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.

List of Best YES BANK Credit Cards in India January 2023

List of Best YES BANK Credit CardsJoining FeesAnnual Fees
YES Prosperity Business Card
  • INR 2,499+GST
  • INR 2,499+GST
YES First Business Card
  • INR 4,999+GST
  • INR 4,999+GST
YES Prosperity Rewards Plus Card
  • INR 499+GST
  • Spend INR 10,000 in first 90 days to get joining fee reversed
  • INR 499+GST
  • Spend INR 50,000 in a year to get next year fee reversed
YES Prosperity Edge Card
  • INR 1,199+GST
  • Spend INR 15,000 in first 90 days to get joining fee reversed
  • INR 1,199+GST
  • Spend INR 75,000 in a year to get next year fee reversed
YES Premia Card
  • INR 1,599+GST
  • Spend INR 25,000 in first 90 days to get joining fee reversed
  • INR 1,599+GST
  • Spend INR 1,50,000 in a year to get next year fee reversed
YES First Preferred Card
  • INR 2,499+GST
  • INR 2,499+GST
  • Spend INR 4,00,000 in a year to get next year fee reversed
YES First Exclusive Card
  • INR 9,999+GST
  • INR 9,999+GST
  • spend INR 6 Lakhs in an year and get waiver on renewal membership fee for subsequent year

YES Prosperity Business Card

  • Welcome Gift – 10,000 Reward Points on first transaction within 30 days of card set up date
  • Renewal Reward Points – Earn Renewal benefit of 7,500 Reward Points on each renewal
  • Accelerated Points – 4 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’
  • Points on Other Categories – 2 Reward Points for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 500 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against exclusive gift catalogue
  • Reward Points can be redeemed at dedicated website for flights,hotels and office supplies
  • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – 10000 Reward Points on spending 6 lakhs in year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 500.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 2.50% only
  • Credit Shield Cover – INR 2.5 Lakhs credit shield cover on accidental death of Primary Cardmember
  • Master Card Golf Programme – Waiver of Green fee at select golf courses and 1 complimentary lesson/month
  • Priority Pass – Complimentary Priority Pass membership with 3 complimentary International lounge access for Primary Cardmembers in a calendar year
  • Access to Domestic Lounge – 2 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for the Primary Cardmember
  • Life Insurance Due to Air Accident – INR 50 Lakhs Air accidental cover in case of death due to a flight accident
  • Hospitalisation Abroad – INR 15 Lakhs cover on medical emergencies, while travelling overseas

YES First Business Card

  • Welcome Gift – Earn 20,000 Reward Points on your first transaction done within 30 days of the Card set-up date
  • Renewal Reward Points – Earn Renewal benefit of 15,000 Reward Points on each renewal
  • Accelerated Points – 8 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’
  • Points on Other Categories – 4 Reward Points for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 1000 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at dedicated website for flights,hotels and office supplies
  • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – Earn 20,000 Reward Points on achieving annual spends of INR 12 Lakhs or more in each anniversary year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 1000.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 1.75% only
  • Credit Shield Cover – INR 5 Lakhs credit shield cover on accidental death of Primary Cardmember
  • Master Card Golf Programme – Waiver of Green fee at select golf courses and 1 complimentary lesson/month
  • Priority Pass – Complimentary Priority Pass membership with 6 complimentary International lounge access for Primary Cardmembers in a calendar year
  • Access to Domestic Lounge – 3 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for Primary Cardmember
  • Life Insurance Due to Air Accident – INR 1 Crore air accidental cover in case of death due to a flight accident
  • Hospitalisation Abroad – INR 25 Lakhs cover on medical emergencies, while travelling overseas
  • Concierge and Roadside Service – Dedicated Concierge and Road Side Assistance

