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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 2020

    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
    More
    We found 6 YES BANK Credit Cards
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    PA PL OTP
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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 bank"
      0.5 5.0/5 "Blown Away!"
      I have applied for YES bank credit card through online and the agent gave me the details for the credit card .I have taken the card because its a life time free card. The credit limit was not sufficient but it was manageable, I used this card for domestic ticket booking, bill payment and many other purposes.I got my card statement on time. I am satisfied with the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2020
    • YES Bank
      YES Bank Credit Card
      "Less friendly"
      0.5 2.0/5 "Expected more"
      When i first used the YES bank credit it was fine but later on it was not working properly it always show some issue,the card limit is only 65000 which i am not happy.I used this card for shopping,electricity bill payment,ticket booking and more.Due to some issues on the card i could not pay my bill on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2020
    • YES Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I got a credit card offer from YES bank through online. They called me on time for further verification, the process was smooth hence I received the card within 5 days. The credit limit is sufficient. Since they provide more offers so chosen this card. They given one plus one free movie tickets offer. Mostly I use this card for filling petrol and an online shopping.
      Was this review helpful? 1
      , kochi
      Reviewed on Mar 20, 2020
    • YES Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have availed YES bank credit card for fuel and shopping as well as for my personal use. I get 2movie tickets are free and monthly 100% cash back offers are avail ,using for the past 1 month i have not used movie ticket offers yet .The credit limit was very less it was only 56000.I have got the credit card on delay basis it took extra 2 days of time since delayed by courier person.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2020
    • YES Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have applied YES bank credit card via online. I have used it for the last two months, I usually used it for personal basis and the card limit is Rs.18,000 but overall the customer service is good and I would recommend this card to others as well.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 19, 2020
    • YES Bank Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I am unable to use YES bank credit card is not working and showing bank server problem wherever using it getting this information.The credit limit was less and this was a life time free card and this credit card was delivered on time everything was good so far. I am not satisfied with the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2020
    • YES Bank Credit Card
      "Need to provide more offers "
      0.5 5.0/5 "Blown Away!"
      I am unable to do transaction by using YES bank card for just few days before but as of now that issue was sort out. I taken this card on 6-8 months back. I am not yet used this card much. There is no annual fee chargeable. The credit limit is not sufficient of 15K. The cash limit is there only 5K , not found any best to use the card normally I will be using whenever get offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 18, 2020
    • YES Bank Credit Card
      "Okay "
      0.5 3.0/5 "Satisfactory"
      YES bank credit card, i am using for the past 25-30 days. I have not used still now and i don't know about the features, bank condition is not active right now. Through representative i have its pretty easy to apply this credit card since its a new card i don't about the card benefits.
      Was this review helpful? 1
      , jaipur
      Reviewed on Mar 18, 2020
    • YES Bank Credit Card
      "Need to improve"
      0.5 5.0/5 "Blown Away!"
      YES Bank people is not professional, actually I have applied for card to card process which doesn't required any documentation except the existing card statements but here they have been asking me Aadhar card, payslip, home agreement and etc which am not interested to provide hence it was cancelled.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 18, 2020
    • YES Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am holding YES Bank credit card for past 4 months which was applied via other channel. The process was done on time and without any issue have received the card. It is a life time free card and the credit limit was 35K. I swipe this card for all purposes and it works fine.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 17, 2020
    • YES Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      YES bank card is closed by RBI for some reason and offers are there like booking tickets and auto debit option for my fund to pay the monthly bill. As per my experience, the card is good. There is no delay in processing the card. Its quite comfortable to make the payment. I don't receive any promotional calls regarding the offers.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 16, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have a credit card from YES bank but due to the crisis i am unable to use the card in online and offline purchases whenever i do the transactions, it shows declined. For the dining and 1+1 movie tickets, reward points purpose, i have chosen this card. They have given me a credit limit of Rs. 30000. Its a zero annual fee credit card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2020
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My YES Bank credit card is not working since that bank has some problem. I made out standing payment Rs. 62k and they given a good credit limit and also its a free card. Earlier i use to get end number of calls from bank side for EMI conversion that was very irritated.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 16, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Recently i have purchased the credit card from YES bank which have availed online. 7 days before i have received the card due to YES bank crisis issue, I'm unable to use this card in all the POS machines. Within a week, they have completed the entire process of getting a credit card. There is no yearly charges for this card.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 13, 2020
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes bank credit card which is having very less credit limit which they need to improve .This was a life time free card and the agent shared all the relevant details about the card process. I am using it for the past 20 days and it was a hassle free process.
      Was this review helpful? 2
      , rajkot
      Reviewed on Mar 13, 2020
    • YES Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      The rate of interest was little bit higher in YES Bank credit card. They given a good credit limit and i am using this card for shopping purpose. EMI facility is available and the documentation was simple and good within a week i received this card. YES Bank has a good customer service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 13, 2020
    • YES Bank Credit Card
      "Average Card"
      0.5 2.0/5 "Expected more"
      YES simply proposed me to get a card since it does not have any annual fee. Currently yes bank credit card is not working since its because of undertaken my RBI. I'm not happy about the credit limit provided by YES bank because its only Rs. 30000 and the documentation process was very simple. I can get add on card and i get more reward points on utility bill payments.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 12, 2020
    • YES Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      Taken my YES bank credit card 2 months before because they said that they will provide more credit limit hence i thought that i can close all other credit card but they have provided me a less limit of Rs. 20000 which I'm not satisfied with. I don't get any offers on this credit card.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 12, 2020
    • YES Bank Credit Card
      "Low limit credit card"
      0.5 5.0/5 "Blown Away!"
      Recently i have purchased the credit card from YES bank. They have provided me a credit limit of Rs. 25000 which I'm not satisfied with. The process took for a long time. I didn't call the customer care till date. There is a annual fee of Rs. 1000. In this card, i get reward points in online when i book a movie ticket and flight tickets.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 11, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have not get a situation to call the YES bank customer care people. Its a care free credit card because its a life time free card so i don't need to worry about the fee waiver. When i compared to other bank, this is best to use so i don't need to track of the minimum transaction per year. I get a good reward points based on my transaction. I got my card within a week.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 10, 2020
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