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Presenting EMERGE Debit Card for those who have set out in their journey towards success. With this Debit Card, get enhanced benefits and enhanced experience that complements your efforts and expectations in your journey towards success.

key attractions

Higher Transaction Limits

Daily Purchase limit (POS and Ecommerce)
Domestic - INR 3,00,000
International – INR 1,00,000

Complimentary Lounge Access

One Complimentary Access to Domestic Airport Lounge Per Quarter

Movie Benefits

Up to INR 200 off on movie tickets booked through BookMyShow App and Website


Enhanced Advantages:

  • Your EMERGE Debit Card comes with benefits over INR 50,000* Click here for details.

  • Daily cash withdrawal limit of INR 1,00,000

  • Daily Domestic Purchase limit at POS (Point-of-Sale) and Ecommerce of INR 3,00,000*

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

  • Exclusive Welcome Aboard offers worth INR 14,000 to enrich your shopping experience* Click here

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

  • Up to INR 200 off on movie tickets booked through BookMyShow Website and Mobile App, Click here for details.

  • Complimentary access to domestic airport lounges, once per quarter* Click here for details.

  • Green Fee Waiver for accessing select premium golf courses in India* Click here for details
  • Special offers across Dining, Shopping, Travel, Leisure and more* Click here for details

  • 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, shopping, etc.

  • Cross currency mark up of 3%


Security First:

  • Lost Card Liability Protection of up to INR 3,00,000

  • Purchase Protection Insurance of up to INR 25,000

  • Personal Accident Insurance of up to INR 10,00,000

  • Air Accident Death Insurance of up to INR 50,00,000

Click here for the terms and conditions related to insurance coverage



*Powered by Mastercard. Welcome Aboard offers shall be emailed to your registered email id.

Debit Cards issued to Minor will have Domestic ATM and POS limit of INR 15,000 only.

*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 EMERGE Debit Card. Click here to know more

  • Complimentary reward points (2X 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

Key Charges

  • Annual Fee: INR 1,249^*

  • Cash withdrawal (International): INR 120 + taxes extra*

  • Balance enquiry (International): INR 20 + taxes extra*

  • Physical PIN Regeneration: INR 50 + taxes extra (Online PIN generation – Free)*

  • ATM Decline due to insufficient funds: INR 25 per instance*

  • Replacement of lost/stolen card: INR 149 per instance*

  • Cross currency markup: 3%

^YES BANK EMERGE Debit Card with an Annual Fee of INR 1,249 is complimentary for YES Premia Customers subject to meeting the Program Criteria. *GST as applicable will be levied in addition

*GST as applicable will be levied in addition

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