YES Bank AI Inside
KeepFree forever, and YES charges nothing at all to spend abroad on it.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until YES Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #477
Why #477 Lifetime free with a zero foreign-currency markup and no dynamic-conversion fee — the strongest forex position of any free card on this board — and YES publishes no reward rate for it at all. Carried on the fee and the forex, not valued on the earn.
The take
AI Inside has one line worth the whole card, and it is in the regulatory document rather than the marketing: "Foreign currency conversion charges and Dynamic currency conversion charges are not applicable to Uni Credit Card, Uni RuPay Virtual, AI Inside, AI Inside RuPay Virtual and NIYO Credit Card." Zero markup and zero dynamic-conversion fee against an Indian norm of 3.5% plus 1%. On ₹2 lakh of foreign spend that is ₹9,000 the card does not take — more than most travel cards' entire annual value — and it costs nothing to hold, because YES files this one in its lifetime-free block. The rest of the small print is unusually favourable too, which is the tell that YES treats this as a premium chassis rather than a giveaway. Cash advances are free: "Cash advance fee is waived for YES Private and AI Inside Credit Card" — a two-card list, and the other name on it is the ₹50,000 flagship. The fuel surcharge waiver runs ₹400 to ₹5,000 and caps at ₹750 a statement cycle, third only to YES Private and Marquee. Utility and fuel penalty fees do not bite until ₹50,000 of category spend in a calendar month, and the toll threshold is ₹75,000 — in each case the premium tier's number, shared with YES Private, Marquee, Reserv and Uni. What is missing is everything about rewards. YES publishes no rate for this card anywhere: no rewards module, no MITC earn line, and no AI Inside row in the utility reward-points capping table that names fourteen other variants. There is also no lounge access — the card is absent from the MITC's domestic lounge threshold table. So take it for what is written down: a free card that is the cheapest way YES sells to spend money abroad, with an unknown benefit on top.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Jun 2026 YES's ₹100 redemption fee reaches Marquee and Reserv issuer-wide
- 15 Jun 2026 YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step issuer-wide
- 1 Apr 2025 YES lounge gate triples to ₹1 lakh on Marquee and Reserv issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Zero foreign-currency markup and zero dynamic-conversion fee — the MITC exempts AI Inside by name
- Lifetime free — NIL in both fee columns of the MITC's membership grid
- Cash advance fee waived, a courtesy YES extends to exactly two cards — this one and its ₹50,000 flagship
- Fuel surcharge waived between ₹400 and ₹5,000, up to ₹750 a statement cycle — third-highest on YES's shelf
- Utility and fuel penalty fees only bite above ₹50,000 of category spend a month; tolls above ₹75,000
Watch out
- YES PUBLISHES NO REWARD RATE for this card — no rewards module, no MITC earn line, and no row in the utility-points capping table
- No lounge access — AI Inside is absent from the MITC's domestic lounge threshold table
- Revolving credit costs 3.99% a month, and cash advances still carry that finance charge from day one even though the fee is waived
- Above ₹50,000 of utility spend in a calendar month, a 1% fee applies to those transactions
- The RuPay Virtual edition takes a lower fuel-waiver cap of ₹125 a cycle against this card's ₹750
What these points actually fly
YES Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official YES Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Lifetime free: the membership-fee grid puts AI Inside in its NIL / NIL row alongside the RuPay virtual cards, with no spend threshold to meet because there is nothing to waive. It then collects two exemptions the rest of the shelf does not get — the cash-advance fee, waived by name beside YES Private, and both foreign-currency charges. Utility spends are charged 1% + GST only past ₹50,000 in the previous calendar month, double the ₹25,000 that applies to “all other cards”. Absent from the domestic-lounge threshold table.
per the official YES Bank MITC · reviewed 10 Jul 2026
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and ReservMarquee and Reserv exempt from the ₹100-per-redemption fee; card reissuance ₹100–₹200 by variant → ₹100 fee on every redemption request, premium cards included, plus a ₹99 booking fee on YES Rewardz flights; reissuance ₹199; fuel-surcharge waiver window revised
The exemption that let Marquee and Reserv holders pretend the ₹100 redemption fee was someone else's problem is gone. From 15 June 2026 every YES card pays ₹100 per redemption request, and booking a flight through YES Rewardz — the only place the points are worth their ₹0.25 — stacks a ₹99 booking fee on top. On a card whose whole pitch is settling 4.5% online earnings in portal travel, YES now charges you twice at the exit.
- 15 Jun 2026YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step
- 15 Jun 2026Reserv's forex markup goes 1.75% to 2%
- 1 Apr 2025YES lounge gate triples to ₹1 lakh on Marquee and Reserv
- 1 Apr 2025Government and ad spends stop earning on 13 YES cards
- 1 Dec 2024YES caps travel redemptions at 70% of the invoice
- 15 Dec 2023YES returns to super-premium with the Marquee
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official YES BANK MITC (CMITC_V18_07082026) — AI Inside in the lifetime-free fee row, exempt by name from both the foreign-currency and dynamic-conversion charges, and its waived cash advance fee
- official YES BANK's AI Inside card path — no product content is served at it, which is why the MITC is the only document behind this card