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YES BANKSalary account

YES BANK Smart Salary Exclusive Account

A zero-balance YES BANK salary account with a free Engage/Bold Debit Card and current digital/payment benefits under the Smart Salary programme.

First-party evidencePublished researchReviewed September 9, 2026Active
Salary / balance conditionNo minimum balance requirement while the account remains in the qualifying Smart Salary Exclusive relationship.
Cost / chargesReviewed 2026 Smart Salary schedule lists Nil AMB requirement for Smart Salary Exclusive and a free Engage/Bold Debit Card; other service charges follow the current schedule.
Limits / allowancesATM and other service allowances follow the current Smart Salary schedule; international debit-card cross-currency markup is listed at 3%.
Ongoing salary ruleEmployer-linked salary relationship; programme treatment depends on current salary-account status.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Salary / balance conditionNo minimum balance requirement while the account remains in the qualifying Smart Salary Exclusive relationship.
02 · Cost / chargesReviewed 2026 Smart Salary schedule lists Nil AMB requirement for Smart Salary Exclusive and a free Engage/Bold Debit Card; other service charges follow the current schedule.
03 · Limits / allowancesATM and other service allowances follow the current Smart Salary schedule; international debit-card cross-currency markup is listed at 3%.
04 · Ongoing salary ruleEmployer-linked salary relationship; programme treatment depends on current salary-account status.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesReviewed 2026 Smart Salary schedule lists Nil AMB requirement for Smart Salary Exclusive and a free Engage/Bold Debit Card; other service charges follow the current schedule.
Salary / balance conditionNo minimum balance requirement while the account remains in the qualifying Smart Salary Exclusive relationship.
Core benefitsFree Engage/Bold Debit Card, YES Rewardz opportunities, digital banking and payment services under the current salary proposition.
Limits / allowancesATM and other service allowances follow the current Smart Salary schedule; international debit-card cross-currency markup is listed at 3%.
Employer / salary eligibilityCorporate salary relationship plus current YES BANK KYC/account-opening requirements; age 18+ under the reviewed product page.
Ongoing salary ruleEmployer-linked salary relationship; programme treatment depends on current salary-account status.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Employees in eligible YES BANK corporate salary relationships who want a no-AMB account with a bundled debit card.

Verify before relying
  • The salary product page and generic lead-form copy can show unrelated AMB text; the current salary schedule is the controlling source for the zero-balance treatment.
  • Debit-card benefits vary by the card variant actually issued.
  • International/ATM service charges remain even when AMB is Nil.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Engage / Bold option

YES BANK Bold Debit Card

YES BANK's current Smart Salary schedule lists Engage / Bold Debit Card as the free card option for Smart Salary Exclusive, subject to programme conditions.

The schedule names Engage/Bold as alternatives, so this edge records Bold as an available option rather than a guaranteed card for every holder.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.