YES First Eclectic Business International 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. YES First Business criteria apply to this card.

All guest visits chargeable.

Domestic: lounge walk-in price + INR 2 refundable auth. International: USD 35 per person, non-refundable.

Business sibling of the Eclectic rename: the personal YES First Debit page states Eclectic is the card's former name, so this is the YES First Business Debit Card under its Eclectic branding. Carried in the international BIN table under its own Visa BIN. YES BANK's debit international lounge programme runs on Priority Pass for Visa and Mastercard BINs (prioritypass.com). USD 1 refundable pre-auth on a complimentary visit, USD 35 non-refundable per person on a paid one. International online/e-com transactions must be enabled on the card first.