YES BANK Credit Card Online Payment

Last Updated : April 23, 2025, 6:12 p.m.

Yes Bank, a prominent private sector bank in India, offers its credit card customers multiple convenient payment options to settle their bills. Whether you want to use convenient digital modes or traditional offline methods, Yes Bank has you covered. This comprehensive guide details all available Yes Bank credit card payment methods to help you choose the most suitable option for your needs.

Online Payment Methods

Yes Bank Credit Card Payments Via Internet Banking

Yes Bank account holders can easily pay their credit card bills through net banking by following these steps:

• Register for internet banking using your Yes Bank customer ID and password
• Add your Yes Bank credit card as a biller by selecting "Add Biller" and entering your card details
• Wait for the request to be processed and verify the biller addition
• Make the payment towards your credit card bill
• An acknowledgment receipt will be sent via email or SMS for the successful transaction

2. Yes Bank Credit Card Payments via NEFT

National Electronic Funds Transfer (NEFT) allows you to transfer funds from any bank account to your Yes Bank credit card through the following steps:

• Add your Yes Bank credit card as a beneficiary in your bank's NEFT facility
• Use the IFSC code 'YESB0CMSNOC' to finish the process
• Enter your 16-digit credit card number as the account number
• Initiate the funds transfer.

3.Yes Bank Credit Card Payments via RTGS

Real Time Gross Settlement (RTGS) is ideal for transferring larger amounts through the following steps:

• Add your Yes Bank credit card as a beneficiary using your bank's RTGS facility
• Use the IFSC code 'YESB0CMSNOC'
• Enter your 16-digit credit card number as the account number
• Complete the transfer with your bank's required authentication.

4. Yes Bank Credit Card Payments Via Mobile Banking

The Yes Mobile App offers a convenient way to manage your credit card payments through the following steps:

• Log in with your net banking credentials, debit card number and PIN, or customer ID, date of birth, and PAN number
• Once authenticated, you'll receive an OTP on your registered mobile number
• Verify your mobile number by entering the OTP
• Set a 6-digit MPIN or enable biometric authentication
• Navigate to the credit card payment section and complete your payment.

5. Yes Bank Credit Card Payments via Bill Desk

Non-Yes Bank account holders can use the Bill Desk platform to pay their credit card bills in three simple steps:

• Provide your 16-digit Yes Bank Credit Card Number and payment amount
• Select the bank account using which you want to transmit the funds
• You'll be taken to the NetBanking interface of the bank that you have chosen with safety
• Confirm the payment details
• Upon successful authentication, your bank account will be debited
• Receive an online confirmation with a Transaction Reference Number.

6. Yes Bank Credit Card Payments via UPI

Use any UPI-enabled app to pay your Yes Bank credit card bills through the following steps:

• Open the UPI app that you desire to use (Google Pay, PhonePe, Paytm, etc.)
• Select the option to pay bills or add a new biller
• Select 'Credit Card' as the biller category and 'Yes Bank' as the provider
• Key in your 16-digit credit card number. Then, complete the verification process
• Enter the payment amount. Authenticate the transaction with your UPI PIN.

7. Yes Bank credit card payments via Autopay / Standing Instructions

Set up automatic payments to avoid the missing of due dates. Follow the instructions given below to do so.

• Establish standing instructions for a pre-determined amount to be automatically debited from your bank account every month
• This eliminates the need to manually track payment due dates
• You can modify or cancel existing standing instructions as needed.

Offline Payment Methods

1. Yes Bank Credit Card Payments via ATM

Make payments through Yes Bank ATMs. Follow the steps given below:

• Visit the nearest Yes Bank ATM
• Insert your Yes Bank debit card and enter your PIN
• Select the 'Fund Transfer' option
• Select the option to send funds to your credit card
• Enter your 16-digit credit card number and the payment amount
• Confirm the transaction details and complete the payment.

2. Yes Bank Credit Card Payments via Cheque

The traditional cheque payment option remains available:

• Make the cheque payable to your Yes Bank credit card account
• Write your 16-digit card number on the cheque
• Put the cheque at any Yes Bank drop box
• Don’t forget to specify your full name and mobile number on the reverse of the cheque.

3. Yes Bank Credit Card Payment via Cash

For those who prefer cash transactions:

• Go to your nearest Yes Bank branch with cash and your credit card
• Inform the bank staff that you wish to make a credit card payment
• Fill the required payment slip with information pertaining to your credit card.
• Note that a processing fee might be levied for cash payments.

Choosing the Best Payment Method

Factors to Consider

• Convenience: Online methods like mobile banking and UPI offer 24/7 payment options without visiting a branch.
• Speed of Processing: NEFT and RTGS payments are processed faster than cheques, which may take 2-3 working days.
• Transaction Costs: Most online payment methods are free for Yes Bank account holders, while cash payments might incur a processing fee.
• Payment Amount: For large payments, RTGS might be more suitable as it has higher transaction limits compared to UPI.
• Payment Confirmation: Online methods provide immediate confirmation, while offline methods may take time for verification and processing.

Fee Structure

• Internet Banking: Free for Yes Bank account holders
• NEFT/RTGS: Subject to your bank's NEFT/RTGS charges
• UPI Transactions: Generally free, but check with your UPI service provider
• Cash Payments: May incur a processing fee at the branch
• Cheque Payments: No direct fee, but consider the time delay in processing.

Conclusion

Yes Bank offers an extensive array of payment solutions designed to make credit card bill settlements effortless and accessible for every cardholder. From cutting-edge digital platforms to conventional payment channels, Yes Bank ensures there's a suitable option aligned with your personal preferences and lifestyle. Making your Yes Bank credit card payments on time plays a vital role in building and preserving a strong credit score and profile while eliminating unnecessary late payment fees. Select the payment method that best fits your routine to ensure consistent, punctual payments every billing cycle. Also, to maintain a good credit score, you need to check your score periodically. The 4 credit bureaus give a free report every year as directed by the RBI. Apart from that, there are fintech portals on the website which enable you to check your credit score for free and also provide a detailed credit report. Do a free CIBIL score check on Wishfin, the first official fintech partner of TransUnion. You will get an updated and accurate CIBIL score.