YES Bank Credit Card

If you're searching for what is going to happen to your credit cards post the RBI's decision of giving a 3-month moratorium period for all retail borrowers in its monetary policy meet held on March 24-27, 2020, let's be told that it's going to cover you too. But, in your best interest, it is advisable to pay your bills on or before the due date as the interest will be accrued for three months and get combined together to form a tall amount at the end of the moratorium period. So, if you get your salary during this phase, look to pay off your bills.

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

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    Professional Details

    Personal Details

    YES Bank Credit Card Offers April 2020 – Reward Points, Discounts, Cashback & Other Benefits

    Yes Bank Credit CardsFees
    Yes Prosperity Edge Card
    • Annual Fee - ₹1,000. It can be reversed on a spend of 15,000 within 90 days from the card set-up date
    • Renewal Fee - ₹1,000, which can be reversed with a spend of ₹75,000 within 12 years before the renewal
    • Interest rate on revolving credit - 2.40% per month
    Yes Prosperity Rewards Plus Credit Card
    • Annual Fee - ₹350, can be reversed on a total spend of ₹7,500 within 90 days from the set-up date of the card
    • Renewal Fee - ₹350, can be reversed on a total spend of ₹25,000 within 12 months from the date of renewal
    • Interest rate on revolving credit - 2.40% per month
    Yes Prosperity Rewards Credit Card
    • Annual Fee - ₹250, can be reversed on spending ₹5,000 within 90 days from the set-up date of the card
    • Renewal Fee - ₹250, can be reversed on spending ₹15,000 within 12 months from the renewal date
    • Interest on revolving credit - 2.40%-3.22% per month
    Yes Prosperity Cashback Plus Credit Card
    • Annual Fee - ₹1,500+Applicable Taxes
    • Renewal Fee - ₹1,500+Applicable Taxes
    • Interest on revolving credit - 2.40%-3.22% per month
    Yes Prosperity Cashback Credit Card
    • Annual Fee - ₹1,000+Applicable Taxes
    • Renewal Fee - ₹1,000+Applicable Taxes
    • Interest on revolving credit - 2.40%-3.22% per month

    Yes Prosperity Edge Card

    • Get 15,000 reward points on your annual spend of ₹6 lakhs
    • And claim 1,500 points by spending ₹7500 within 30 days of the card set-up
    • Earn 6 reward points on every retail spend on your birthday of minimum ₹100
    • Every ₹100 spend on international transactions fetch you 5 reward points
    • ₹100 spend on grocery, supermarkets, dining and departmental stores give 4 points
    • Every other retail spends can accumulate 2 reward points on your card
    • 500 reward points are earned on each registration of Yes PayNow
    • Reward points redeemable at website dedicated for hotel, flight/movie
    • Reward points can be redeemed against JPMiles, 1JPMile=4 reward points
    • Get access to Priority Pass Membership worth US$ 99 without any additional fee
    • Avail 2 complimentary access to lounges at select Indian airports in a quarter
    • And one complimentary golf session in a month
    • Get fuel surcharge waiver at petrol pumps for all transactions between ₹400-5,000
    • ₹50 Lakh air accident cover on flight accidents
    • Credit shield cover of ₹2.5 lakhs on the death of primary cardholder due to accident
    • Get a cover of ₹15 lakhs in the event of medical emergencies while traveling overseas

    Yes Prosperity Rewards Plus Credit Card

    • Earn 1250 reward points by spending ₹5,000 within 30 days of card activation
    • On an annual spend of 3.6 lakhs in a year earn 12,000 reward points
    • Earn 5 reward points on every retail spend of ₹100 made on your birthday
    • Every ₹100 spend on international transactions to result in 4 reward points
    • On your retail spends of ₹100 on grocery and supermarkets earn 3 reward points 
    • Every other retail spends fetch you 2 reward points
    • 500 reward points on each Yes PayNow registration
    • You can redeem reward points against JPMiles
    • Enjoy fuel surcharge waiver at petrol pumps for all transactions between ₹400-5,000
    • A shield credit cover of ₹1 lakh available in case the primary cardmember expires in an accident

    Yes Prosperity Rewards Credit Card

    • Get 1000 reward points on your card within 30 days of activation by spending INR 2,500
    • 10,000 reward points on achieving ₹1.8 lakh spends in a year
    • Earn 4 reward points on every retail spend of ₹100 made on the birthday
    • Every ₹100 spend on international transactions to result in 3 reward points
    • Retail spends on grocery and supermarkets of ₹100 provide you 2 reward points
    • Every other retail spends will fetch you 1 reward point
    • Register to Yes PayNow and earn 500 reward points on your card
    • Reward points redeemable at dedicated product catalog
    • Enjoy fuel surcharge waiver at petrol pumps for all transactions between ₹400-5,000

    Yes Prosperity Cashback Plus Credit Card

    • Welcome benefit of ₹250 cashback on a spend of ₹2,500 within 30 days of the card set-up date
    • Enjoy 5% cashback each on movie ticket booking, grocery shopping and bill payments via Yes Pay Now
    • All other retail spends to yield 0.75% cashback
    • Fuel surcharge waived on transactions worth ₹400-5,000 at all petrol pumps in India
    • A shield credit cover of ₹1 lakh available in case the primary cardmember expires in an accident

    Yes Prosperity Cashback Credit Card

    • Welcome benefit of ₹250 cashback by spending ₹2,500 within 30 days of the card set-up date
    • Enjoy 5% cashback each on movie ticket booking, grocery shopping and bill payments via Yes Pay Now
    • 0.50% cashback available for all other retail spends
    • Fuel surcharge waived on transactions worth ₹400-5,000 at all petrol pumps in India

    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 ₹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 anfd give you a fresh statement.

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