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Presenting ELEMENT Business Debit Card – A Card that has been specially designed to cater to your business’s needs and requirements, thereby complementing your business’s growth. It comes with a host of relevant benefits and privileges along with smart, seamless and secure payment solution that will make your business’s payment journey seamless and gratifying.

key attractions

Higher Transaction Limits

Daily cash withdrawal limit:

INR 1, 00,000

Daily Purchase Limit on POS

Domestic: INR 2, 00,000

International: INR 1, 00,000

Wider Acceptance

Access to over 1.5 million ATMs, and 30 million merchants

Safe and Secure

State-of-the-art CHIP + NFC enabled card enabling contactless payments

Lost Card Liability Protection, and Purchase Protection Insurance making transactions extra secure


Enhanced Advantages:

  • Daily Domestic and International cash withdrawal limit - INR 1,00,000*

  • Daily Domestic Purchase limit at POS (Point-of-Sale) - INR 2,00,000 and Daily International Purchase limit - INR 1,00,000*

  • Fuel surcharge waiver - instant savings on fuel purchase at any petrol pump

  • Unlimited access to over 2 lakh ATMs and acceptance at over 20 lakh Point-of-Sale terminals in India

  • Worldwide access to over 1.5 million ATMs and over 30 million merchants

  • Convenience of contactless payments through state-of-the-art CHIP + NFC enabled card

  • Special offers on travel, lifestyle and fine dining^

  • Safe and Secure transactions due to enhanced encryption standards of Chip Cards

  • Enabled for online transactions such as travel, utility payments, etc.


Security First:

  • Lost Card Liability Protection up to INR 100,000

  • Purchase Protection Insurance up to INR 25,000

  • Personal Accident Insurance up to INR 5,00,000**

  • Air Accident Death Insurance up to INR 15,00,000**

Click here for terms and conditions of the Lost Card Liability Protection.

Click here for terms and conditions of the Accidental and Purchase protection Coverage.

*As per RBI guidelines on Enhancing Security of Card Transactions, per transaction Domestic Online, Contactless and International limits on all newly issued/re-issued Debit Card is disabled. Per transaction limits can be managed/set through YES ONLINE (NetBanking). To know the detailed steps, Click Here. NOTE- Only Domestic Cash withdrawal at ATMs and Purchase at Point-of-Sale merchant establishments/store/shop is enabled on the card.

*In accordance with the Finance Bill, 2021 notification dated July 1, 2021 on Section 206CCA related to Tax Collected at Source (TCS), TCS will be charged at a higher rate (up to 10%) for Specified Persons who perform international transaction(s) under Liberalised Remittance Scheme with YES BANK Debit Card. For details, view FAQs

**There should be minimum one purchase transaction of INR 1,000 or more within 30 days prior to date of demise of the cardholder to be eligible for the complimentary Personal/Air Accident coverage.

^Terms & Conditions apply. Powered by Mastercard.


  • Enjoy exciting offers on your ELEMENT Business Debit Card. Click here to know more
  • Complimentary 1X reward points for simply transacting with your Debit Card. These points can be redeemed against a wide array of exciting products and services on YES Rewardz at

Key Charges

  • Annual Fee: INR 349*

  • Cash withdrawal (International): INR 120*

  • Balance enquiry (International): INR 20*

  • Physical PIN generation/regeneration: INR 50* (Online PIN generation/regeneration: Free.)

  • ATM decline due to insufficient funds: INR 25*

  • Replacement of lost/stolen card: INR 199*

  • Cross currency markup: 3%

* GST as applicable will be levied in addition.

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