YES BANK Credit Card

YES BANK is steadily topping the chart in various verticals of banking such as Corporate Investment Banking, Transaction Banking, Treasury, etc. It is well on the way to achieve its long-term mission of ‘Building the Finest Quality Bank of the World in India by 2020’ by providing an extensive line of customized products and services, including credit cards. These cards come with numerous reward points and cashback offers to appeal to the customers. Check out the details of these cards in this page.

Credit Card

Quotes from 11 banks | Best Offers and Rewards

    Professional Details

    Personal Details

    List of Best YES BANK Credit Cards in India May 2021

    YES BANK Credit CardsFees
    YES First Preferred Credit Card
    • Joining Fee - INR 2,499
    • Spend-based Reversal of Joining Fee - NA
    • Annual Fee - 2,499
    • Welcome Gift - Earn 10,000 reward points on your first transaction done within the first 90 days of the card set-up date
    • Spend-based Reversal of Annual Fee - Spend INR 4 lakh in a year and get the annual fee reversed for the next year

    • Earn 16 reward points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • Enjoy 8 reward points per INR 200 spent on other categories
    • Earn 7,500 reward points on each renewal
    YES Premia
    • Joining Fee - INR 1,599, can be waived on a total spend of INR 25,000 within 90 days from the set-up date of the card
    • Renewal Fee - INR 1,599, can be waived on a total spend of INR 1,50,000 within 12 months prior to the date of renewal
    • Grab 8 reward points per INR 200 spent on grocery stores, supermarkets, department stores and dining
    • Earn 6 reward points per INR 200 spent on other categories
    • Interest rate on revolving credit - 3.50% per month
    YES Prosperity Edge Card
    • Joining Fee - INR 1,199. It can be waived on a spend of INR 15,000 within 90 days of the card set-up date
    • Renewal Fee - INR 1,199, which can be waived on spending INR 75,000 within 12 months prior to the card renewal date
    • 8 reward points per INR 200 spent on grocery stores, supermarkets, department stores and dining
    • Get 4 reward points per INR 200 spent on other categories

    • Interest rate on revolving credit - 3.50% per month
    YES Prosperity Rewards PLUS
    • Joining Fee - INR 499, can be reversed on a total spend of INR 10,000 within 90 days from the set-up date of the card
    • Renewal Fee - INR 499, can be reversed on a total spend of INR 50,000 within 12 months prior to the renewal
    • Earn 6 reward points per INR 200 spent on grocery stores & supermarkets
    • Earn 4 reward points per INR 200 spent on other categories
    • Interest rate on revolving credit - 3.50% per month
    YES Prosperity Business
    • Joining Fee - INR 2,499, 10,000 Reward Points on first transaction within 30 days from the set-up date of the card
    • Annual Fee - INR 2,499
    • 8 Reward points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • Earn 4 reward points per INR 200 spent across other categories
    • 7,500 Reward Points on each renewal
    YES First Business
    • Annual Fee - INR 4,999, 20,000 Reward Points on first transaction within 30 days from the set-up date of the card
    • Renewal Fee - INR 4,999
    • 16 reward points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • 8 reward points per INR 200 spent on all other categories
    • 15,000 reward Points on each renewal

    Note – Fees will also include applicable Goods and Services Tax (GST).

    YES First Preferred Credit Card

    • Earn 16 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • Enjoy 8 Reward Points per INR 200 spent on all other categories
    • Bonus 1000 Reward Points on each YES PayNow registration
    • Evergreen reward points
    • 1 reward point will fetch you INR 0.25 on redemption
    • Reward Points can be redeemed against gift catalogue and at dedicated website for flights, hotels and movie tickets
    • Redemption of Reward Points against Air Miles where 10 Reward Points equal to 1 InterMile or 1 Club Vistara Point
    • Earn 20,000 Bonus Reward Points on achieving spends of INR 7.5 Lakh or more in each anniversary year
    • Preferential Foreign Currency Markup of 1.75%
    • Credit Shield cover is available
    • Enjoy 4 complimentary rounds of green fees per calendar year along with one complimentary Golf Lesson every month at select golf courses in India
    • Complimentary Priority Pass Membership and 4 Complimentary Visits outside India in a calendar year for the Primary Cardmember only
    • Enjoy Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers at more than 25 Lounges in India
    • Life Insurance Cover of INR 1 Crore for death due to Flight Accident
      Medical Insurance cover of INR 25 Lakh for emergency hospitalization when travelling overseas
    • A discount of 25% on movie tickets upto INR 250 per month on BookMyShow
      Dedicated Concierge and Roadside Assistance

