Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • YES BANK Credit Cards Reviews

    • YES Bank Credit Card
      "No hassles"
      0.5 4.0/5 "Great!"
      YES bank has been good with the product of my credit card. There are no annual charges and the features are good, I get all the offers of cash back when I purchase online and there are points as well. The credit limit is sufficient for me and overall no hassles in using the card.
      Was this review helpful? 0
      , aurangabad
      Reviewed on May 25, 2017
    • YES Bank Credit Card
      "Good in reminders"
      0.5 4.0/5 "Great!"
      YES Bank has been excellent in the services and they have provided me a credit card. They send me regular messages about my payments, though it is annoying at times to receive continuous reminders, it helps me pay my bills and have a zero delay in the payments. The credit limit is of 1.5 lakhs.
      Was this review helpful? 1
      , chennai
      Reviewed on May 12, 2017
    • YES Bank Credit Card
      "Good for the buying movie tickets"
      0.5 4.5/5 "Excellent!"
      Its my first credit card with YES bank, it has good offers on movie tickets at upto 25% on ticket, I used convert the purchase amount into an EMI but some nominal fee applicable. YES Bank offers good credit limit but still I requested them to increase it.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2017
    • YES Bank Credit Card
      "Cheating with credit card"
      0.5 0.5/5 "Unacceptable"
      While giving the card terms and conditions were different and now they changed their terms and conditions without any kind of notifications to me... I swiped my card for 500 and they charged me 11.50 extra. When I tried to raise the issue in 4th attempt they agreed to register the issue. And the solution was change in policy so they can't do anything i have to pay what ever is due. Imagine if they did this with 100 customer then how much they will get.
      Was this review helpful? 3
      , new delhi
      Reviewed on Apr 24, 2017
    • YES Bank Credit Card
      "Excellent but please upgrade mobile app for credit payment"
      0.5 4.0/5 "Great!"
      Well, Yes bank provides a very good service in terms of credit card services. Whenever I made the payment, It got automatically refreshed, so there was no need to contact customer service for payment refresh or updation. I used to make immediate payment, so I do not know about interest rate. But the drawback is, I am not able to make credit card payment through their mobile application. So it will be helpful if they upgrade their mobile application.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 11, 2017
    • YES Bank Credit Card
      "Amazing Card"
      0.5 5.0/5 "Blown Away!"
      YES bank has lot of offers with good features. They gave petrol and fuel surcharges. If I pay that surcharges through credit card they debit some money from my credit card. I got Rs. 200 of reward points to my account, When I crossed the credit limit of Rs.60,000 in YES Bank. Now they had increased my credit limit because I used upto Rs. 1 Lakh in 6 months. YES Bank gave amazing surprises and lot more.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 18, 2017
    • YES Bank Credit Card
      "Comfortable To Use But Issue With Repayment"
      0.5 4.0/5 "Great!"
      I am holding my credit card of Yes Bank for past 6 months, They are giving some offers on my card, But I have not utilized the offers. It is a Life Time Free Card. They are transparent in billing process, But there are some issues on repayment process, It was not reflected in the statement, my friend faced the same issue, So we both have registered the complaint, Now we are waiting for the response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 17, 2017
    • YES Bank Credit Card
      "Not good when it comes to credit card"
      0.5 1.0/5 "Really Bad"
      I wish that YES bank would revise the bank norms as of now they provide credit card to customers who's salary is more than 40k. It would be great if they revise it and bring it down to 25k. As many customers would be in need of a credit card especially it is their own salary account holders.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2016
    • YES Bank Credit Card
      "My opinion "
      0.5 4.5/5 "Excellent!"
      My review is so great because, I am applying for this credit it's too easy thanks for yes bank I now this bank have a world class Business but I feel really today will I have big ideas for business and I want to do in with this bank and this is surely a great bank.
      Was this review helpful? 1
      , amritsar
      Reviewed on Oct 17, 2016
    • YES Bank Credit Card
      "Nice credit limit"
      0.5 4.0/5 "Great!"
      I recently received the YES Bank credit card. Though I have not explored on it much. The process of them delivering the card to me was really excellent. The services and response from them are really professional. I am happy with the credit limit as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2016
    • YES Bank Credit Card
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      I use a platinum credit card with Yes bank. The services are good. When I have a query and call the phone banking. They are responsive too. They have good online offers. I get discounts of 10% to 20% on ebay shopping. It is a life time free card. Overall it is good.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 23, 2016
    • YES Bank Credit Card
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      Yes bank has been very good in their services. They are very responsive too. They have good offers on the credit card I use. They have a good reward point system. The fee is waived as I use the limit as per the criteria.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 21, 2015
    • YES Bank Credit Card
      0.5 5.0/5 "Blown Away!"
      I had applied many times and intimated no pf but form submitting and i am not getting credit card. But the response from bank bazaar is lightening speed. If i get a credit card i can use bank bazaar for all types of loan and insurances. It will be helpful if your team guide me to get a card.
      Was this review helpful? 4
      , new delhi
      Reviewed on Jul 25, 2015
    • YES Bank Credit Card
      "Not yet experienced!!"
      0.5 4.0/5 "Great!"
      I hardly use this Yes bank credit card so not sure about the offers. I am keeping the credit card with same credit limit of 1.5lakhs, which provided at initial stage. Card is life time free card and satisfied with Yes bank. Several times, the executives contacted me to upgrade the card but I did not go for enhancement. Till date no bitter experience with Yes bank.
      Was this review helpful? 11
      , hyderabad
      Reviewed on Mar 05, 2015
    • YES Bank Credit Card
      "Overall Satisfied with Service"
      0.5 4.0/5 "Great!"
      Yes Bank Platinum Credit card debit cum credit card where i can use any where, credit limit is good, renewal charges is very high, i have not used for EMI much. Customer service is good when ever i call for any queries, no need visit banks they send mails and revert with call back and solve the issue.
      Was this review helpful? 17
      , navi mumbai
      Reviewed on Aug 22, 2014
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    YES BANK Credit Cards is Rated as "Great!" by 15 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service


