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Yes Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Yes Bank is a name to reckon in the credit market.
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, banks offer varied credit cards under the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for a credit card must meet the following eligibility criteria.
To apply for a Yes Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 65 years. Anyone falling under this age limit can apply for a credit card with Yes Bank.
You must have a regular income to avail a Yes Bank credit card. The income criteria differ according to the features and specifications of the card. If you are opting for a business credit card, the required net monthly income will be minimum of 5 Lakhs. The minimum income required to get a regular Yes Bank credit card is INR 40,000.
The customer should show a proof of steady source of income to avail a credit card from Yes Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
The applicant must check the following things while applying for a credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get a Yes Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
How to Apply for Yes Bank Credit Card?
If you want to apply for a Yes Bank credit card, the process is simple, and you can follow the steps given below to get it.
To apply for a Yes Bank credit card, you need to submit the following documents.
Yes Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
The credit limit on the Yes Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can get in touch with the Yes Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1800 103 6000 from your mobile and Landlines in India. People staying outside of India can call +91 22 4935 0000.
You can also the email at yesfirstcc(at)yesbank(dot)in to contact the credit card customer care.
Yes Prosperity Credit Cards:
Yes First Credit Cards:
You can call the toll-free number 1800 103 1212 from your mobile and Landlines in India. People staying outside of India can call +91 22 4935 0000.
You can also the email at yestouchcc(at)yesbank(dot)in to contact the credit card customer care.
How to Pay Yes Bank Credit Card Bill?
You can use the following methods to pay your Yes Bank credit card bills.
Yes Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the Yes Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to Yes Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
Cash payment: You can pay your Yes Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
Credit Card Customer Care
You can call the credit card customer care toll-free numbers of the bank from your mobile and Landlines in India.
You can also write to bank’s zonal offices or to the email id given by the bank and post your queries related to credit cards.
It is now easy to check whether you are eligible to get a Yes Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. What are the age limits to apply for a Yes Bank Credit Card?
For applying for a credit card from Yes Bank, the applicant has to be a minimum of 21 years of age and maximum 60 years of age.
2. What is the minimum monthly income required for a Yes Bank credit card?
The minimum monthly income required to be eligible for Yes Bank Credit card is Rs. 40,000. This limit will be increased in case of Yes Bank Prosperity Edge Credit Card.
3. Who is eligible to apply for the Yes Bank Credit Cards?
The credit cards of Yes Bank can be applied by existing customers of the bank or new customers. The cards are available to both salaried employees and self-employed persons provided they meet the eligibility criteria set by the bank.
4. What are the various modes of applying a credit card at Yes Bank?
The various modes to apply for a credit card of Yes Bank are either through the online portal of the Bank or by visiting the nearest branch of the bank. The online portals of the Bank include the following mediums
5. Can a Yes Bank credit card holder increase the existing limit of his/her Yes Bank credit card?
Yes. An existing credit card holder of Yes Bank can increase the limit of his/her existing Yes Bank credit card by contacting the Bank and duly filling the relevant form for the same. This form has to be accompanied with the latest ITR and the latest pay slips that support the increased income and the better credit profile of the applicant.
6. Can the credit card limit of an existing card holder be reduced?
Yes. Yes Bank reserves the right to revise the credit limit of its card holders even without giving them any prior notice. The credit card limit of an existing card holder can be reduced based on the credit history of the card holder which is constantly reviewed. If the credit score of the card holder or the repayment capacity of the card holder is reduced or if there is a continuous delay in clearing the credit card dues and exhausting the limit of the card multiple times, the bank may reduce the credit limits of the cardholder.
7. Can a Yes Bank card holder check the available balance in the credit card limit?
Yes. Yes Bank allows the credit card holders to check the available balance in the credit card limit through its net banking facility, by sending an SMS through the registered mobile number, or by connecting the customer care services of the Bank.
8. How can a person check the eligibility for a credit card from Yes Bank?
A person can check their eligibility for Yes Bank credit card by contacting the Bank at their nearest branch or by visiting the website of the bank for such details or by connecting the customer care service of the bank for the same.
9. What is the customer care number of Yes Bank to check eligibility of credit cards of the bank?
Yes Bank toll free customer care number to check the eligibility for the credit cards of the bank is 1800 103 1212 for mobile and landlines within India and for customers outside India, the available number is +91 22 4935 0000.
10. Can a person pay their credit card dues through net banking?
Yes. A person can pay their credit card dues online through net banking by adding it as payee first and then settling the dues through the available payment modes.
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