation, you need to follow the below steps:

Step 1:  Click on the  ‘Login’ button

Step 2:  Select the Retail option

Step 3:  Click on ‘Generate Debit Card PIN’ on the Net Banking login page

Step 4:  Enter Customer ID & Date of Birth

Step 5:  Enter the OTP sent on your registered mobile number

Step 6:  Enter the new Debit Card PIN of your choice

Q. I have applied for a replaced YES Bank debit card. Do I need a new PIN for the same?

No, you don’t need a new PIN for a replaced YES Bank debit card. In case of theft or loss of card, a new card with the same PIN will be issued.

Q. Where can I redeem YES Bank Debit Card reward points?

YES Bank Debit Card reward points can be redeemed against a wide array of exciting products and services. Click here to view the YES Rewardz catalogue.

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