    rated 4.0/5.0 by 15 users

    YES BANK Credit Card Overview

    YES BANK, India's fourth largest private sector Bank, is an outcome of the professional entrepreneurship of its Founder, Rana Kapoor and his highly competent top management team. Their aim to establish a high quality, customer centric, service driven, private Indian Bank which caters to the “Future Businesses of India”. YES BANK is the only Greenfield license awarded by the RBI in the last 17 years, associated with the finest pedigree investors.

    YES BANK has been recognized amongst the Top and Fastest Growing Banks in various Indian Banking League Tables by prestigious media houses and Global Advisory Firms, and has received several national and international honours for our various Businesses including Corporate Finance Investment Banking, Treasury, Transaction Banking, and Sustainable practices through Responsible Banking. The Bank has received numerous recognitions for its world-class IT infrastructure, and payments solutions, as well as excellence in Human Capital.

    The sustained growth of YES BANK is based on the key pillars of growth, trust, technology, human capital, transparency & responsible banking. As the Professionals’ Bank of India, YES BANK has exemplified ‘creating and sharing value’ for all its stakeholders, and has created a differentiated Banking Paradigm with the vision of ‘Building the Best Quality Bank of the World in India’ by 2015

    YES BANK brand vision & strategy

    YES BANK has pursued a differentiated branding strategy in line with its objective of becoming the Best Quality Bank of the World in India. The foundation of this strategy lies in the name "YES", which underlines the twin ethos of service and trust and the promise to deliver a truly delightful and unprecedented Banking experience to all customers. In the words of Rana Kapoor “The reason behind naming the Bank ‘YES BANK’ was my firm belief that our Bank's differentiation begins with its service and trust mark 'YES'. 'YES' represents our true spirit of becoming a high quality, customer centric, service driven, Indian Bank.”

