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 the credit cards. These cards come with a wide range of reward points and cashback offers to appeal to the customers. Let’s get a complete detail of the benefits pertaining to the cards along with other information.

Credit Card

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    Professional Details

    Personal Details

    YES Bank Credit Card Offers December 2018 – Reward Points, Discounts, Cashback & Other Benefits

    Yes Bank Credit CardsFeesBenefits
    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
    • Welcome benefit of 1500 reward points by spending a total of ₹7500 within 30 days of the card set- up date

    • 15000 reward points on an annual spend of ₹6 lakhs

    • Earn 6 reward points on every retail spend of ₹100 made on the birthday

    • Every ₹100 spend on international transactions to fetch 5 reward points

    • A retail spend of every ₹100 on online transactions to help earn 4 reward points

    • Every other retail spends to accumulate 3 reward points

    • 500 reward points 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

    • Complimentary one golf session in a month

    • Get fuel surcharge waiver at petrol pumps for all transactions between ₹400-5,000

    • ₹50 Lakh air accident cover due to 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 travelling overseas
    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
    • Earn 1250 reward points by making a retail spend of ₹5,000 within the first 30 days from the card issuance date

    • On an annual spend of 3.6 lakhs in a year, one can earn 12,000 reward points

    • Earn 5 reward points on every retail spend of ₹100 made on the birthday

    • Every ₹100 spend on international transactions to result in 4 reward points

    • A retail spend of every ₹100 on online transactions to help earn 3 reward points

    • Every other retail spends to fetch 2 reward points

    • 500 reward points on each registration of Yes PayNow

    • 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
    • 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
    • 1000 reward points with a spend of ₹2,500 within 30 days from the set-up date of the card

    • Get 10000 reward points on spending ₹1.8 lakhs 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

    • A retail spend of every ₹100 on online transactions to help earn 2 reward points

    • Every other retail spends to fetch 1 reward point

    • 500 reward points on each registration of Yes PayNow

    • Reward points redeemable at dedicated product catalogue

    • Enjoy fuel surcharge waiver at petrol pumps for all transactions between ₹400-5,000
    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
    • 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
    • Annual Fee - ₹1,000+Applicable Taxes

    • Renewal Fee - ₹1,000+Applicable Taxes

    • Interest on revolving credit - 2.40%-3.22% per month
    • 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

    Eligibility Criteria

    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
    • Annual earning of an applicant must not be less than ₹5.5 lakhs

    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 need to 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 given by you 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, in addition to providing information on the status, can also take queries with regards to card offers, payment modes, statement, and others.

    YES Bank Credit Card Credit Limit

    It’s the credit limit that most of you would want to know of, won’t you? After all, a credit limit decides to the extent up to which you can shop. YES Bank will see your income, repayment potential and credit score before deciding on the limit it can extend you. If you have a healthy income, it will transpire in enhanced repayment capability.

    And when you get the support of a good credit score by virtue of servicing the ongoing or past debt smoothly, a greater limit becomes all the more formality. But be cautious while utilizing the credit limit as the excess of it can so easily lower the score and dent the prospects of credits you may need in the future. Use your limit judiciously to meet your needs while maintaining a strong credit history.

    YES Bank Credit Card Payment

    You can login to the internet banking, if registered, 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 or before the due date of payment. 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 the credit history and keep on raising the score. So, embrace the habit of timely payment for a better credit health.

    YES Bank Credit Card Customer Care Number

    If you experience any difficulty or have queries to sort out, feel free to call to the 24×7 toll-free number – 18001031212. The customer care executives are all waiting for your call to resolve the issue. Be it the reward points and cashback or the statement and charges, 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 must make it a point to check the statement regularly to keep an eye on what’s going on with your card shopping. Have you crossed the limit of purchase for which you may have to delay the payment? How much  rewards are credited to the account? Are there any unnecessary charged levied to the bill? All these questions must be coming to your mind, right? Well, the statement would help you know all that. Not only it shows the total dues and due date of payment but also the amount of reward points earned on spends at a given point of time. At the same time, the teaser of minimum due, accounting for about 5% of the total dues, may be tempting you to go for it. But you can do well to avoid falling into the trap for your own good. Instead pay the entire dues on time to stay away from the debt trap.

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