Are you looking for a YES Bank credit card? Do you want to apply for a card that gives you more value for money? From dining, travel to entertainment, Yes Bank offers cards across various categories. You can compare and apply for the best YES Bank credit card here.
Here are the Top 5 YES Bank Credit Cards which offer a variety of privileges and benefits.
|YES Bank Credit Card Variant||Annual Fee||Category|
|YES First Preferred Credit Card||Rs.0||Premium lifestyle|
|YES Premia Credit Card||Rs.0||Premium lifestyle|
|YES Prosperity Reward Plus Credit Card||Rs.0*||Rewards|
|YES Prosperity Edge Credit Card||Rs.0||Lifestyle|
|YES FIRST Exclusive Credit Card||Rs.10,000||Premium lifestyle|
With YES Bank credit cards, you get access to lifestyle benefits, special offers, a rewards programme, and more. From airport lounge access to rewards on your dining expenses, you can add value to your expenses with a YES Bank card.
Here is a quick comparison of the top cards offered by YES Bank:
|Card name||Joining fees||Renewal fees||Rewards||Interest rates (per month)||Minimum monthly salary|
|YES Prosperity Rewards Credit Card||Rs.250||Rs.250||Up to 4 Reward Points per Rs.100||2.99% to 3.22%||Rs.25,000|
|YES Prosperity Rewards Plus Credit Card||Rs.350||Rs.350||Up to 5 Reward Points per Rs.100||2.99% to 3.22%||Rs.25,000|
|YES Prosperity Cashback Credit Card||Rs.1,000||Rs.1,000||5% cashback on grocery, movie tickets, and utility bill payments||2.99% to 3.22%||Rs.25,000|
|YES Prosperity Cashback Plus Credit Card||Rs.1,500||Rs.1,500||5% cashback on grocery, movie tickets, and utility bill payments||2.99% to 3.22%||Rs.25,000|
|YES Prosperity Edge Credit Card||Rs.1,000||Rs.1,000||Up to 6 Reward Points per Rs.100||2.99% to 3.22%||Rs.60,000|
|YES PREMIA Credit Card||Rs.1,500||Rs.1,500||Up to 5 Reward Points per Rs.100||2.99% to 3.22%||Rs.1.2 lakh|
|YES FIRST Preferred Credit Card||Rs.2,500||Rs.2,500||8 Reward Points per Rs.100 spent on retail expenses||1.99% to 2.59%||Rs.2 lakh|
|YES FIRST Exclusive Credit Card||Rs.10,000||Rs.10,000||10 Reward Points per Rs.100 spent on retail expenses||1.99% to 2.59%||Rs.4 lakh|
Depending on the card you have, you enjoy great rewards on an array of expenses. Whether it’s buying dining or grocery or movie tickets, you can earn points or cashback on these transactions.
Experience a world of benefits such as airport lounge access, golf course access, insurance coverage, fuel surcharge waivers, and more. Through YES Privileges, you also enjoy promotional offers on shopping, wellness, dining, travel, and more.
Use YES PayNow to pay all your utility bills through standing instructions. You can pay your mobile, telephone, rent, electricity, insurance, broadband, and gas bills. Besides the convenience, you will also earn reward points on these transactions, based on the card you have.
Here are the charges that are generally applicable on your YES Bank card:
|Type of fees||Charges|
|Interest rate||Starts at 1.20% per month|
|Cash advance fee||2.5% or a minimum of Rs.3,000|
|Late payment fee||Rs.100 for statement balance between Rs.100 and Rs.500|
|Rs.400 for statement balance between Rs.501 and Rs.5,000|
|Rs.500 for statement balance between Rs.5,001 and Rs.20,000|
|Rs.700 for statement balance above Rs.20,001 and more|
|Interest-free period||Up to 50 days|
|Minimum Amount Due (MAD)||5% or Rs.200, whichever is higher|
|Over limit fee||2.5% of the over limit amount|
|Reward redemption fee||Rs.100 per request|
Each card may have a different set of eligibility parameters. However, below are some of the basic eligibility requirements for YES Bank cards.
You may need to have a credit score of at least 700 and above if you want to apply for a YES Bank card. However, this requirement may vary as per the bank’s discretion.
During the application process, you will be required to submit several documents. A list of these is given below:
Do note that this is an indicative list. You will be informed of the exact documents by the bank when you start your application.
You can also apply for a YES Bank card through their official website. All you have to do is visit the bank’s portal, choose a card you prefer, and select the ‘Apply Now’ tab.
You can also check your card application status on the official YES Bank website. Select the ‘Credit Card Application Status’ tab. You’ll be redirected to a page where you’ll have to enter your mobile number and application form number or application reference number. Submit the form to check your status.