    Current scenario of YES BANK

    Since its inception in 2004, YES BANK has fructified into a ‘“Full Service Commercial Bank” that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country, and is well equipped to offer a range of products and services to corporate and retail customers. YES BANK has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers. Today, YES BANK has a widespread branch network of over 500 branches across 350 cities, with 1050+ ATMs and 2 National Operating Centres in Mumbai and Gurgaon. (Data as per 2014)

    YES BANK Amex credit cards

    The YES BANK credit card is one of the many services offered. YES BANK in partnership with American Express is delighted to present a premium range of Cards that offers a host of benefits and privileges like never before. There are three types of Amex credit cards which are currently being issued – The American Express Platinum Reserve Credit Card, American Express Platinum Travel Credit Card and the American Express Gold Card; each one come with its own list of features and benefits.

    YES BANK Credit Card FAQs

    1. What should I do if my card is lost or damaged?
    2. Inform the YES BANK 24-hour Customer Care Centre immediately. They will block your lost/damaged card instantly and a new card will be delivered to you within seven days.

    3. Can I retain my credit card if I emigrate?
    4. Credit cards (including global cards) are issued to resident Indians only. Therefore, under RBI guidelines, you have to clear your outstanding and surrender your credit card to the issuing bank if you are proceeding abroad on employment or on emigration

    5. Can I use my credit card for expenses on the internet?
    6. Yes, your credit card can be used for expenses on the Internet. However, the Reserve Bank of India prohibits its use for certain expenses on its banned list like football pools, sweepstakes and lotteries.

    7. What do I do if my credit card is declined?
    8. In case your card is declined you can call The YES BANK 24-hour Customer Care Centre.

    9. How do I protect my credit card against fraud or theft?
    10. These tips are important and universal:
      • Sign your card as soon as you receive it!
      • Never give your credit-card number over the telephone unless you initiated the call.
      • Even when you place the call to a legitimate merchant, never give out your card number over a cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number, so would you mind giving it to them again? The safest thing to do is to ask them to read out the number they have, and then change any incorrect numbers.
      • Ignore any credit-card offer that requires you to spend money upfront or fails to disclose the identity of the card issuer.
      • Make certain you get your card back after you make a purchase (one good habit to observe is to leave your wallet open in your hand until you have the card back). Also, make sure that you personally rip up any voided or cancelled charge slips.
      • Always keep a list of your credit cards, credit-card numbers and toll-free numbers handy, in case your card is stolen or lost.
      • Check your monthly statement to make certain all the charges are your own, and notify the card issuer of any errors or unauthorised charges immediately.
    11. I want to know why interest charges are levied.
    12. Interest will be charged if the Total Amount Due is not paid by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions (from the transaction date) till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of payment.

    YES BANK Credit Card Eligibility & Documentation

    YES BANK Credit Card Eligibility Criteria:

    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.
    • Should be a resident of India

    Documents required for getting YES BANK Credit Card:

    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc. for residence proof.

    YES BANK Credit Card Details

    YES BANK in partnership with American Express is delighted to present a premium range of Cards that offers a host of benefits and privileges like never before.

    Value Added benefits offered on the Cards:

    American Express Platinum Reserve Credit Card

    • Enjoy exclusive privileges on international and domestic flights and hotels
    • Pay for travel directly with your Membership Rewards Points
    • Relax with complimentary access to over 600 airport lounges around the world
    • Tee off with complimentary golf at leading golf courses in India and abroad
    • Leading Membership Rewards Programme
    • Enjoy Platinum Concierge Services 24x7 for anything that you may need - dining reservations, delivering flowers and more
    American Express Platinum Travel Credit Card
    • Enjoy the fastest way to complimentary travel complete with flight tickets aboard IndiGo and a luxury stay at the Taj Group
    • Receive your Welcome Gift* of 5,000 Bonus Membership Rewards Points redeemable for a Rs.4,000 IndiGo voucher
    Experience the renowned American Express Platinum Service American Express Gold Card
    • Automatic enrolment into one of the most powerful programmes in the country - The Membership Rewards Programme
    • Earn 1,000 bonus Membership Rewards Points monthly for simply using your Card 4 times in a month*
    • Experience the Gold Standard of Service with Zero Lost Card Liability and Online Fraud Protection
    • Flexibility in spending with no pre-set spending limit

