| Eligible cards / accounts | Eligible YES BANK savings/current/NRI account with an international-capable debit card. Product/programme determines fees, forex markup and maximum limits. | Eligible AU account and international-capable debit-card variant. Some card/account variants are domestic-only or have different fee/forex schedules, so the exact product relationship remains controlling. |
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| International activation | YES BANK states new debit cards are initially enabled for domestic ATM/merchant use; international usage and limits can be activated via IRIS, NetBanking/YES Online or customer care. Card-level limits are manageable through digital channels up to product limits. | AU states online, contactless and international transactions are disabled by default on new debit cards. In AU 0101/NetBanking, customers can switch on International Usage and independently enable/disable ATM, POS, Online and Contactless, confirmed by OTP; website controls are also available. |
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| Channels | Supported international channels include ATM, POS and e-commerce; the bank's security guidance treats domestic e-commerce/contactless and international ATM/POS/e-commerce/contactless as separately controlled states on new cards. | International ATM, POS, online/e-commerce and contactless controls are granular in AU 0101. Limits can be adjusted per channel up to the maximum allowed for the exact card variant. |
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| Overseas ATM | Current retail examples such as YES EXPLORE, ENGAGE, APEX and Premia publish ₹175 cash withdrawal and ₹20 balance enquiry; certain other schedules/products publish different fees, including ₹150 business examples and older/NRI variants. Exact card/account schedule controls. | AU's current service-fee page publishes ₹150 per financial and ₹25 per non-financial overseas ATM transaction for many mainstream Visa/Gold/Platinum/Royale schedules; some premium/NRI/domestic-only products differ, including ₹100 or NA examples. ATM/acquirer surcharges can be additional. |
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| POS / e-commerce | International retail and online usage is available after enablement, subject to the exact card's limits and network/merchant support. Premium variants may pair this with zero cross-currency markup. | Eligible cards support international POS and e-commerce after international usage/channel activation. AU's low-cross-currency guidance says reduced markup requires transacting in foreign/local currency rather than selecting INR through DCC. |
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| Forex markup | Variant-specific: current YES EXPLORE/ENGAGE publish 3%; current APEX, Premia and Aura publish 0%, as do several selected premium/business variants. No bankwide single percentage is inferred. | Variant-specific. AU's current low-cross-currency page lists general AU Debit/AU Business Debit at 3.5%; AU Royale is currently marketed at 2.5%, special CA/CS programmes at 1.5%, and AU Eternity at 0.90%. The service-fee table also contains qualifying 0% card/programme rows. |
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| DCC | A current YES BANK Freedom Flexi business-account schedule effective 1 January 2026 explicitly publishes 1% + GST DCC for debit-card INR transactions at international locations or overseas-registered merchants. Because not every reviewed retail card page exposes DCC, the engine keeps this as schedule-scoped evidence rather than asserting it universally. | AU's July 2026 DCC guidance describes DCC as a merchant/terminal-provider service with a merchant-set exchange rate and recommends paying in local currency. Its low-cross-currency page gives an indicative DCC range that varies by merchant/location; the engine therefore does not record that range as a fixed AU bank debit-card fee. |
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| Limits / controls | Customers can manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. | Customers can set ATM/POS/Online/Contactless limits through AU 0101/NetBanking up to the card variant's maximum. No one international amount is generalized across AU Gold, Platinum, Royale, Eternity, business and NRI cards. |
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| Declines / holds | Disabled international/channel controls, insufficient funds, configured/product limits, overseas merchant/network restrictions or regulatory controls can cause declines. YES BANK also publishes insufficient-funds ATM decline fees on individual card pages. | Transactions may fail if international or the specific channel is disabled, customer/variant limit is exceeded, funds are insufficient, the product is domestic-only or the foreign acquirer/network/regulatory environment blocks it. |
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| Support / recovery | International usage can be controlled digitally; YES BANK publishes domestic and overseas/NRI customer support plus card blocking and grievance routes for unresolved issues. | AU 0101/NetBanking supports blocking, replacement, card controls and fraud reporting; AU's support channels include phone, email, branch, video and complaint routes for unresolved issues. |
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