This bank has an array of offers on travel, dining, shopping, wellness, and more. You can take advantage of these privileges to save on your expenses. There are a number of deals and discounts available on various products and services.
When you require immediate funds, you can opt for a Quick Loan on your YES Bank card. You can use this loan for medical emergencies, education, travel, or other needs. The loan amount disbursed is within the credit limit of your card. However, this service is only available for select cardholders.
You get low interest rates, low processing fees, and tenure options up to 24 months. This loan doesn’t require a guarantor or a post-dated cheque.
There are several ways you can pay your YES Bank card bill every month. Listed below are some options you can consider:
You can get in touch with the customer care department at YES Bank for all your queries. Below are some channels you can choose from:
You can earn reward points by paying for your expenses with your YES Bank credit card. These accumulated points can later be redeemed for an array of things. Here are some redemption methods you can opt for:
You can buy an electronic product of your choice with your reward points. This could be either smartphones from various brands or other devices.
Buy yourself a voucher or gift someone a card with your reward points. You have a wide range of options to choose from, whether it’s shopping or wellness related.
You can also redeem your reward points for air miles from the JetPrivilege frequent flyer programme. You will have to be a JetPrivilege member to convert your points to JPMiles.
You will have to contact the bank’s customer care department or send written communication to the bank, requesting for credit card closure.
You have multiple options to check the limit on your YES Bank credit card. One of the most convenient ways to do so is through the YES Bank net banking facility. Just log in to your net banking account, go to the credit cards tab, and select the credit card for which you want to know the credit limit.
However, to use this option, you must have your YES Bank credit card registered with your YES Bank net banking facility. Likewise, you can also use the YES Bank mobile banking facility to know your credit limit.
You can also call YES Bank credit card customer care by dialling 1800 103 1212 to know the credit limit on the card. The monthly statement of your credit card also has the credit limit mentioned in it.
Yes, you can use your YES Bank credit card to withdraw cash from ATMs. This facility is also known as Cash Advance. With your YES Bank credit card, you can withdraw cash round the clock from any ATM.
To withdraw cash, insert the card into the card slot and enter your card PIN. The cash advance limit is 30% of your card limit. However, please note that you would be charged 2.5% of the withdrawn amount or Rs.300, whichever is higher, as the Cash Advance Fee.
The finance charge on the cash advance facility is 1.20% per month (only for YES Bank savings accounts and salary account holders). For others, it’s 1.99% per month.
To check your YES Bank credit card status, visit www.yesbank.in/credit-card-application-status and insert the 13-digit unique application reference number that you have received on your registered mobile number.
If you don’t have your reference number call 24X7 YES TOUCH at 1800 103 1212. You can also enter your application form number instead of the reference number to check the status.
To pay your YES Bank credit card bill, you have the options of both online and offline payment.
Online methods of payment include YES Bank net banking facility, YES Bank mobile banking facility, etc. You can also opt for a standing instruction which would allow the bank to deduct the amount from your savings or current account and credit your YES credit card account on the payment due date.
Offline methods of payment include ATM payment, payment through cash at any YES Bank branch, and payment through cheque or demand draft. For payment through cheques and drafts, the same should be made payable to your YES BANK Credit Card Number xxxx xxxx xxxx xxxx.
If you are paying from non-YES Bank account, you can use NEFT fund transfer mode to make the payment. Use the IFSC code YESB0CMSNOC to initiate the payment. You can also go for the Bill Desk facility to pay using other bank's net banking account
You can set your YES Bank credit card PIN by logging in to your net banking account and clicking on the ‘Credit Card’ tab on the top of the screen. You would be directed to a page where all your registered credit cards would be listed.
Now click on the ‘PIN SET/RESET’ link on the left side of the screen, select the appropriate card, and click on ‘Submit’. An OTP would be sent to your registered mobile number. On entering the OTP, you would be prompted to enter your PIN. Enter the same and confirm.
Yes, there is one card issued against a fixed deposit— YES Prosperity Rewards Plus Card. You will require a minimum deposit amount of Rs.50,000 with the bank to be eligible. This card is available in select cities only.
Depending on the card you apply for, the things you receive in the kit may vary. For example, if you have applied for a consumer card, you will get:
Yes, you can. You will have to visit YES Bank’s official website to create your 3D Secure Password. It gets activated on your card as soon as the bank confirms the registration. You can then proceed to shop online with your card securely.
You can either shop on participating online stores that have the MasterCard SecureCode mark or take a look at the latest list of participating merchants.
If you have a YES First Card, contact:
You can also send an email to firstname.lastname@example.org.
If you have a YES Prosperity Card, contact:
You can also drop an email at email@example.com.
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