    YES Prosperity Edge Card

    • Earn 8 Reward Points per INR 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends
    • 4 Reward Points per INR 200 on other categories
    • On each YES PayNow registration, earn 500 Reward Points
    • No expiry date of reward points
    • 1 reward point equals to INR 0.25 on redemption
    • Reward Points can be redeemed against gift catalogue
    • Reward Points can be redeemed at the dedicated website for flights, hotels and movie tickets
    • Redemption of Reward Points against Air Miles where 10 Reward Points equals to 1 InterMile/ 1 Club Vistara Point
    • Earn 15,000 Bonus Reward Points on achieving spends of INR 6 Lakh or more in each anniversary year
    • Preferential Foreign Currency Markup of 3.00% only
    • Credit Shield cover in case of accidental death of the Primary Cardmember
    • Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India along with one complimentary Golf Lesson every calendar month at select golf courses in India
    • Fuel surcharge waiver granted at all petrol pumps for transactions between INR 400 and INR 5000 (with a total waiver in a statement cycle being capped at INR 250)
    • Complimentary Priority Pass Membership for Primary Cardmember only
      Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30+ Lounges in India
    • Air Accidental Death Coverage of INR 50 Lakh with a Life Insurance
      Medical Insurance cover of INR 15 Lakh for emergency hospitalization when travelling overseas

    YES Prosperity Rewards Plus Credit Card

    • Earn 6 Reward Points per INR 200 spent on Grocery Stores & Supermarkets and 4 Reward Points per INR 200 spent on other categories
    • Complimentary 500 Reward Points on each YES PayNow registration
    • Earned reward points never expire
    • The value of 1 reward point will be INR 0.25 on redemption
    • Reward Points redeemable against gift catalogue
    • Redemption of Reward Points against Air Miles where 10 Reward Points will be equal to 1 InterMile / 1 Club Vistara Point
    • Earn 12,000 Bonus Reward Points on achieving spends of INR 3.6 Lakh or more in each anniversary year
    • Preferential Foreign Currency Markup of 3.40% only
    • Fuel surcharge waiver granted at all petrol pumps for transactions between INR 400 and INR 5000 (with a total waiver in a statement cycle being capped at INR 125)
      Credit Shield cover in case of accidental death of the Primary Cardmember

    YES Prosperity Business Credit Card

    • Earn 8 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • Earn 4 Reward Points per INR 200 spent on all other categories
    • 500 Reward Points Bonus on each YES PayNow registration
    • Reward Points never expire; 1 reward point equals INR 0.25 on redemption
    • Reward Points can be redeemed against the gift catalogue or at a dedicated website for flights, hotels, and office supplies
    • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
    • Earn 10000 Reward Points on spending INR 6 lakh in a year
    • Fuel surcharge waiver across all petrol pumps for transactions between INR 400 and INR 5000 (with the total waiver in a statement cycle being capped at INR 500)
    • Preferential Foreign Currency Markup of 2.50% only
    • INR 2.5 Lakh credit shield cover on the accidental death of the Primary Cardmember
    • Waiver of green fee at select golf courses and 1 complimentary lesson/month
    • Complimentary Priority Pass membership with 3 complimentary International lounge access for Primary Cardmembers in a calendar year
    • 2 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for the Primary Cardmember
    • INR 50 Lakh Air accidental cover in case of death due to a flight accident
    • Hospitalization cover of INR 15 Lakh against medical emergencies while traveling overseas

    YES First Business Credit Card

    • Earn 16 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
    • Earn 8 Reward Points per INR 200 spent on all other categories
    • Bonus 1000 Reward Points on each YES PayNow registration
    • No expiry date for reward points
    • 1 reward point equals INR 0.25 on redemption
    • Reward Points can be redeemed against gift catalogue or at a dedicated website for flights, hotels and office supplies according to your desire
    • Redemption of Reward Points against Air Miles. Here 8 Reward Points will be equal to 1 InterMile or 1 Club Vistara Point)
    • Earn 20,000 Reward Points on achieving annual spending of INR 12 Lakhs or more in each anniversary year
    • Fuel surcharge waiver given across all petrol pumps for transactions between INR 400 and INR 5000 (with a total waiver in a statement cycle being capped at INR 1,000)
    • Preferential Foreign Currency Markup of 1.75% only
    • INR 5 Lakh credit shield cover on the accidental death of the Primary Cardmember
    • Waiver of green fee at select golf courses and 1 complimentary lesson/month
    • Complimentary Priority Pass membership with 6 complimentary international lounge access for the Primary Cardmembers in a calendar year
    • 3 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for the Primary Cardmember
    • INR 1 Crore air accidental cover in case of death due to a flight accident
    • INR 25 Lakh cover for medical emergencies while travelling overseas
      Dedicated Concierge and Roadside Assistance