YES Prosperity Rewards Plus Card

  • Accelerated Points – 4 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’
  • Points on Other Categories – 2 Reward Points for every INR 200 on Select categoriesb
  • Bonus on Registering at YES PAYNOW – 500 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – Earn 12,000 Bonus Reward Points on achieving spends of INR 3.6 Lakhs or more in each anniversary year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 125.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 3.40% only
  • Credit Shield Cover – Credit Shield cover in case of accidental death of Primary Cardmember

YES Prosperity Edge Card

  • Accelerated Points – 4 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’
  • Points on Other Categories – 2 Reward Points for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 500 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – Earn 15,000 Bonus Reward Points on achieving spends of INR 6 Lakhs or more in each anniversary year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 250.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 3.00% only
  • Credit Shield Cover – Credit Shield cover in case of accidental death of Primary Cardmember
  • Master Card Golf Programme – 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
  • Priority Pass – Complimentary Priority Pass Membership for Primary Cardmember only
  • Access to Domestic Lounge – Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30+ Lounges in India
  • Life Insurance Due to Air Accident – Life Insurance Cover of INR 50 Lakhs for death due to air accident
  • Hospitalisation Abroad – Medical Insurance cover of INR 15 Lakhs for emergency hospitalization when travelling overseas

YES Premia Card

  • Accelerated Points – 6 Reward Points for every INR 200 on all categories other than ‘Select categories’
  • Points on Other Categories – 3 Reward Point for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 750 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 250.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 2.50% only
  • Credit Shield Cover – Credit Shield cover of INR 2.5 Lacs in case of accidental death of Primary Card membe
  • Master Card Golf Programme – Waiver of Green fee 4 times at select golf courses and 1 complimentary lesson/month
  • Priority Pass – Enjoy Priority Pass Membership and 2 complimentary visits outside India in a calendar year for Primary Card member only
  • Access to Domestic Lounge – Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 25+ Lounges in India under the Mastercard Lounge Program.
  • Book My Show Offer – 25% on movie tickets upto INR 250/month at BookMyShow.com

YES First Preferred Card

  • Welcome Gift – Get 10,000 Reward Points on your first transaction done within first 90 days of card set up date
  • Renewal Reward Points – Enjoy Renewal Benefit of 7,500 Reward Points on each renewal
  • Accelerated Points – 8 Reward Points for every INR 200 on all categoriese other than ‘Select categories’
  • Points on Other Categories – 4 Reward Point for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 1000 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – Earn 20,000 Bonus Reward Points on achieving spends of INR 7.5 Lakhs or more in each anniversary year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 250.
  • Rate of Interest – Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 1.75% only
  • Credit Shield Cover – Credit Shield cover in case of accidental death of Primary Cardmember
  • Master Card Golf Programme – Enjoy 4 complimentary rounds of green fees per calendar year along with one complimentary Golf Lesson every calendar month at select golf courses in India
  • Priority Pass – Complimentary Priority Pass Membership and 4 Complimentary Visits outside India in a calendar year for Primary Cardmember only
  • Access to Domestic Lounge – Enjoy Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers across 25+ Lounges in India
  • Life Insurance Due to Air Accident – Life Insurance Cover of INR 1 Cr for death due to Flight Accident
  • Hospitalisation Abroad – Medical Insurance cover of INR 25 Lakhs for emergency hospitalization when travelling overseas
  • Book My Show Offer – 25% on movie tickets upto INR 250/month
  • Concierge and Roadside Service – Dedicated Concierge and Road Side Assistance

