YES Bank Credit Card

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Apply for other Yes Bank Credit Cards

Yes First Preferred Credit Card

YES Bank Prosperity Rewards Plus Card

Yes First Business Credit Card

YES Bank Prosperity Business Card

Yes Bank Credit Card Documents

Identity Proof: PAN card, Aadhaar card, voter’s ID card, passport, driving license, or any other government approved photo ID.
Address Proof: Aadhaar card, passport, utility bills (not more than 3 months old), or any other government-approved ID proof.
Income Proof: Salary slips for the last 3 months, bank statement for the last 3 months, audited financials for the last two years (for self-employed), Form 16, etc.

The list is indicative and the documents will vary with the individual.

Yes Bank Credit Card Eligibility Criteria

Must be in the age range of 21 to 60 years
Can be salaried or self-employed individuals with a steady source of income
The minimum monthly income should be 40 thousands (can be more for YES Prosperity Edge Credit Cards).

Quick Links To Handle Your Yes Bank Credit Card

There are various procedures associated with the Yes Bank credit card. Here are some quick Links to handle your Yes Bank credit card
Yes Bank Credit Card bill
Yes Bank credit card balance
Yes Bank credit card application status
Yes Bank credit card offers
Yes Bank customer care
Yes Bank credit card netbanking

Types of Credit Cards Offered by Yes Bank

Yes Bank offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by Yes Bank in this category are

YES Prosperity Rewards Credit Card

YES Prosperity Rewards Credit Card offers 1000 reward points and annual bonus of 10,000 reward points to the users. The customer needs to have net monthly income of INR 40,000 to avail this credit card. With various offers and discounts on shopping, this credit card provides a rewarding experience to the user. You can redeem the reward points against various gifts from partner outlets.

YES Prosperity Reward Plus Credit Card

An individual should have minimum of INR 40,000 per month to avail YES Prosperity Reward Plus Credit Card. With the welcome gift of 1250 reward points, the users can get annual bonus of 12,000 reward points additionally. With various offers and discounts on shopping, this credit card provides a rewarding experience to the user. You can redeem the reward points against various gifts from partner outlets. Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HDFC in this category are.

YES FIRST Preferred Credit Card

The customer should have minimum monthly income of INR 1.2 Lakhs to avail YES FIRST Preferred credit card. You can get assured 8 reward points per INR 100 retail spends and these reward points never expire. The user is rewarded with complementary lounge access on Priority Pass Membership & Mastercard Lounge Programme. You can redeem the accumulated reward points against various gifts from partner outlets.

YES Prosperity Edge Credit Card

The customer should have minimum monthly income of INR 60,000 to avail YES FIRST Preferred credit card. You can get assured 6 reward points per INR 100 retail spends and these reward points never expire. The user is rewarded with complementary lounge access on Priority Pass Membership and annual bonus of 15,000 reward points. You can redeem the accumulated reward points against various gifts from partner outlets.

How To Apply For Yes Bank Credit Card?

Online Apply Through CreditMantri

Check the various Yes Bank credit cards available.
After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about the card, Click ‘Know More’).
You will be redirected to the application page.
Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
Enter this OTP for verification.
Click on ‘view eligible Yes Bank offers and apply’.

Apply Online Through The Bank’s Website

Choose the Yes Bank card you want to apply to
Click ‘Apply Now’
Enter your mobile number.
Enter the personal details like name, date of birth, PAN number, etc.
Enter the OTP sent to your mobile for verification.
Select from the list of eligible offers and submit the application

Offline

You can also apply for the Yes Bank credit card through customer care, netbanking account, SMS, Email, or visiting the Yes bank branch nearest to you.

