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YES BANKDebit card

YES BANK YES First Debit Card

A premium programme debit card for YES First customers with lounge access, zero cross-currency markup and accelerated rewards under current YES First rules.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Cost / chargesJoining/annual card fee is waived for customers who remain part of the YES First programme; non-programme treatment should be checked before downgrade.
Linked accountNo standalone balance requirement; the controlling requirement is the YES First programme relationship and linked eligible account.
Transaction limitsTransaction limits are governed by the current YES First debit-card/account controls and can be user/bank-set below product maxima.
Core benefitsCurrent programme material lists domestic/international lounge access, zero cross-currency markup, 4x YES Rewardz on eligible domestic/international spends and lifestyle offers.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 8, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesJoining/annual card fee is waived for customers who remain part of the YES First programme; non-programme treatment should be checked before downgrade.
02 · Linked accountNo standalone balance requirement; the controlling requirement is the YES First programme relationship and linked eligible account.
03 · Transaction limitsTransaction limits are governed by the current YES First debit-card/account controls and can be user/bank-set below product maxima.
04 · Core benefitsCurrent programme material lists domestic/international lounge access, zero cross-currency markup, 4x YES Rewardz on eligible domestic/international spends and lifestyle offers.
Exact product-type evidence

Debit card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Source-dated lounge entitlement

Current lounge access conditions

Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.

Domestic airport2 complimentary domestic airport lounge visits per quarter on the current YES BANK debit-card directory.
International airport2 complimentary international airport lounge visits per year on the current YES BANK debit-card directory.
Railway loungeNo railway-lounge entitlement is stated for YES First Debit Card in the reviewed current issuer material.
Visit quotaDomestic: 2 per quarter. International: 2 per year.
QualificationThe lounge benefit is subject to YES First programme eligibility criteria. The reviewed current debit-card directory does not publish a separate card-spend threshold for this exact YES First Debit Card entitlement.
Network / programmeYES BANK YES First debit-card domestic/international airport lounge programme.
Access methodUse the active eligible YES First Debit Card under the current participating lounge validation process and programme eligibility rules.
Guest / add-onNo complimentary guest allowance is stated for YES First Debit Card in the reviewed current debit-card directory.
Beyond allowanceVisits beyond the published quota are not treated as complimentary and remain subject to current lounge/network charges.
Effective stateCurrent reviewed YES First terms
Scope checks
  • YES First programme eligibility and the card's lounge quota are separate requirements.
  • Do not reuse the materially larger YES Private or APEX lounge allowances for YES First.
Compare lounge entitlementsOpen lounge source ↗
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesJoining/annual card fee is waived for customers who remain part of the YES First programme; non-programme treatment should be checked before downgrade.
Linked accountNo standalone balance requirement; the controlling requirement is the YES First programme relationship and linked eligible account.
Core benefitsCurrent programme material lists domestic/international lounge access, zero cross-currency markup, 4x YES Rewardz on eligible domestic/international spends and lifestyle offers.
Transaction limitsTransaction limits are governed by the current YES First debit-card/account controls and can be user/bank-set below product maxima.
EligibilityYES First programme customers; current programme material says Resident and NRE accounts can receive YES First Debit Card while NRO holders receive a domestic card.
Account relationshipAnnual-fee waiver and programme card treatment depend on active YES First membership.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

YES First members who travel internationally or can use the programme's lounge, reward and lifestyle benefits enough to justify maintaining the relationship.

Verify before relying
  • Lounge access is subject to maintaining programme criteria.
  • Zero cross-currency markup does not remove DCC or merchant-side currency-conversion risk.
  • Programme downgrade can change card pricing and benefits.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Fee-waived in YES First

YES FIRST Banking Programme

YES BANK explicitly includes a complimentary YES First Debit Card in the YES First programme and waives the annual fee while the customer remains part of the programme.

Programme criteria must continue to be met; lounge and other debit-card privileges remain subject to current card/programme terms.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.yes.bank.in
Open source ↗02
Additional first-party evidencewww.yes.bank.in
Open source ↗03
Additional first-party evidencewww.yes.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.