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  • YES BANK Credit Cards

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  • 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.

    Top 5 Credit Cards Offered By Yes Bank In 2019

    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
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    We found 6 YES BANK Credit Cards
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    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.

    Comparison of top YES Bank credit cards

    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

    Key Benefits of YES Bank Cards

    Rewards Credit Cards

    • Up to 4 Reward Points per Rs.100 spent on retail, online, dining and international purchases, and purchases on your birthday
    • 1,000 Reward Points when you spend Rs.2,500 within the first 30 days of card approval
    • 10,000 Bonus Reward Points when you spend Rs.1.8 lakh in a year
    • More savings with fuel surcharge waiver across all fuel stations in India

    • Up to 5 Reward Points per Rs.100 spent on your birthday, dining, online, international, and other retail purchases
    • 1,250 Reward Points on spending Rs.5,000 within the first 30 days of card approval
    • 12,000 Bonus Reward Points on using the card for Rs.3.6 lakh each year
    • Credit Shield insurance cover for outstanding balance in case of the primary cardholder’s accidental death

    • Up to 6 Reward Points per Rs.100 spent on your birthday, dining, online, international, and other retail transactions
    • 1,500 Reward Points on spending a minimum of Rs.7,500 within the first 30 days of card approval
    • 15,000 Bonus Reward Points on spending at least Rs.6 lakh in a year
    • Exclusive access to golf courses and airport lounges

    • Up to 5 Reward Points per Rs.100 spent on retail, grocery, supermarket, and dining purchases
    • 25% discount on movie tickets on BookMyShow
    • Access to airport lounges and golf courses in India
    • Fuel surcharge waiver across fuel stations in India

    • 8 Reward Points per Rs.100 spent on retail transactions
    • 20,000 Bonus Reward Points on spending Rs.7.5 lakh and more in a year
    • 15,000 Reward Points upon making your first transaction within the initial 90 days of card approval
    • 10,000 Reward Points for each renewal

    • 10 Reward Points per Rs.100 spent on retail expenses
    • 50,000 Reward Points on using your card within the first 90 days of card approval
    • 25,000 Bonus Reward Points on spending Rs.20 lakh or more in a year
    • 40,000 Reward Points every time you pay your card renewal fee

    Cashback credit cards

    • 5% cashback on groceries, movie tickets, and utility bill payments
    • 0.5% cashback on other retail expenses
    • Rs.250 cashback when you spend Rs.2,500 in the first 30 days
    • Access to several lifestyle benefits through YES Privileges

    • 5% cashback on utility bill payments, groceries, and movie tickets
    • 0.75% cashback on other retail expenses
    • Insurance coverage for accidental death
    • Fuel surcharge waiver on fuel expenses between Rs.400 and Rs.5,000

    Corporate credit cards

    Features of YES Bank credit cards

    Rewards programme

    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.

    Lifestyle benefits and privileges

    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.

    Bill payments

    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.

    Fees and charges

    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

    Eligibility criteria

    Each card may have a different set of eligibility parameters. However, below are some of the basic eligibility requirements for YES Bank cards.

    • Age: 21 years and above
    • Employment status: Salaried or self-employed
    • Minimum income: Rs.25,000 per month for salaried applicants
    • Minimum income tax return of Rs.50 lakh for self-employed applicants

    YES Bank credit cards issued against fixed deposits

    • YES Prosperity Rewards Plus Credit Card

    Credit score required for YES Bank credit card application

    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.

    Documents required

    During the application process, you will be required to submit several documents. A list of these is given below:

    • Identity proof – Passport, PAN, Aadhaar, driving licence
    • Address proof – Passport, electricity bill, landline telephone bill, ration card
    • Income proof for salaried applicants – Latest payslip
    • Income proof for self-employed applicants – Recent IT return
    • Others – Form 60, photograph

    Do note that this is an indicative list. You will be informed of the exact documents by the bank when you start your application.

    How to apply for a YES Bank credit card online

    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.

