Devaluation Yes bank new series of devaluation continues - Dec 2025

[pinki]

1/ 📢 Important Update on Charges
YES BANK has revised certain credit card charges effective 15th January 2026. These changes apply to specific transaction categories including Passenger Railways.


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2/ 🚆 Passenger Railways Transaction Charge

A 1% fee + GST will be charged if:
✔ A single transaction amount > ₹30,000, OR
✔ Total monthly spend in this category exceeds ₹80,000.

Fee is capped at ₹5,000 per transaction.

This is in addition to any railway booking platform convenience fees.



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3/ ⛽ Fuel Transactions

Similar charge: 1% + GST if:
✔ A transaction > ₹10,000, OR
✔ Monthly fuel spends above threshold.

Fee capped at ₹5,000 per transaction.

Threshold depends on card variant.



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4/ 🛣 Tolls & Bridges Charge

1% + GST if:
✔ A toll/bridge transaction > ₹10,000, OR
✔ Monthly spends above threshold.

Fee capped at ₹5,000 per transaction.



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5/ 💡 Utility Payments

1% + GST will be charged on utility transactions once monthly spend exceeds the threshold.

Fee capped at ₹5,000 per transaction.



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6/ 📊 Threshold Levels by Card Type
Different credit cards have different monthly spend thresholds for these categories (e.g., YES Private / MARQUEE / RESERV cards vs. other cards).


More details inside the pdf ::

https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT359F82979C8341DBA4AC6F65FF98849A/native/passengerrailwayssms.pdf?download=false

 

[Aniket Sharma]

1/ 📢 Important Update on Charges
YES BANK has revised certain credit card charges effective 15th January 2026. These changes apply to specific transaction categories including Passenger Railways.


---

2/ 🚆 Passenger Railways Transaction Charge

A 1% fee + GST will be charged if:
✔ A single transaction amount > ₹30,000, OR
✔ Total monthly spend in this category exceeds ₹80,000.

Fee is capped at ₹5,000 per transaction.

This is in addition to any railway booking platform convenience fees.



---

3/ ⛽ Fuel Transactions

Similar charge: 1% + GST if:
✔ A transaction > ₹10,000, OR
✔ Monthly fuel spends above threshold.

Fee capped at ₹5,000 per transaction.

Threshold depends on card variant.



---

4/ 🛣 Tolls & Bridges Charge

1% + GST if:
✔ A toll/bridge transaction > ₹10,000, OR
✔ Monthly spends above threshold.

Fee capped at ₹5,000 per transaction.



---

5/ 💡 Utility Payments

1% + GST will be charged on utility transactions once monthly spend exceeds the threshold.

Fee capped at ₹5,000 per transaction.



---

6/ 📊 Threshold Levels by Card Type
Different credit cards have different monthly spend thresholds for these categories (e.g., YES Private / MARQUEE / RESERV cards vs. other cards).


More details inside the pdf ::

https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT359F82979C8341DBA4AC6F65FF98849A/native/passengerrailwayssms.pdf?download=false

Not getting anybody harmed as these seems genuine charges for avoiding commercial use of retail cards.

 

[pinki]

Not getting anybody harmed as these seems genuine charges for avoiding commercial use of retail cards.

True .
Using kiwi on retail spends only 😝

 

[HumorSimpson]

True .
Using kiwi on retail spends only 😝

Same here. So it doesn't matter to me.

 

[SSV]

Yes.. Received the following email from YES Bank for my Marquee CC..




All the details are there in the attached PDF..

https://www.yes.bank.in/pdf?name=passengerrailwayssms.pdf

1/ 📢 Important Update on Charges
YES BANK has revised certain credit card charges effective 15th January 2026. These changes apply to specific transaction categories including Passenger Railways.


---

2/ 🚆 Passenger Railways Transaction Charge

A 1% fee + GST will be charged if:
✔ A single transaction amount > ₹30,000, OR
✔ Total monthly spend in this category exceeds ₹80,000.

Fee is capped at ₹5,000 per transaction.

This is in addition to any railway booking platform convenience fees.



---

3/ ⛽ Fuel Transactions

Similar charge: 1% + GST if:
✔ A transaction > ₹10,000, OR
✔ Monthly fuel spends above threshold.

Fee capped at ₹5,000 per transaction.

Threshold depends on card variant.



---

4/ 🛣 Tolls & Bridges Charge

1% + GST if:
✔ A toll/bridge transaction > ₹10,000, OR
✔ Monthly spends above threshold.

Fee capped at ₹5,000 per transaction.



---

5/ 💡 Utility Payments

1% + GST will be charged on utility transactions once monthly spend exceeds the threshold.

Fee capped at ₹5,000 per transaction.



---

6/ 📊 Threshold Levels by Card Type
Different credit cards have different monthly spend thresholds for these categories (e.g., YES Private / MARQUEE / RESERV cards vs. other cards).


More details inside the pdf ::

https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT359F82979C8341DBA4AC6F65FF98849A/native/passengerrailwayssms.pdf?download=false

 

[Heehaahee]

Don't stop now

 

[n69b]

Ye railway pe already surcharge lagta tha ab kya double lagega

 

[HumorSimpson]

Ye railway pe already surcharge lagta tha ab kya double lagega

Charge kabhi sar pein kabhi paav 🦵 pe,
paise to hamara jeb se

 

[pinki]

They reduced the monthly free spend limit i think

Ye railway pe already surcharge lagta tha ab kya double lagega

 

[nik007rock]

Utility fee 5k per transaction? Cap so basically 5k *3 transaction only can be done else less than 5k unlimited until 15000 ?is my understanding correct ?

 

[pinki]

Utility fee 5k per transaction? Cap so basically 5k *3 transaction only can be done else less than 5k unlimited until 15000 ?is my understanding correct ?

No ...

Utility Payment Charge: 1% of the transaction amount + applicable GST will be charged on all
Utility transactions if the cumulative spends on Utility category exceeds the below mentioned
threshold amount in a calendar month.
Fee will be capped at INR 5,000 per transaction.
Credit Card variant Threshold--Amount (INR)
YES Private 50,000
MARQUEE 25,000
Other Credit Cards 15,000

 

[pinki]

Utility fee 5k per transaction? Cap so basically 5k *3 transaction only can be done else less than 5k unlimited until 15000 ?is my understanding correct ?

Fee is capped at 5k
And not that u have to do less than 5k txn .