Check your YES Bank Credit Card eligibility

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Note: It will not affect your score

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Bank

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.

Bank

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

There are various procedures associated with the Yes Bank credit card. Here are some quick Links to handle your Yes Bank credit card

Say YES to more rewards with Yes Bank Credit Card

Benefits across dining, shopping, travel & more

Points that never expire

Attractive intrest rates

Health & wellness benefits

Apply Now

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

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you


1. Sign on bonuses: Some of the credit cards from Yes Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your Yes Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your Yes Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some Yes Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on your spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

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.

Conclusion

YES Bank Credit Cards come with a host of features, lifestyle privileges, and rewards. Thus, you can choose a Yes Bank credit card according to your spending habits and enjoy the benefits.

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.

Latest & Update Yes Bank Credit Card News

Yes Bank and Zaggle Partner to Launch A Corporate Credit Card28 Aug 2023

Yes, Bank has partnered with Zaggle, a leading spend management platform, to launch an innovative co-branded credit card - 'YES BANK Zaggle Corporate Credit Card'. The launch of this card aims to help businesses optimize cash outflows by enabling th...

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Yes, Bank has partnered with Zaggle, a leading spend management platform, to launch an innovative co-branded credit card - 'YES BANK Zaggle Corporate Credit Card'. The launch of this card aims to help businesses optimize cash outflows by enabling them to combine with Zaggle's Zatix, a spend management and analytics platform. The card empowers businesses to gain direct control over company expenditures by equipping them to set individual spending limits, apply merchant category restrictions, and implement diverse controls. Additionally, cardholders get a range of benefits like discounts, reward points, lounge access, travel insurance, and golf privileges. Businesses today require real time analytics to manage their spending better. The corporate card integrated with Zaggle Zatix aims to address this need by providing CFOs with the certain tools they need for intelligent spend decision making, for strategic cost controlling, and for optimal management of cash flow.

YES Bank launches Wellness-themed Credit Cards to Encourage Customers to Focus on their Holistic Wellbeing2 Feb 2021

YES Bank in partnership with Aditya Birla Wellness Pvt Ltd has announced two wellness-themed credit cards: YES Bank Wellness and YES Bank Wellness Plus. These cards are aimed to provide customers with an array of health and wellness benefits in the p...

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YES Bank in partnership with Aditya Birla Wellness Pvt Ltd has announced two wellness-themed credit cards: YES Bank Wellness and YES Bank Wellness Plus. These cards are aimed to provide customers with an array of health and wellness benefits in the post-Covid-19 era. The key benefits of these cards include: extra reward points on pharmacy spends, complimentary annual health checkup for the cardholder, 12 complimentary physical fitness sessions (Zumba, Gym or Yoga) every month, unlimited round the clock on-call doctor consultations, customized diet plans, free fitness assessment and more.

YES Bank launches Yes Private Prime Credit Card for HNIs21 Dec 2020

Available on the Mastercard platform, the Yes Private Prime credit card from YES Bank is aimed HNIs (High-Net-Worth Individuals). It offers premium services designed for affluent individuals who look for unique and luxurious lifestyle privileges and ...

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Available on the Mastercard platform, the Yes Private Prime credit card from YES Bank is aimed HNIs (High-Net-Worth Individuals). It offers premium services designed for affluent individuals who look for unique and luxurious lifestyle privileges and experiences. Some of the highlights of the card include: unlimited access to airport lounges, meet and greet services at airports, gift vouchers worth Rs. 9000 from Oberoi Hotels and Resorts on annual renewal, access to best golf courses in India and overseas, special privileges at leading hotel chains like Mandarin, Intercontinental and Taj. The other unique benefits include never-expiring reward points, low Forex mark-up of 1.75%. The card is invite only – and is offered to HNIs based on their net value.

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