    How to track your YES Bank card application status online

    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.

    YES Bank card offers

    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.

    Loans on YES Bank cards

    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.

    YES Bank credit card bill payments

    There are several ways you can pay your YES Bank card bill every month. Listed below are some options you can consider:

    • Net banking
    • ATM funds transfer
    • Standing instruction
    • Cheque payment
    • NEFT/IMPS/RTGS
    • Cash payment
    • YES Pay App
    • YES Mobile App
    • YES ROBOT

    How to contact customer care

    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:

    • Phone banking
    • Email
    • Branches
    • Registered offices

    How to earn and redeem reward points

    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:

    1. Electronic items

    You can buy an electronic product of your choice with your reward points. This could be either smartphones from various brands or other devices.

    2. Gift cards and vouchers

    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.

    3. Air miles

    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.

    How to close your YES Bank credit card

    You will have to contact the bank’s customer care department or send written communication to the bank, requesting for credit card closure.

    Frequently Asked Questions FAQs on YES Bank Credit Cards

    1. How do I check my YES Bank credit card limit?
    2. 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.

    3. Can I withdraw money from YES Bank credit card?
    4. 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.

    5. How can I check my YES Bank credit card status?
    6. 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.

    7. How do I pay my YES Bank credit card bill??
    8. 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

    9. How can I get my YES Bank credit card PIN?
    10. 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.

    11. Are there any YES Bank cards issued against a fixed deposit?
    12. 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.

    13. What do I get in the credit card E-welcome Kit?
    14. 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:

      • A usage guide
      • Most important terms and conditions (MITC)
      • Card member agreement
      • Code of Bank’s Commitment to Customers
      • You will also get your credit card and the ATM PIN.

    15. Can I register for MasterCard SecureCode?
    16. 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.

    17. Where can I shop with MasterCard SecureCode?
    18. 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.

    19. How do I get in touch with YES Bank’s customer care?
    20. If you have a YES First Card, contact:

      • 1800 103 6000 – toll free number for mobiles and landlines
      • +91 22 4935 0000 – number for calls made outside of India

      You can also send an email to yesfirstcc@yesbank.in.

      If you have a YES Prosperity Card, contact:

      • 1800 103 1212 – toll free number for mobiles and landlines
      • +91 22 4935 0000 – number for calls made outside of India

      You can also drop an email at yestouchcc@yesbank.in.

      

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    YES BANK Credit Cards Reviews