    YES BANK Credit Card Details

    Details of YES BANK Credit Card  
    Credit card maximum amount withdrawal
    from atm
    Other Accident Insurance Rs. 500000  
    Purchase Protection Rs. 25000
    Hospitalization Benefits No

    *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

    News About YES BANK Credit Card

    • Yes Bank to hire for its retail banking portfolio: Plans to launch credit cards in India.

      Yes Bank will be hiring aggressively for its retail banking segment and would be adding senior people to expand its retail banking section by 40%. Additionally, Yes Bank would also be launching its credit card segment in April and is currently in the process of hiring around ten candidates for the same. The Senior Executive appointments include Padhmanabhan Kumar as the COO and the Senior Group President, Neeraj Dhawan as the Group President/ Chief Risk Officer for business and retail banking segments and Rajan Pental as the Group Head - Retail Lending. Yes Bank is also planning to hire 13,000 employees to further expand its retail banking operations. Yes Bank credit card will be launched in the first quarter as part of retail banking. The bank will launch its credit cards in collaboration with MasterCard and will face competition from top institutions like Citibank, HDFC Bank and ICICI Bank.

      21st January 2016

    • The first Yes Bank credit card will be launched in June.

      Yes Bank will be issuing its first-ever credit card in June 2016, in an effort to strengthen its retail business segment. The new credit card can be availed by both Yes Bank customers and non-Yes Bank customers. WIth a customer base of 1.5 million, the bank is looking to expand its retail banking and business banking segments. Yes Bank has also been hiring on a rapid basis, with a view to consolidate the right team to support its retail division. The bank’s target would be to add 2,500 branches by 2020, helping it grow its retail loan book. Yes Bank has also made investments to improve its risk management capacities and will also target low yield and low risk business opportunities during the growth period.

      9th December 2015

    • YES BANK to hit the credit cards space

      YES BANK is contemplating entering the Indian credit card space soon and has roped in previous HDFC Bank executive Rajanish Prabhu to take charge of this as a senior leader and national head. He has worked as the regional director for CyberSource Corporation, a firm endorsed by Visa for handling e-commerce fund transfers. It introduced a new administrative system to augment corporate and commercial banking. Credit cards are being initiated in Q1 of FY17 to wholly take over the retail banking product group. The city-based bank, which commenced its operations in the year 2004, has been considering to enter the cut-throat competitive and great margin credit cards arena for over a year as of now.

      11th September 2015

    • YES BANK targets Credit Cards in 2015-16, Talks to MasterCard & RuPay

      YES BANK, India’s fourth largest private sector bank, is all set to add credit cards into its already impressive arsenal of products. This will positively come into effect from the fiscal year 2015-16. The bank is in talks with MasterCard, the go-to name when it comes to cards and online money transfers, to help initiate this offering in India and gain rapid momentum in an already competitive market. Also, the bank wants to align with RuPay- National Payments Corporation of India’s pet domestic card scheme that is rapidly gaining a foothold amongst the audience that YES BANK is targeting. The bank’s MD and CEO, Mr. Rana Kapoor, is optimistic that YES BANK will be able to boost its promising business through the disbursal of small loans via the MasterCard and RuPay cards. This, alongside the bank’s plans for rapid physical expansion in 2015-16, spells good news for Indians who could use another competent player in the fray.

      23rd February 2015

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