{
  "id" : "CORE2FF255E343034708842665D76FB83C90",
  "type" : "ybl-sa-disclaimer-Accordion",
  "typeCategory" : "ContentType",
  "name" : "reserve_glossary_yes_first_exclusive_credit_card",
  "description" : "aannyyyyy............",
  "createdBy" : "fwadmin",
  "createdDate" : {
    "value" : "2023-12-08T07:45:08.731Z",
    "timezone" : "UTC"
  },
  "updatedBy" : "NCC2100667@YESBANK.IN",
  "updatedDate" : {
    "value" : "2026-07-13T04:12:27.322Z",
    "timezone" : "UTC"
  },
  "slug" : "1481796001152-reserve_glossary_yes_first_exclusive_credit_card",
  "repositoryId" : "",
  "language" : "en-IN",
  "translatable" : true,
  "status" : "draft",
  "isPublished" : false,
  "languageIsMaster" : true,
  "version" : "0.1",
  "fileExtension" : "ContentItem",
  "scheduled" : false,
  "tags" : {
    "data" : [ {
      "name" : "amount"
    }, {
      "name" : "bank"
    }, {
      "name" : "card"
    }, {
      "name" : "credit"
    }, {
      "name" : "fee"
    }, {
      "name" : "fuel"
    }, {
      "name" : "gas"
    }, {
      "name" : "insurance"
    }, {
      "name" : "marketing"
    }, {
      "name" : "mastercard"
    }, {
      "name" : "mcc"
    }, {
      "name" : "oil"
    }, {
      "name" : "petroleum"
    }, {
      "name" : "premiums"
    }, {
      "name" : "retail"
    }, {
      "name" : "schools"
    }, {
      "name" : "secondary"
    }, {
      "name" : "transactions"
    }, {
      "name" : "valid"
    }, {
      "name" : "visa"
    } ]
  },
  "fields" : {
    "title" : "Terms and Conditions",
    "paragraph" : "<p class=\"c-disclaimerAccordion__accordionText\"><u style=\"text-decoration:underline\"><strong>Glossary</strong></u></p>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">a)Prior to 15th June 2026 valid on retail purchases only. Not applicable on UPI transactions on RuPay Credit Card, Rent, Wallet and fuel Government &amp; Marketing / Advertising category transactions, Cash withdrawals, Cash Advance Fee &amp; Charges, Post Purchase EMI, EMI on Call &amp; Instant EMI transactions.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<center>\r\n<table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" style=\"height:131px; width:718px\">\r\n\t<tbody>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\"><strong>Category</strong></span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\"><strong>MCC</strong></span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Rental</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;6513</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Wallet Load</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;6540</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Fuel</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;5172,5541,5542,5983,9752</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Government Services MCC</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;9034,9211,9222,9223,9311,9399,9402,9405,9700,9701,9702,9751,9754,9950</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Marketing/Advertising MCC</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;5960,5962,5964,5965,5966,5967,5968,5969,7311</span></td>\r\n\t\t</tr>\r\n\t</tbody>\r\n</table>\r\n</center>\r\n\r\n<div style=\"overflow-x:auto\">\r\n<center>\r\n<center>&nbsp;</center>\r\n</center>\r\n</div>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">Effective 15th June 2026:Valid on retail purchases only. Not applicable on UPI transactions on RuPay Credit Card, Rent, Wallet and fuel Government &amp; Marketing / Advertising category transactions, Cash withdrawals, Cash Advance Fee &amp; Charges, Post Purchase EMI, EMI on Call &amp; Instant EMI transactions, Insurance, Education, Railways, Toll &amp; Ferry.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<center>\r\n<table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" style=\"height:131px; width:718px\">\r\n\t<tbody>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\"><strong>Category</strong></span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\"><strong>MCC</strong></span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Rental</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;6513</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Wallet Load</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;6540</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Fuel</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;5172,5541,5542,5983,9752</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Government Services MCC</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;9034,9211,9222,9223,9311,9399,9402,9405,9700,9701,9702,9751,9754,9950</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Marketing/Advertising MCC</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;5960,5962,5964,5965,5966,5967,5968,5969,7311</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Insurance</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;6300, 6381</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Education</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;8211, 8220, 8249, 8299, 8241, 8244, 7911</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Railways</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;4112, 4011</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Toll</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;4784</span></td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:205.586px\"><span style=\"font-size:12px\">Ferry</span></td>\r\n\t\t\t<td style=\"height:19.2383px; text-align:center; width:508.652px\"><span style=\"font-size:12px\">&nbsp;4111</span></td>\r\n\t\t</tr>\r\n\t</tbody>\r\n</table>\r\n</center>\r\n\r\n<div style=\"overflow-x:auto\">\r\n<center>\r\n<center>&nbsp;</center>\r\n</center>\r\n</div>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">b) Maximum Capping of Rewards Points per statement cycle 36000.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">c)Prior to 15th June 2026 valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories. Not valid on EMI on Call &amp; Instant EMI transactions. Capping of YES Rewardz Points earned on Utility Spends (MCC 4900) is 750 per statement cycle.