Yes Bank Lifetime Free Credit Card

Here is the list of all Yes Bank credit card lifetime free:

Below are some of the key Yes Bank lifetime free credit card benefits:

• Zero joining and annual fees. 
• Attractive rewards on UPI transactions, online shopping, dining, and everyday spends.
• If you want free airport lounge visits, you can apply for a lifetime free airport lounge access credit card, such as the YES Bank Zagg Credit Card.
• A virtual RuPay card, such as the YES Bank Klick RuPay Credit Card, offers cashback on UPI scan-and-pay and online purchases. 
• Accelerated reward points on online spends.
• 1% fuel surcharge waiver.
• Welcome and milestone benefits.

Below are the charges associated with the lifetime free Yes Bank credit cards:

• Finance charges: 3.99% p.m. (47.88% p.a.).
• Cash advance fee: 2.5% or Rs. 650, whichever is higher. 
• Late payment charges: Up to 10% of statement balance or Rs. 1,350, whichever is lower.
• Overlimit fee: Rs. 550 + applicable GST.
• Cheque return/ dishonour fee: Rs. 450 per instance. 
• Auto debit failure charges: 2.5% or Rs. 500, whichever is higher, per instance.
• Rental transaction charges: 1% of the transaction value. 
• Wallet load transaction charges: 1% of the transaction value.
• Education fee payment charges: 1% fee + applicable GST.
• Utility & service transaction fee: 1% of the transaction amount + applicable GST.
• Fuel transaction charge: Up to 1% of the transaction amount + GST.
• Transportation fee: 1% of the transaction amount + GST.
• Passenger railways transaction charge: 1% of the transaction amount + GST.
• Rewards redemption fee: Rs. 100 + applicable GST.
• Convenience fee on flight booking through reward points: Rs. 99 + applicable GST.
• Cash deposit fee at Yes Bank branches: Up to Rs. 500 + applicable GST.
• Cheque deposit fee at Yes Bank branches: Rs. 250 + GST.
• Re-issuance of lost, stolen, or damaged card fee: Rs. 100 + GST.
• Dynamic currency conversion charge: 1% of the transaction amount.
• Foreign currency conversion charges: 3.50%.
• Charges on purchase/ cancelation of railway tickets: As prescribed by IRCTC/ Indian Railways.
• TDS on withdrawals above Rs. 1 Crore: 2%. 
• Goods and Services Tax (GST): 18%, applicable on all fees and charges.

If you want a Yes Bank lifetime free credit card, apply online with the following documents:

• Identity proof: PAN Card (mandatory) and Aadhaar Card/ Passport/ Voter's ID/ Driving License.
• Address proof: Aadhaar Card/ Passport/ Utility Bills (less than 3 months old)/ Voter's ID/ Driving License.
• Income proof for salaried: Last 1-2 salary slips (not older than 3 months), Form 16, or last 3 months' bank statements. 
• Income proof for self-employed: Income Tax Returns and computation of income, or audited business financials.

If you want Yes Bank credit card apply lifetime free, follow the steps mentioned below:

• Click on ‘Credit Cards’ on our portal and from the dropdown menu, select the preferred card from the available options. 
• Click the ‘Apply Now’ button and mention all required details.
• Verify your mobile number with the OTP received on your mobile number.
• You will get a call from our credit card representative to assist you in completing the credit card application process.