    • YES Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was applied through Bank.I am using this credit card for the past 3 months ,This was a free card and i have got this credit card on time ,The credit limit was really good and it was sufficient as well .I have not yet faced any difficulties on submitting the documents .
      Was this review helpful? 3
      , faridabad
      Reviewed on Oct 14, 2019
    • YES Bank
      YES Bank Credit Card
      "Worthable offers"
      0.5 2.0/5 "Expected more"
      Customer care people should know the limit what they are offering to the customer in YES bank, I got the promotional call from YES bank for offering the credit card. At the time of sales, they said i will be receiving a limit of Rs. 2 lakhs but they gave me only Rs. 20000 so i have denied the card.
      Was this review helpful? 3
      , tirupati
      Reviewed on Oct 13, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was directly taken through Bank.I am using this credit card for the past 6 months,This was a free card and the credit limit was really sufficient .I have got good reward points as well as cash back offers .I am really satisfied with the service .
      Was this review helpful? 4
      , thane
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I got offer call from yes bank and they provided me a prosperity rewards plus card. I got limit of Rs. 30K which is enough for me. There is no annual fee deducted for this card since its a life time free credit card. I am getting a rewards points on my purchase but i don't receive any special offers.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have been using YES bank credit card for more than a year which was applied directly to bank. There is no fee chargeable. Since I am holding an account they provided a card. To complete KYC provided some required documents, the limit was okay, EMI option is applicable and charges are nominal.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I am using Yes Bank credit card which was taken through Bank directly .I have got this credit card very easily ,I have got all the updates about the credit card through the agent ,I am using this credit card for the past 6 months only.This was a free card ,The credit limit was very good and it was upto 30,000,There are good cash back offers and reward points .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      The credit limit is very low in YES BANK credit card and they have informed me that will be increased in 6months period but I did not get any call from the executive later. The best thing is its a life time free card. The reward points are applicable and need to check the cash back offer.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      8 months ago, i got the credit card from YES bank since i got an offer, i applied for this card. I have been using this card only for buying petrol and provisions. They have given me a limit of Rs. 25000. They said that my annual fee will be waived if i do certain limit on a monthly basis. I received the card on time.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      Actually YES BANK has taken long time to give me a credit card. The credit limit is okay. The reason for taking the card is for making credit card bill payments. I got a welcome letter and name of the card is YES PROSPERITY EDGE without annual fee and there was no joining fee as well.
      Was this review helpful? 2
      , kolkata
      Reviewed on Oct 08, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied a YES PROSPERITY REWARD PLUS CARD. Credit limit is sufficient . It is a lifetime free card. Yes Bank customer service is very good and they are very helpful. I received the card on time. I have started using the card and getting good offers.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Oct 06, 2019
    • YES Bank Credit Card
      "Fabulous"
      0.5 4.0/5 "Great!"
      I had applied a YES PROSPERITY REWARD PLUS CARD online. I had received the on time. They have given sufficient credit limit and there is no annual fee. I have started using the card and there is reward points and cashback offers. customer service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 06, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I holding Yes Bank card where there is good credit limit, EMI options are available with nominal rate of interest but card offers are very less, annual fee is chargeable, my card was been approved very quickly, PIN number was easy to generate.
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 1.0/5 "Really Bad"
      I am holding YES bank credit card for more than 1 year which was processed through bank directly. It is a life time free credit card but the credit limit which was given for very low of 20 thousands only. There is no proper response from customer service end. I use this card for shopping and fuel purposes.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Okay card"
      0.5 5.0/5 "Blown Away!"
      The offers came from the yes bank hence i have chosen the same. Definitely I'm satisfied with the credit limit and i have used the card a lot and they have charged me a too much of interest rate. I've no idea about the EMI conversion charges. Its a life time free credit card. This is my first credit card which is useful on emergency time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold a YES bank credit card for more than a month which was processed through online. It is a life time free credit card. I received a card within 20 days along with a welcome kit but the credit limit is given only for 40 thousands as per requirement. I use this card for general purpose.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Simple documentation process"
      0.5 5.0/5 "Blown Away!"
      Just purchased the credit card because its a life time free credit card and I'm not sure about the benefits provided by this card. They have sent the card on time to my residential address. I'm convenient with the credit limit provided to me. Documentation process was good. Actually i got the card but i need a pin to start the process when i contacted the customer care, they said i will receive a post with a pin number and i waited for 1 week. Again i called the customer care, the executive guided me in a proper way and i got the pin number through online banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      From YES bank offered for a life time free credit card. The credit limit is intimated as for 50 thousands but given only for 15 thousands which was low. Since I am already holding existing credit card which limit for high. I received a card by 20 days. EMI option is applicable but mobile application is not working properly and there is no proper response. I use for fuel and grocery purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with YES bank few months before which was applied through online. It is a life time free credit card. On time I received a call from bank for further verification. But the credit limit is low as per my requirement. EMI option is applicable. Mostly I use for shopping and dining purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using Yes Bank credit card which was applied through online .The credit limit was very less it was upto 20,000.The agent gave all the required information about the card process.There are good cash back offers and reward points as well.This was a free card and there was no difficulties faced so far .
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied YES PROSPERITY REWARD PLUS CARD online. I have received the card on time. I am using the card for online shopping and grocery. Credit limit is sufficient for me and there is no annual fee. I am getting cashback offers and reward points.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 03, 2019
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