Yes Bank Credit Card Statement
Yes Bank is one of the leading private sector banks in India. From time to time, Yes Bank has been offering a wide range of financial products with attractive benefits to their customers. From home loan and personal loans to investment option and wealth management services, they offer it all. Yes Bank credit cards are one of the popular cards in India. Yes Bank credit cards are known for best interest rates, excellent reward program, contactless payments, and many other benefits. Yes Bank credit cardholders get their credit card statements every month to their registered mailing address or email ID. The cardholders will be able to get all the information pertaining to their credit card transactions by taking a look at the credit card statements.
What Is A Credit Card Statement?
Every credit card provider sends a credit card statement at the end of every billing cycle to their cardholders. It is like a summary of your credit card details that are generated every month. This credit card statements contain important information about the usage of the card like the total due amount on the card, the minimum due amount, transaction details, and due date. At first, a credit card statement may look overwhelming but if you read through the details, it is self-explanatory.
Yes Bank credit cardholders can choose if they want the statement to send to their email ID or via post. Most cardholders choose e-statements as they are environmentally-friendly.
The Benefits Of Yes Bank Credit Card Statement
Yes Bank credit card statements are very beneficial as they contain all transaction-related information about the credit card. Taking a closer look at the credit card statements will help cardholders manage their personal finance better.
- As mentioned earlier, cardholders will be able to manage their personal finances better when they analyse their credit card statements. As every transaction is tracked in the statement, cardholders can analyse their spending habits and budget better.
- Yes Bank credit cardholders can save their credit card statements on their phone or laptop which makes it easily accessible.
- As this is a free service offered by the credit cardholder, cardholder does not have to pay anything additional.
- Yes Bank credit card statements can be downloaded through netbanking. If the cardholder has any disputes, he/she can download the statements and use it as proof.
Understanding Your Yes Bank Credit Card Statement
Yes Bank credit card statements are simple and self-explanatory. However, there could be certain terminologies that might require explanation. Some of the important information cardholders have to check as follows:
Credit card statement period: On the top of your Yes Bank credit card statement, you will be able to see the statement period. A statement period is very important as it indicates the interest-free days on your credit card. Usually, when you use your credit card, you will not be charged interest if you repay the entire due amount within a certain period of time. A statement period will help you calculate the interest-free days within which you can make the payment and pay nothing additional.
Due date: Again, on the top corner of your Yes Bank credit card statement, you will be able to see the due date. This is the date by which you will have to pay either the total due amount or the minimum due amount. If there is a delay in making payments, late fees may be charged and your credit score will be affected negatively.
The total due amount and minimum due amount: On the top corner of your credit card statement, you will be able to see the total due amount and the minimum due amount. The total due amount is the total outstanding amount that is due on your credit card. However, the minimum due amount is the minimum amount you will be required to pay to avoid late fees, deactivation of your card, and negative credit score reporting.
Charges: This section of the credit card statement lists the total charges that have been levied on your card. It is recommended to be attentive when reading this section of your statement as it will help you verify the legitimacy of the transactions that are listed on your card.
Debit and credit transactions: In your Yes Bank credit card statement, you will be able to see all the debit and credit transactions of your card. The debit transactions indicate the payments you made using your credit card and the credit transactions indicates the refunds you received. If you are waiting for a refund, you will be able to check is it was successfully processed in this section. However, refunds usually take time to process. If it is not listed in your current credit card statement, it may appear in your next statement.
Your Yes Bank credit card statement may contain other information such as:
- The available credit limit on the card
- Past dues, if any
- Reward points earned if any
- Available cash withdrawal limit
How To Avail Yes Bank Credit Card Statement Online As Well As Offline
To be environmentally-friendly, Yes Bank recommends their cardholders to subscribe for e-statements which will be sent to his/her registered email ID. However, if you prefer a hard copy of your statements, you can request Yes Bank to send a copy to your registered mailing address.
You can subscribe to e-statements by logging into your Yes Bank netbanking account. Alternatively, you can also call the Yes Bank customer care number and request them to send you the e-statement instead of hard copies. You can also get a copy of your credit card by visiting the nearby Yes Bank branch office.
Faqs On Yes Bank Credit Card Statement
- How can I Pay my Yes Bank credit card bill?
If you are an existing Yes Bank account holder, you can log in to your netbanking account and make your credit card payment. You can also set-up standing instructions for your credit card payment to be auto-debited from your bank account. If you do not have a Yes Bank account, you can transfer the funds through National Electronic Funds Transfer (NEFT) option from any one of your bank account using the IFSC Code: YESB0CMSNOC.
Alternatively, you can visit https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html and make your payment using the Billdesk facility. You can also make a cash or cheques payment at any one of the Yes Bank branches.
- How to register my Yes Bank credit card to my netbanking account?
Can I transfer funds to a beneficiary’s credit card?
- Visit www.yesbank.in
- Login using your credentials
- Select “Register Using Credit Card” option
- Enter your full credit card number, expiry date, and date of birth
- Set a new username and password
- Accept the terms and conditions and choose ‘Register Online’
- A One-time Password (OTP) will be sent to your registered mobile number
- Enter the OTP in the space provided to complete the registration process successfully
Unfortunately, you cannot transfer funds to another credit card.
Am I required to register separately to manage my YES BANK credit card online?
Yes. However, if you have already registered for wallet facility using your customer ID, you do not have to register separately to manage your YES BANK credit card online.
How do I get in touch with YES BANK credit cards customer service department?
If you have Yes First credit cards, you can call 1800 103 6000 (Toll-free for mobile and landlines in India) or +91 22 4935 0000 (When calling from outside India) to reach Yes bank credit card customer care. If you own a YES Prosperity credit card, you can reach the credit card service care by dialing 1800 103 1212 (Toll-free for mobile and landlines in India) or +91 22 4935 0000 (When Calling from outside India). Alternatively, you can also write to email@example.com.
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