Fees and Charges of Yes Bank Credit Cards

The credit card fees and charges may vary according to the card. The list below shows the general fees and charges:

Joining or Annual fees	Varies according to the card
Finance Charges	1.99% per month (23.88% per annum) for Yes First Preferred/Yes First Exclusive/Yes Private Card. 3.50% per month or 42% per annum for all other credit cards.
Late Payment charges	Nil to Rs. 1000

Yes Bank Credit Card Benefits & Features

Reward Points: Customers are rewarded for the transactions that they make with Yes Bank credit cards. Every time you swipe your credit card, you can earn reward points and then later redeem them for attractive merchandise
Cashback: You can earn cashback (a part of the money spent) on a product or service with Yes Bank credit cards like the Yes Prosperity Cashback credit card and the Yes Prosperity Cashback Plus credit card,
Welcome Gifts: Yes Bank credit cards come with welcome benefits on card activation. These welcome gifts can be bonus reward points, vouchers, etc.
Lifestyle Benefits: Yes bank credit cards come with various promotional offers across lifestyle categories such as shopping, dining, movie tickets, health and wellness, travel, and more. They also come with other attractive benefits such as complimentary access to domestic airport lounges, fuel surcharge waivers, concierge services, free access to premier golf courses, and more.
Other Benefits:
- Provision to make contactless transactions.
- Online transactions can be protected with a Mastercard Secure code.
- Instant cash advance is offered up to the credit limit at nominal interest rates.
- Your transactions can be converted to EMI and can be paid in easy instalments.
- You can pay your utility bills on or before the due dates using Yes Bank credit cards. You can create standing instructions on YesPayNow to do so.

Yes Bank Credit Card Customer Care

If you have any queries regarding your Yes Bank credit card, you can contact Yes Bank credit card customer care through the following ways:

24*7 Toll-Free Number 1800 103 1212 or 1800 103 6000 for calling from inside India
91 22 4935 0000 for calling from outside India.

Yes Bank Credit Card Application Status

You can track your Yes Bank credit card application status via your mobile number, application form number, or application reference number.

Yes Bank Credit Card Bill Payment

Yes Bank offers a plethora of options for its customers to make bill payments like Netbanking, standing instructions, ATM Funds transfer, standing instructions, cheque, cash, Bill Desk, NEFT/IMPS/RTGS, YES Mobile App, Yes Pay App, and Yes Robot.

Yes Bank Credit Card Balance Enquiry

It is essential to check your credit card balance from time to time as it will help you handle your finances better. It helps you to ensure that you do not spend over your credit limit. Yes Bank makes it easy and convenient to verify your balance anytime you want through various ways.

Yes Bank Credit Card Netbanking

YES BANK provides internet banking facilities to banks in a hassle free and secure way. You can bank from the comfort of your home or from anywhere for that matter. You can avoid long queues and the hassle of physically visiting the branch of the bank.

Closure or Cancellation of Your Yes Bank Credit Card

You can close or cancel a Yes Bank credit card with ease without any hassles. You can do so by contacting the bank either through phone banking or by a postal letter. It is essential that this step be taken when you want to close or cancel a card.

Yes Bank Credit Card FAQ

1. What is the eligibility criteria for getting a Yes Bank Credit Card?

To apply for a Yes Bank credit card online, you need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

2. How to do Yes Bank credit card bill payment?

You can pay the bill on the Yes Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of Yes Bank credit card bill payment. The offline method is where you can pay your bill at any Yes Bank branch.

3. Why was my Yes Bank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contactYes Bank credit card customer care for further information.

4. How can I raise my Yes Bank credit card limit?

You can increase your Yes Bank credit card limit by contacting the bank. You can call the bank through any of their customer care numbers, write to the bank, visit the bank physically and meet any of the related officials, or reach out to them via the rest of the methods available. The customers can call on 1800 103 1212 to request the bank to raise the existing credit limit on their credit card.

5. What is the billing cycle of Yes Bank credit card?

The interest free period for Yes Bank credit cards is 20 to 50 days. However, the interest free period will not be provided when the balance of the previous statement cycle has not been completely paid off prior to the due date.

6. Can I withdraw money with Yes Bank credit cards?

Yes Bank credit cardholders have the option of withdrawing cash from an ATM. You can take out 30% of the amount the credit card is allowed to contain. A transaction fee of 2.5% (minimum Rs. 300) will be levied on each cash withdrawal. A finance charge will also be levied on these transactions.

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