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Presenting ELEMENT Debit Card for those who are ready to go the distance chasing their dreams and passions, to those who spend their lives making memories and sharing moments. With this debit card, experience host of privileges and lifestyle benefits along with smart, seamless and secure payment solution.

Please Note : For savings account holders Debit Card will be issued on MasterCard platform. For salary account holders Debit Card will be issued on VISA platform.

key attractions

Higher Transaction Limits

Daily cash withdrawal limit: INR 30,000

Daily Purchase limit (POS and Ecommerce):

Domestic: INR 1,00,000

International: INR 1,00,000

Golf Course Access

15% Green Fee waiver for accessing select Golf courses in India*

Safe and Secure

Contactless payments through state-of-the-art CHIP + NFC enabled card


Enhanced Advantages:

  • Daily cash withdrawal limit INR 30,000

  • Daily domestic purchase limit at POS (Point-of-Sale) and Ecommerce: INR 1,00,000*

  • Daily international purchase limit at POS (Point-of-Sale) and Ecommerce: INR 1,00,000*

  • 15% Green Fee waiver for accessing select Golf courses in India (only for VISA cards)*

  • Privileges across dining, shopping, travel, leisure and more

  • 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

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


* Debit Cards issued to Minor will have Domestic ATM and POS limit of INR 5000 only


Security First:

  • Lost card liability protection up to INR 1,00,000

  • Purchase protection insurance up to INR 25,000

  • Personal accident insurance up to INR 2,00,000

Click here for the terms and conditions related to insurance 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 manage/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


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

Key Charges

  • Annual Fee: INR 249* (Upgrade for Savings Account customers)

  • Annual Fee: INR 99/-+GST for NRO customers

  • Cash withdrawal (International): INR 120*

  • Balance enquiry (International): INR 20*

  • Physical PIN regeneration: INR 50* (Online PIN generation - 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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