CardIQIndia
Verified by CardIQ admin · last checked 05 Jul 2026
36
#20 of 70 in debit
Yes Bank

YES BANK Venture Debit Card

debitVenture Business International

A significant card for your significant Business Expenses featuring domestic and international lounge access, golf access, and up to 3X-4X reward points.

Score breakdown

Data completeness: 70% · Last verified: 06 Jul 2026

Reward value21/100 · weight 65%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, wallet_load, rent, fuel, insurance. Reward score is scaled by ×(1 − 4.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency63/100 · weight 11%
Redemption flexibility87/100 · weight 8%
Perks34/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹2,499 + 18% GST
= ₹2,949 / year total
Forex markup
0%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendspoints1.00%(4 pts @ ₹0.25)—Up to 4x on international retail transactions.
all_spendspoints0.75%(3 pts @ ₹0.25)—Up to 3x on domestic retail transactions. Excludes Rental, Wallet, Fuel, Government, Marketing, Cash withdrawals, Insurance, Loans, and EMI.

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

FuelWallet loadsRent paymentsGovernment transactionsMarketing/advertising MCCsCash withdrawalsLoan repaymentsEMI & Instant EMIInsurance sales/underwritingReversed/refunded transactions

Point value by redemption mode

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

gift vouchers1 RP = ₹0.25
merchandise1 RP = ₹0.20
travel booking1 RP = ₹0.25
cashback1 RP = ₹0.25

What's inside

Experience

  • Domestic Golf Privileges

    Complimentary domestic golf access at partner courses (terms apply)

    yearly.

Earn every day

  • Higher Purchase & ATM Withdrawal Limits

    Elevated daily POS/ecom purchase and ATM withdrawal limits vs standard debit cards

    yearly.

  • Contactless Visa/Mastercard Acceptance

    Tap-to-pay and worldwide acceptance on Visa/Mastercard network

    yearly.

Lifestyle

  • BookMyShow BOGO / 50% Off

    50% off on movie tickets via BookMyShow, up to ₹1,000 per transaction (offer terms apply)

    Cap ₹1,000 / monthly.