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Yes Bank Credit Card Reward Points

With YES Bank credit cards, you can make your transactions truly rewarding. Every time you swipe the card, you can earn quick reward points and redeem them for exciting merchandise.

Point Earning

You are assured 1250 Reward Points if you spend INR 5,000 within first 30 days of card set-up date.

Annual Bonus Rewards: Earn 12,000 Bonus Reward Points on achieving spends of INR 3.6 Lakhs or more in each anniversary year.

Reward Points Program

  • 5 Reward Points on every INR 100 Retail Spends done on your Birthday
  • 4 Reward Points on every INR 100 International Spends (POS & ECOM)
  • 3 Reward Points on every INR 100 Online and Dining Spends
  • 2 Reward Points on every INR 100 on all other Retail Spends
  • 100 Reward Points on doing 4 transactions of INR 500 or above within statement cycle (valid for first 6 statement cycles only)
  • 500 Reward Points on each YES PayNow registration

You also get an attractive Interest Rate on Revolving Credit and Preferential Foreign Currency Markup of 3.40% only.

Interest Rate of 2.99% per month (35.88% annually) on Revolving Credit, Cash Advances and Overdue Amount for card members who have YES Bank Salary or Savings Account relationship

Interest Rate of 3.22% per month (38.64% annually) on Revolving Credit, Cash Advances and Overdue Amount for Card members who do not have YES Bank Salary or Savings Account relationship

Fuel Surcharge Waiver: Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000e

Lifestyle Benefit: Avail great offers across travel, dining, shopping, wellness and more, in select cities.

Accelerate Rewards Points

You can redeem these Reward points by choosing from an exclusive catalogue of products. Some of the products are:

  • Redemption of Reward Points against JPMiles (4 Reward Points = 1 JPMile)
  • Insurance Coverage
  • Credit Shield cover in case of accidental death of Primary Card member

Accelerate your YES Points by availing special offers at Max Get More partner outlets. This will ensure that you don’t just collect but also multiply your rewards program while purchasing at these outlets. To check out the list of Max Get More partner outlets, please click here.

The YES Points that you accumulate can be redeemed against a plethora of exciting rewards of your choice. You can choose from a vast catalogue of products:

  • Gift Vouchers
  • Seasonal Products
  • Recharge your DTH
  • Recharge your Mobile
  • Book tickets for Movies
  • Book Hotel
  • Book Airline Tickets
  • Book Bus Tickets

Life Time Free Credit Cards

YES FIRST Preferred Credit Card

  • You can earn benefits worth Rs 38,000 in a year.
  • Income criteria: Minimum net monthly Income INR 2.00 lakhs or Income Tax Return of INR 24.00 lakhs and above
  • There are assured 8 reward points per INR 100 of retail spends; the reward points that never expire.
  • Complimentary lounge access on Priority Pass Membership & MasterCard Lounge Programme
  • Preferential Foreign Currency Markup of 1.75% only
  • Best Interest Rate on Revolving Credit of 1.99% p.m. for YES BANK savings and salary account holders

YES Prosperity Edge Credit Card

  • You can earn benefits worth Rs 15,000 in a year.
  • Income criteria: Minimum net monthly income of INR 60,000 or Income Tax Return of INR 7.20 lakhs and above
  • Welcome onboard with 1,500 reward points and annual bonus of 15,000 reward points
  • Up to 6 reward points per INR 100 of retail spends; reward points that never expire.
  • Best Interest Rate on Revolving Credit of 2.99% p.m. for YES BANK Savings & Salary Account holders
  • Complimentary priority Pass Membership

Business Credit Cards

YES PREMIA Credit Card

  • You can earn benefits worth Rs 18,513 in a year.
  • Income criteria: Minimum Net Monthly Income INR 1.20 lakhs or Income Tax Return of INR 14.40 lakhs and above
  • Up to 5 reward points per INR 100 of retail spends; reward points that never expire.
  • Best Interest Rate on Revolving Credit of 2.99% p.m. for YES BANK savings and salary account holders
  • Complimentary lounge access on Priority Pass Membership and MasterCard Lounge Programme
  • 25% discount of up to INR 250 per month on booking tickets on Book My Show

YES Prosperity Rewards Plus Credit Card

  • You can earn benefits worth Rs 5,500 in a year.
  • Income criteria: Minimum Net Monthly Income of INR 25,000 or Income Tax Return of INR 5.00 lakhs and above
  • Welcome onboard with 1,250 Reward Points and Annual Bonus of 12,000 Reward Points
  • Up to 5 reward points per INR 100 of retail spends; reward points that never expire.
  • Best Interest Rate on Revolving Credit of 2.99% p.m. for YES BANK Savings and Salary Account holders

Other Cards

YES Prosperity Edge Credit Card

  • You can earn benefits worth Rs 15,000 in a year.
  • Income criteria: Minimum Net Monthly Income of INR 60,000 or Income Tax Return of INR 7.20 lakhs and above
  • Welcome onboard with 1,500 Reward Points and Annual Bonus of 15,000 Reward Points
  • Up to 6 reward points per INR 100 of retail spends; reward points that never expire.
  • Best Interest Rate on Revolving Credit of 2.99% p.m. for YES BANK Savings & Salary Account holders.
  • Complimentary Priority Pass Membership

YES Prosperity Rewards Credit Card

  • You can earn benefits over Rs 4,000 in a year.
  • Income criteria: Minimum Net Monthly Income of INR 25,000 or Income Tax Return of INR 5.00 lakhs and above.
  • Welcome onboard with 1,000 Reward Points and Annual Bonus of 10,000 Reward Points
  • Up to 4 reward points per INR 100 of retail spends; reward points that never expire.
  • Best Interest Rate on Revolving Credit of 2.99% p.m. for YES BANK Savings & Salary Account holders

Frequently Asked Questions

1. What should I do if my card is lost or damaged?

If in case of loss or damaged card, inform the YES Bank, 24-hour customer care centre. The lost or damaged card will be instantly blocked and a new card will be delivered to you within seven days.

2. Can I retain my credit card if I emigrate?

Credit cards are issued to resident Indians only. Therefore, under RBI guidelines, you have to clear your outstanding and surrender your credit card to the issuing bank if you are proceeding abroad on employment or on emigration

3. Can I use my credit card for expenses on the internet?

Yes, your credit card can be used for expenses on the Internet. However, the Reserve Bank of India prohibits its use for certain expenses on its banned list like football pools, sweepstakes and lotteries.

4. What do I do if my credit card is declined?

In case the card is declined you can call the YES bank Customer Care Centre.

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Corporate Agent (Composite)

CreditMantri Finserv Private Limited

CIN No

U72100TN2012PTC085154

IRDAI Registration Number

CA0665

Valid Till

01-Aug-2025

ADDRESS

CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002

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