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YES BANK

Metal

DEBIT

Cardholder Account

Apex Metal Debit Card

Mastercard

YES BANK • Mastercard • Metal Tier

Apex Metal Debit Card

Account-Linked • Zero CIBIL Required

CardIntel Score: 74/100 • Good

Verified

Annual Fee

₹4,999 + GST

Forex Markup

Domestic Lounge

4 visits/quarter + Guest

International Lounge

1 visit/quarter + Guest

Top Advantage & Why It Matters

Heavy metal card with 0% forex, free companion lounges & ₹3,000/yr cashback

Apply on Official Bank Site

Key Benefits & Reward Mechanics

Direct perks documented from YES BANK's official schedule of charges and Most Important Terms and Conditions (MITC).

₹250/month direct cashback on qualifying ₹5,000 monthly spend

4 domestic airport lounges/quarter + guest access included

1 international lounge/quarter + guest access included

0% forex markup on all international transactions

5X to 10X YES Rewardz multipliers, BMS & Zomato dining discounts

Qualifying Benefit Pillars

How this debit card classifies across CardIntel's 5 benchmark categories.

Cash & RewardsQUALIFIES

Direct cashback or accelerated points on POS swipes & online retail spends.

Travel & LoungeQUALIFIES

Domestic or international airport executive lounge access and low forex rates.

Lifestyle & DiningQUALIFIES

Dining privileges, movie ticket discounts (BookMyShow), and golf/wellness access.

Everyday & Fuel

Fuel surcharge waivers across Indian petrol pumps and UPI QR perks.

Protection & InsuranceQUALIFIES

Accidental air/road insurance cover, purchase protection, and lost card liability.

100% Bank MITC Source Provenance

CardIntel never quotes third-party affiliate marketing blurbs. All specifications, lounge access rules, and fee structures for Apex Metal Debit Card are derived directly from YES BANK's official bank filings.

Official Documentation URL:https://www.yes.bank.in/personal-banking/yes-individual/cards/debit-card

Open Official Source

CardIntel Score v1.1

74/100

Good

Holding & Account Checklist

Issuing BankYES BANK

Card NetworkMastercard

Card TierMetal

Annual Fee₹4,999 + GST

Forex Markup0%

Lounge / Qtr4 visits/quarter + Guest

Bank MITC Schedule Back to All Debit Cards

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Apex Metal Debit Card

YES BANK • Metal

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