    YES Premia

    • Earn 8 Reward Points per INR 200 spent on Grocery Stores & Supermarkets, Department Stores and Dining
    • 6 Reward Points per INR 200 spent on other categories
    • Earn 750 Reward Points on each YES PayNow registration
    • 1 reward point equals to INR 0.25 on redemption
    • A discount of 25% on movie tickets upto INR 250 per month at BookMyShow.com
    • Reward Points can be redeemed against gift catalogue
    • Reward Points can be redeemed at a dedicated website for flights, hotels and movie tickets
    • Redemption of Reward Points against Air Miles where 10 Reward Points equal to 1 InterMile or 1 Club Vistara Point
    • Credit Shield cover of INR 2.5 lakh in case of accidental death of the Primary Cardmember
    • Waiver of Green fee 4 times at select golf courses and 1 complimentary lesson/month
    • Enjoy Priority Pass Membership and 2 complimentary visits outside India in a calendar year for the Primary Cardmember only
    • Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers at more than 25 Lounges in India under the Mastercard Lounge Program
    • Preferential Foreign Currency Markup of 2.50% only
    • Fuel surcharge waiver across all petrol pumps for transactions between INR 400 and INR 5000 (with a total waiver in a statement cycle being capped at INR 250)

    YES BANK Credit Card Eligibility

    Want to apply for these credit cards? You should first know the eligibility requirements before applying. For your convenience, the eligibility parameters are stated in the points below.

    • Both salaried and self-employed can apply for a credit card
    • The minimum and maximum age should be 21 years and 60 years, respectively
    • The annual earning of an applicant must not be less than INR 5.5 lakh

    How to Apply for YES BANK Credit Card?

    You can apply for a credit card of your choice through any of the online or offline mediums. But for enhanced convenience, it is better to visit the official website of YES BANK and navigate to the ‘Credit Card’ section. On reaching here, you can click on ‘Apply Now’ button to get to a page asking you to input your personal and professional details. Fill those details correctly before submitting your application. By going online, you give yourself the best chance to apply fast as you can do so anytime, anywhere.

    But if you are not comfortable online, you can anyways visit the nearest bank branch to submit your application. At the branch, you should ask for the credit card application form and enter your personal and professional details correctly before submitting it to the concerned branch official for further processing. The bank will check the details thoroughly and give the nod when it is satisfied with the information you provide at the time of application.

    Know Your YES BANK Credit Card Application Status Here

    Submitted the application and want to know its status? Visit the bank’s website and press the ‘Click Here’ button placed next to ‘Track Your Application Status’. On pressing the button, a new page will open and ask you to enter either the Application Form Number or Application Reference Number along with your mobile number. You also need to type the Captcha Code, as shown, in the prescribed space.

    After filling these details, you can click ‘Submit’ and know the status. So, whether the card application is approved, left pending for approval or rejected will be displayed on the screen. You can even call the 24X7 customer care number – 18001031212 – to know the status. The customer care executives can also take queries with regards to card offers, payment modes, statement, and others.

    YES BANK Credit Card Limit

    The credit limit is one of the top considerations for credit card shoppers. And, the reason is obvious – a credit limit decides to the extent up to which you can shop for. YES BANK will see your income, repayment potential and CIBIL score before setting the limit for you. If you have a healthy income, it will enhance your repayment capability.

    And when you have a good credit score by virtue of servicing the ongoing or past debt smoothly, a greater limit becomes all the more formality. But show discretion in utilizing the credit limits so that you can pay the dues on time and maintain a good credit record.  This will only brighten the future credit prospects.

    YES BANK Credit Card Payment

    You can login to internet banking to pay the card dues. While filling the application form, you can set up a standing instruction for an auto-debit of the bills. If you do so, the dues would get automatically debited from your account on the specified date. You can even use the offline modes of cheque and cash to pay the bills. However, the cash option can incur some charges.

    A timely and regular payment would help build a strong credit history.

    YES BANK Credit Card Customer Care Number

    If you experience any difficulty or have queries to sort out, feel free to call the 24×7 toll-free number – 18001031212. The customer care executives are all waiting for your call to resolve the issue you may have. Be it the reward points, cashback or the statement, you can raise anything to the executive who will come with an appropriate answer to solve your query. So, don’t hesitate, ask and resolve the queries fast.

    Check YES BANK Credit Card Statement Details

    You should check the statement regularly to look at the card transactions. See how much you have shopped for, the total due, the charges levied, if any, etc.  Not only it shows the total dues and due date of payment but also the  minimum due, accounting for about 5% of the total dues. If there are some wrong transaction enteries, you can report it to the bank on their helpline numbers or mail your complain to the bank’s email ID. Afterward, the bank will rectify it and give you a fresh statement.

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