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Spirit Debit Card
Visa
YES BANK • Visa • Signature Tier

Spirit Debit Card

Account-Linked • Zero CIBIL Required
CardIntel Score: 49/100 • Weak
Verified
Annual Fee
₹999 + GST
Forex Markup
0%
Domestic Lounge
1 visit/quarter
International Lounge
None
Top Advantage & Why It Matters

Zero forex markup combined with golf privileges and domestic lounge access

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).

0% forex markup on international online & in-person merchant POS
Domestic lounge access and complimentary golf rounds
Accident insurance coverage up to ₹15 Lakh

Qualifying Benefit Pillars

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

Cash & Rewards

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 Spirit 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

49/100
Weak

Holding & Account Checklist

Issuing BankYES BANK
Card NetworkVisa
Card TierSignature
Annual Fee₹999 + GST
Forex Markup0%
Lounge / Qtr1 visit/quarter
Bank MITC ScheduleBack to All Debit Cards
Spirit Debit Card
YES BANK • Signature
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