YES Bank Credit Card Transaction Fee Thresholds to Increase from 1st April 2026
YES Bank has announced revisions to certain credit card transaction fee thresholds, effective 1st April 2026. While the fee percentages remain unchanged, the spending limits before charges apply have been increased across utility, transportation, and wallet load transactions.
Utility & Service Transaction Fee
This category previously covered payments like electricity, telecom, maintenance, and other similar services, based on Merchant Category Code (MCC) classifications.
From 1 April 2026:
“Utility transaction fee” will now appear as “Utility & Service transaction fee” in your credit card statement.
The monthly spend threshold before the fee applies has been increased.
New Monthly Limits (after which the fee may apply):
YES Private: ₹1,00,000 (previously ₹50,000)
MARQUEE / RESERV: ₹50,000 (previously ₹25,000)
Other Retail Cards: ₹25,000 (previously ₹15,000)
The fee calculation method remains unchanged, but the relaxed threshold means you can now spend more before a fee is charged, making it easier to manage utility payments without incurring additional costs.
Transportation Fee (Earlier Tolls/Bridge Fee)
Tolls/Bridge transaction fee will now appear as “Transportation fee” in your statement.
Here too, the spend limit before a fee is triggered has been increased.
New monthly limits:
YES Private / MARQUEE / RESERV – ₹75,000 (earlier ₹50,000)
Other retail cards – ₹50,000 (earlier ₹25,000)
There is no change to the fee percentage or calculation method.
Wallet Loading Charges
Starting 1 April 2026, YES Bank has also revised its wallet loading policy, making it more wallet-friendly for users. Here’s the breakdown:
Wallet loads up to ₹2,000 per transaction will now not attract any fee.
Wallet loads above ₹2,000 will attract a 1% charge, with a maximum fee capped at ₹5,000 per transaction.
This applies to MCC 6540 and third-party wallets like Amazon Pay, Paytm, MobiKwik, CRED, and similar platforms (irrespective of MCC).
Important Points to Keep in Mind
Fees are determined based on Merchant Category Codes (MCCs) – these are set by Visa, Mastercard, and RuPay, not by YES Bank.
MCC list is indicative and subject to revision.
These changes will be effective from 1 April 2026.
What Does This Mean for You?
The key takeaway is that YES Bank has increased the spending thresholds before fees apply in utility and transportation categories. This provides additional headroom for users who regularly pay large utility bills or toll charges through their credit cards.
However, wallet load transactions above ₹2,000 will continue to attract a 1% fee, making it important to plan such transactions accordingly.
Many Credit Cards are Undergoing Devaluation
Many popular credit cards are undergoing devaluation. Users should be aware of these so that they can plan credit card spends accordingly.
Listed below are the credit cards which have announced devaluations and upgrades:
Follow SaveSage blog to track all popular credit card devaluations. Also you should try the SaveSage app. This is an AI powered credit card management app which provides smart tips on your credit card points so that you get the full advantage of all your credit card rewards programs.