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<table border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"border-collapse:collapse; border-spacing:0px; border-width:1px; height:825.271px; margin-left:240px; width:66.2432%\">\r\n\t<tbody>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\"><strong>MCC</strong></span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\"><strong>Description</strong></span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">4899</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Cable, Satellite and Other Pay Television/Radio/Streaming Services</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">4900</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Utilities&mdash;Electric, Gas, Heating Oil, Sanitary, Water</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">6300</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Insurance Sales, Underwriting, and Premiums</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">6381</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Insurance Premiums</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8211</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Schools, Elementary and Secondary</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8220</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Colleges, Universities, Professional Schools, and Junior Colleges</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8241</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Schools, Correspondence</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8244</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Schools, Business and Secretarial</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8249</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Schools, Trade and Vocational</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:95.1458px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">8299</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:95.1458px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Schools and Educational Services&mdash;not elsewhere classified</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t</tbody>\r\n</table>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">Effective 15th June 2026: Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories. Not valid on EMI on Call &amp; Instant EMI transactions. Capping of YES Rewardz Points earned on Utility Spends (MCC 4900) is 750 per statement cycle.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<table border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"border-collapse:collapse; border-spacing:0px; border-width:1px; height:825.271px; margin-left:240px; width:66.2432%\">\r\n\t<tbody>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\"><strong>MCC</strong></span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\"><strong>Description</strong></span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">4899</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:95.0625px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Cable, Satellite and Other Pay Television/Radio/Streaming Services</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t\t<tr>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px\" width=\"64\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">4900</span></p>\r\n\t\t\t</td>\r\n\t\t\t<td style=\"border-width:1px; height:67.5px; text-align:right\" width=\"648\">\r\n\t\t\t<p align=\"center\"><span style=\"font-size:12px\">Utilities&mdash;Electric, Gas, Heating Oil, Sanitary, Water</span></p>\r\n\t\t\t</td>\r\n\t\t</tr>\r\n\t</tbody>\r\n</table>\r\n\r\n<center>&nbsp;</center>\r\n\r\n<ul>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">d) Terms and conditions apply. <a href=\"https://www.yesbank.in/pdf?name=ybl_yes_bank_terms_n_conditions_yes_bank_credit_cards.pdf\" rel=\"noopener\" target=\"_blank\">Click here</a> to view T&amp;C and The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers.</p>\r\n\t</li>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">e) Terms and Conditions applied. Domestic Lounge Access is subject to meeting Spends threshold. <a href=\"https://www.yesbank.in/pdf?name=yesbank_creditcard_tnc.pdf\" rel=\"noopener\" target=\"_blank\">Click here</a> to view Terms and Conditions and list of eligible Domestic Lounges. Please visit <a href=\"https://www.prioritypass.com/\" rel=\"noopener\" target=\"_blank\">www.prioritypass.com</a> to view the eligible International Lounges. For International Lounge access, a refundable authorization amount of $1 shall be charged on each eligible card presented at the entrance to the Participating Lounge, as a transaction for validation.For RuPay variant cards: a refundable authorization amount of upto $35 shall be charged on each eligible card presented at the entrance to the Participating Lounge; visit <a href=\"https://www.loungekey.com/yesbankrupaycc\">https://www.loungekey.com/yesbankrupaycc</a> to view the eligible International Lounges.</p>\r\n\t</li>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">f) Total waiver in statement cycle is capped at INR 500. Only surcharge will be waived, GST as levied on surcharge will not be waived. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks. Applicable Transaction Range for Fuel Surcharge Waiver prior to 15th June 2026 is INR 400 &ndash; INR 5,000.</p>\r\n\t</li>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">g) To know more about purchase protection plan. <a href=\"https://www.yesbank.in/pdf?name=yesbank_purchase_protection_faq.pdf\" rel=\"noopener\" target=\"_blank\">Click here</a></p>\r\n\t</li>\r\n\t<li class=\"c-disclaimerAccordion__accordionText\">\r\n\t<p class=\"c-disclaimerAccordion__accordionText\">h) Foreign Currency Markup applicable prior to 15th June 2026 is 1.75%</p>\r\n\t</li>\r\n</ul>\r\n"
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