YES First Exlcusive Card

  • Welcome Gift – Get 40,000 Reward Points on your first transaction done within first 90 days of card set up date
  • Renewal Reward Points – Enjoy Renewal Benefit of 30,000 Reward Points on each renewal
  • Accelerated Points – 12 Reward Points for every INR 200 on all categoriese other than ‘Select categories
  • Points on Other Categories – 6 Reward Point for every INR 200 on Select categories
  • Bonus on Registering at YES PAYNOW – 1000 Reward Points on each YES PayNow registration
  • Validity of Points – Never expire
  • Value of Points – INR 0.25/ Reward Points
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Annual Milestone Bonus – Earn 25,000 Bonus Reward Points on achieving spends of INR 20 Lakhs or more in each anniversary year
  • Fuel Surcharge Waiver – Across all petrol pumps for transaction between INR 400 to INR 5000. Total waiver in a statement cycle is capped at INR 250.
  • Rate of Interest – Interest Rate of 1.99% per month (23.88% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Forex Markup – Preferential Foreign Currency Markup of 1.75% only
  • Credit Shield Cover – Credit Shield cover in case of accidental death of Primary Cardmember
  • Master Card Golf Programme – Enjoy 4 complimentary rounds of green fees per calendar year along with one complimentary Golf Lesson every calendar month at select golf courses in India
  • Priority Pass – Complimentary Priority Pass Membership and Unlimited Complimentary Visits outside India for Primary and all Add-on Cardmembers
  • Access to Domestic Lounge – Enjoy Unlimited Domestic Lounge access for Primary and all Add-on cardmembers across 25+ Lounges in India
  • Life Insurance Due to Air Accident – Life Insurance Cover of INR 3 Cr for death due to Flight Accidents
  • Hospitalisation Abroad – Medical Insurance cover of INR 50 Lakhs for emergency hospitalization when travelling overseas
  • Book My Show Offer – 25% on movie tickets upto INR 250/month
  • Concierge and Roadside Service – Dedicated Concierge and Road Side Assistance.

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 23 years and 60 years, respectively
  • The annual earning of an applicant must not be less than INR 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 entries, 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.

Frequently Asked Questions

1. Who can apply for a Yes Bank credit card online?

To apply for a Yes Bank credit card online, you must be between the age of 21 years to 65 years, and must have an income of at least INR 3,00,000 per year as either a self-employed individual or an employee in a reputable organisation.

2. How can I pay my Yes Bank credit card bill?

You can pay your Yes Bank credit card bill by logging into the Yes Bank’s official internet banking portal or by simply downloading their mobile application. You can even pay your card bill at any nearest Yes Bank branch.

3. Can my YES Bank credit card be used to make a cash withdrawal?

Yes, you can use your YES Bank credit card at an ATM to make cash withdrawals.

4. Why is my Yes Bank credit card application rejected?

Your Yes Bank credit card application can be rejected if you have a low CIBIL score or you failed to comply with the eligibility requirements or for a number of other reasons. However, it is advisable that you should wait for the rejection letter, which will include all information as well as the reason for rejection. You can contact the Yes Bank credit card customer service for any further information.

5. Is it possible to get a Yes Bank card against your fixed deposit?

Yes, Yes Bank offers its Yes Prosperity Rewards Plus Card against a fixed deposit. However, make sure that you have a minimum deposit of INR 50,000 with the bank to be eligible for this card.

6. What is the procedure for obtaining the PIN for my YES Bank credit card?

You can set your Yes Bank credit card’s PIN by simply logging in to your net banking account and selecting the ‘Credit Card’ link at the top of your screen. You’ll then be taken to a website with a list of all your registered credit cards. Select your card and follow the on screen instructions to complete the process and set your PIN for your credit card.

7. Is it possible to reset my credit card PIN through online banking?

Yes, you can easily change your credit card PIN via the Net Banking facility.

8. How can I track the application status of my YES Bank credit card?

Log in to the official Yes bank’s official website and type in your 13-digit unique application reference number on the credit card application status option to get the status of your credit card application. You can also call 1800 103 1212 to get information about your Yes bank credit card.

9. How can I check YES Bank credit card's limit?

You can check your credit limit online via Yes bank’s net banking portal or over the phone by calling 1800 103 1212. You can also call YES Bank credit card customer care service to find out how much is your credit limit on your credit card. The credit limit is also mentioned on your credit card’s monthly bill.

10. How can I deactivate my YES Bank Mobile Banking facility?

To deactivate your Yes bank mobile banking facility, you can contact the bank’s customer care number at 1800 1200 and you can deregister from your mobile banking facility.

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