Spread the love

YES BANK has announced a major revision in its Credit Card fee structure, impacting spending in four important categories: Passenger Railways, Fuel, Tolls & Bridges, and Utility Payments. These revisions take effect from 15 January 2026, and apply based on transaction value as well as cumulative monthly spends.

This article covers all key updates, rules, threshold limits, examples, and the corresponding Merchant Category Codes (MCC) that determine how transactions are classified.

If you are Looking Lifetime Free Yes Bank Credit Card Apply Here

1. Passenger Railways Transaction Charge

YES BANK will now charge a 1% fee + applicable GST on Passenger Railway transactions under two conditions:

When is the fee charged?

Single transaction exceeds ₹30,000, OR
Cumulative monthly spends exceed ₹80,000

Fee Cap:

₹5,000 per transaction

Important Highlight:

This fee is over and above any surcharge/convenience fee charged by IRCTC or railway booking platforms.

Example:

Transaction A: ₹35,000 → Fee ₹350 + GST because it crosses ₹30,000.
Cumulative railway spends = ₹75,000, which is below the ₹80,000 monthly threshold → No extra cumulative fee

2. Fuel Transaction Charge

A 1% fee + GST will be applied if:

Conditions:

Single fuel transaction exceeds ₹10,000, OR
Cumulative fuel spends exceed the monthly threshold

Monthly Thresholds:

Credit Card Variant	Monthly Threshold
YES Private / MARQUEE / RESERV	₹50,000
Other Credit Cards	₹25,000

Fee Cap:

₹5,000 per transaction

Example:

Fuel Transaction B: ₹15,000 → Fee ₹150 + GST
Cumulative fuel spend = ₹30,000, below ₹50,000 → No cumulative fee

3. Tolls & Bridges Transaction Charge

YES BANK will charge 1% + GST under the following:

Conditions:

Single transaction above ₹10,000, OR
Cumulative monthly toll spend above threshold

Thresholds:

Card Variant	Monthly Limit
YES Private / MARQUEE / RESERV	₹50,000
Other Credit Cards	₹25,000

Example:

A toll transaction of ₹15,000 → Fee ₹150 + GST
Cumulative toll spend ₹30,000 → below threshold → No cumulative fee

4. Utility Payments Charge

A 1% fee + GST applies only when cumulative monthly utility spending crosses the card-specific limits:

Thresholds:

Card Variant	Monthly Limit
YES Private	₹50,000
MARQUEE / Others	₹25,000

Example:

Utility Spend = ₹38,000 for MARQUEE (limit ₹25,000) → Fee charged
Qualifying Transactions:

G: ₹18,000 → ₹180 + GST
I: ₹20,000 → ₹200 + GST
Total = ₹380 + GST

If you are Looking Lifetime Free Yes Bank Credit Card Apply Here

5. Understanding How YES BANK Classifies Transactions (MCC Codes)

YES BANK relies on Merchant Category Codes (MCC) defined by Visa, MasterCard, RuPay to identify transaction types.

Key MCC Codes:

Category	MCC Codes
Passenger Railways	4112
Fuel	5172, 5541, 5542, 5983, 9752
Tolls & Bridges	4784
Utility	4900
Education	8211, 8220, 8249, 8299, 8241, 8244
Rent	6513
Wallet Load	6540

Important Note:

MCCs cannot be changed by YES BANK
The list in the is indicative, not exhaustive

6. Deep-Dive: How Fees Are Calculated (Illustrations)

The contains two detailed illustrations showing how single transactions and cumulative monthly spends impact fees.

Illustration 1 – When cumulative limits are NOT breached

Passenger Railways

One big transaction (₹35,000) triggers ₹350 fee, but total month spend (₹75,000) stays below limit → No cumulative fee

Fuel

One transaction above ₹10,000 causes ₹150 fee
Cumulative = ₹30,000 < limit → No further fees

Tolls & Bridges

Transaction ₹15,000 → ₹150 fee
Cumulative = ₹30,000 < limit → No cumulative fee

Utility

Cumulative = ₹17,000 < limit → No fees

Illustration 2 – When cumulative limits ARE breached

Passenger Railways

Single large transaction ₹35,000 → Fee ₹350
Cumulative = ₹90,000 > ₹80,000 limit
All smaller transactions (₹30,000, ₹10,000, ₹15,000) also attract fee
Total: ₹900 + GST

Fuel

Three qualifying transactions: ₹15k, ₹20k, ₹26k
Cumulative = ₹61,000 > ₹50,000 threshold
Total: ₹610 + GST

Tolls & Bridges

Two transactions above ₹10,000 → fees applied
One transaction exactly ₹10,000 also becomes chargeable due to cumulative breach
Total: ₹650 + GST

Utility

Cumulative = ₹38,000 > ₹25,000 threshold
Both transactions get charged
Total: ₹380 + GST

7. Key Takeaways for Cardholders

✔ Monitor high-value transactions

Single large transactions often trigger fees instantly.

✔ Track cumulative spends

Monthly category-wise limits are crucial.

✔ Fees are capped

Maximum ₹5,000 per transaction.

✔ MCC decides everything

How a merchant is classified determines if a fee applies.

✔ Utility and tolls become expensive at higher spend levels

8. Should You Change Your Spending Strategy?

Best Practices:

Split transactions if possible (avoid crossing single-transaction limits)
Use debit card or net banking for railways, fuel, utilities, tolls if approaching thresholds
Keep track of monthly cumulative spends
Use YES BANK card mainly for categories not impacted by new rules

If you are Looking Lifetime Free Yes Bank Credit Card Apply Here

Download or View Official Document of Changes