YES Aura Debit Card

Programme-criteria based, not a card spend gate. YES First / YES First Business / YES Premia: meet the programme criteria for TWO consecutive quarters to unlock complimentary lounge in the third; YES Prosperity: spend INR 5,000 (POS/e-com/contactless) in the current quarter. Either way the cut-off is the 15th of the last month of the quarter (15 Mar / 15 Jun / 15 Sep / 15 Dec). Criteria: YES First - AMB INR 10 lakh OR NRV INR 40 lakh OR net salary credit INR 3 lakh/month OR loan relationship; YES First Business - AMB INR 5 lakh OR NRV INR 40 lakh OR working-capital sanctioned limit INR 1 crore OR trade/forex throughput; YES Premia - AMB INR 2 lakh OR NRV INR 10 lakh OR net salary credit INR 1.5 lakh/month OR loan relationship. New account holders are exempt for 3 months from account opening. NOTE the carve-out: the Apex, Elevate/Image Elevate and Enhance BINs are listed as 'Excluded upgrade cards and BINs' and are NOT subject to this criteria gate.

Not published by the issuer. (no guest entitlement stated)

Lounge walk-in price; INR 2 refundable authorisation per domestic visit.

Value chart: 'Complimentary Lounge Access (3 per quarter)'. Card variant does not appear in the BIN-level 'List of International Lounges (Card variant wise)' table of YES BANK's Debit Card International Lounge Program, so it carries no complimentary international visits.