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

    YES Bank credit cards offer some of the best features and premium lifestyle privileges. The reward points program and the redemption choices that these cards are loaded with would give you a sheer delight in using them.

    Top 5 Credit Cards Offered By Yes Bank In 2019

    For your convenience, we have listed the top 5 YES Bank credit cards which come with a list of privileges and benefits. Their annual fee, category, primary features, etc, have also been listed so that you can choose the one that fits all your needs.

    (*Since BankBazaar is an official partner of YES Bank, you can apply for any of the following cards)

    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 via BankBazaar

    If you want to apply for a YES Bank credit card, follow the below steps:

    • Visit the BankBazaar website.
    • Click the ‘Credit Cards’ tab.
    • You will be redirected to a page displaying all the available YES Bank cards.
    • Click the ‘Check Eligibility’ tab.
    • Answer all the questions to see if you’re eligible for the card.
    • If you are, you’ll be redirected to the online card application page.
    • Enter all the details and select the ‘Submit’ button.
    • Upload the required documents and click ‘Submit’ to finish your application.

    How to track your YES Bank card application status on BankBazaar

    You will receive an ‘Application ID’ once you have completed your application on BankBazaar. You can visit the ‘Track Application’ page to know your status. Enter your ID and your registered mobile number to check your status.

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

    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.

    2. What do I get in the credit card E-welcome Kit?

    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.

    3. Can I register for MasterCard SecureCode?

    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.

    4. Where can I shop with MasterCard SecureCode?

    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.

    5. How do I get in touch with YES Bank’s customer care?

    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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    YES BANK Credit Cards Reviews

    • YES Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It has been more than ten years since i am using the YES Bank Credit Card, the services of them had been pretty much good. There has been some good discount offers which comes with this card where i use the card for all sort of purposes like shopping and everything. I am satisfied with the credit limit with this card as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2019
    • YES Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am holding YES BANK Credit card , i use this card for online as well offline . I use this card for medical purpose and customer service is good . It is the good services, it has got a very good limit and EMI facility is also there. The limit given to me here is fine as of now and its a free life time card.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      YES BANK is a good card to have with you. I have started using this card and the limit provided to me here is fine as of now. The best offer in this card is i use to get free airport lounge excess on domestic and international . Credit limit which i got is really good .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2019
    • YES Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using YES bank credit card just for 15 days only. On time I received a card.I have applied directly with bank. So the process was smooth and good at a verification time. The credit limit is sufficient to use.It is a life time free credit card. I use this card for shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2019
    • YES Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have been using the YES bank credit card. I hold this card for almost 8 months. Their charges are very high and they are deducting 3% late fee with GST. I went to the branch for making the credit card payment, for that they are charging Rs. 100. The branch employee response is good. The credit limit is very less which is Rs. 30000.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 22, 2019
    • YES Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My application has been approved with YES BANK. They offered me very good credit limit with this card . I am happy with the features which they provide with this card . Offers i have not check till date . Even i am not aware about rate of interest . There is no joining fee at the time of getting the card .
      Was this review helpful? 0
      , faridabad
      Reviewed on May 22, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have a credit card which is very good to me so far .This card is having more cash back offers and reward points .This card was directly took from Yes Bank itself.The limit of this card is very good and it was sufficient to me so far .I am comfortable on using this card.I am happy wit the usage so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 21, 2019
    • YES Bank Credit Card
      "Average and need improvement on customer care service"
      0.5 4.0/5 "Great!"
      No one pick my call from yes bank customer care when i require their service. They are not explaining about the rewards points redemption and yes bank provided me a limit of Rs. 40000 and they have not enhanced the limit on time to time basis. They have a offer flight booking and hotel booking.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My experience was good with YES BANK in getting the card but have not used the card. They have informed me,its a life time free credit card. The credit limit is good. I am getting some offers on online hence have proceeded to take the card. The documentation process was simple and doorstep service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2019
    • YES Bank Credit Card
      "Best choice for the reward points"
      0.5 4.0/5 "Great!"
      In YES bank Prosperity Reward Plus Card, I used to get more reward points on my daily spend. For every 100 rupees two points are applicable. I got the welcome kit for that I need to spend certain amount to avail that benefits. As of now the credit limit is okay for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Yes Bank credit card through On line ,The credit limit is good ,there are good cash back offers and reward points,I have got the credit card on time without delay ,agent gave all the information ,no issues on submitting the documents.This was a Hassle free process and the service was good to me so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I was applied for yes bank credit card they have provide credit limit of 1.5 lakhs and customer service is good.we are providing on time responses and easy to upload documents through online. i will recommended to my friends and colleagues.
      Was this review helpful? 1
      , chennai
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have Yes Bank credit card which was applied through Online. The Credit limit was less ,I have received the credit card on time ,The agent gave all the information about the card process ,good cash back offers and reward points.The card usage was less so far .I have submitted the documents through agent .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have applied for Yes Bank credit card through Online . The credit limit was ok it was 2.5lakhs only ,the agent gave all the information ,there are good cash back offers and reward points ,till now everything is good ,customer service is good to me so far.I am much comfortable on using this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 2.0/5 "Expected more"
      I have Yes Bank credit card which was directly applied with Bank only.The service is not satisfied since i have faced issues transaction security is not good wihout my knowledge amt was not dedcuted due to that i have deactivated the service .I am not satisfied with the service .
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Recommendable card"
      0.5 3.5/5 "Pretty good"
      The services are good enough in YES bank. Customer care support is basically good. Basically, i donâ??t check any offers rarely i will check my rewards points but i tried to redeem the rewards points but i donâ??t any way. The credit limit is fine. This is a zero annual fee card. Still i need to compare this card with others.
      Was this review helpful? 0
      , thane
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I got a call from online channel, then I applied for the Yes bank credit card. The procedure was simple without any difficulties and its a life time credit card, I didn't get any points I yet to check the information. The credit limit is good for me.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy but for the approval it took time with the YES BANK, i got the card on time.The rewards points are good than others. It is a life time free card, the credit limit is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Excelllent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with YES BANK . The service is good , there is no issue with card , they offered very low credit limit i need more than 200000 , there is no annul fee with this card , i had chosen this card because it is life time free , i am not interested in offers
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • YES Bank Credit Card
      "Fantastic card"
      0.5 4.0/5 "Great!"
      My one of my friend told me to choose the YES bank credit card because i will get good rewards points from this card. Its been 1.10 lakhs which i received as a credit limit. I spoke with the call centre people and the response is good. I got my welcome kit and very late its been more than a month late i have received from stipulated given time and i have done the follow up from my end. They have not done follow up from bank end finally i asked them to rejected the same but the next day i got the card.
      Was this review helpful? 0
      , indore
      Reviewed on May 20, 2019
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