About YES BANK Credit Card
YES BANK is one of India's largest private sector banks. It was founded by Mr. Rana Kapoor. In the last two decades, YES BANK is the only bank that has been awarded the Greenfield Bank licence by the Reserve Bank of India (RBI). YES BANK has a wide network of over 1,000 branches and 1,800 ATMs across the country. The vision of YES BANK is to build a vast branch network across the country and steadily improve the products and services rendered to evolve as the "Finest Quality Large Bank" in India in the near future.
They offer various corporate and retail lending products and Credit Cards of YES BANK is a widely accepted product owing to the host of benefits and features associated with the product. YES BANK Credit Cards are a premium range of cards offering a host of exclusive benefits and privileges.
YES BANK in partnership with American Express offers a wide range of premium Credit Cards.
The following are the range of YES BANK Credit Cards:
- YES FIRST Preferred Credit Card
- YES Premia Credit Card
- YES PROSPERITY EDGE Credit Card
- YES Prosperity Rewards Plus Credit Card
- YES Prosperity Rewards Credit Card
- YES FIRST BUSINESS Credit Card
- YES Prosperity BUSINESS Credit Card
- YES FIRST Exclusive Credit Card
- YES Prosperity Cashback Plus Credit Card
- YES Prosperity Cashback Credit Card
Features and Benefits of YES BANK Credit Cards
The following are the features and benefits of YES BANK Credit Cards:
- Special offers for lifestyle spend like shopping, dining, movie tickets, and travel
- Bonus reward points and vouchers as welcome gifts
- Complimentary access to domestic airport lounges at major airports across the country
- Waiver of surcharge on fuel spends
- Exclusive Concierge service will be available
- Free access to premier golf courses across the country
- Reward points for spends on all purchases
- Facility to convert transactions on the Credit Card to EMI and pay in easy instalments
- Facility for a contactless transaction is available
- Online transactions can be secured with Mastercard Secure Code
- Instant cash-advance facility up to the available credit limit at nominal interest is available. This cash advance is a Personal Loan with no restriction on end-use and can be paid in easy instalments.
- Facility to initiate standing instructions on YesPayNow to pay your utility bills on the due dates
Detailed Features of YES BANK Credit Cards
The features of various Credit Cards of YES BANK are as mentioned in the table below:
Name of the Card | Features of the Card |
YES FIRST Preferred Credit Card
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YES PROSPERITY EDGE Credit Card
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YES Prosperity Rewards Plus Credit Card
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YES Prosperity Rewards Credit Card
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YES FIRST BUSINESS Credit Card
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YES Prosperity BUSINESS Credit Card
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YES FIRST Exclusive Credit Card
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YES Prosperity Cashback Plus Credit Card
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YES Prosperity Cashback Credit Card
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YES Premia Credit Card
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YES BANK Credit Card Reward Points and Cashback Details
The table below gives details of YES BANK Credit Card Reward Points and Cashback:
Name of the Card | Reward Points and Cashback Benefits |
YES FIRST Preferred Credit Card |
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YES PROSPERITY EDGE Credit Card
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YES Prosperity Rewards Plus Credit Card
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YES Prosperity Rewards Credit Card
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YES FIRST BUSINESS Credit Card
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YES Prosperity BUSINESS Credit Card
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YES FIRST Exclusive Credit Card
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YES Prosperity Cashback Plus Credit Card
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YES Prosperity Cashback Credit Card
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YES Premia Credit Card
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YES BANK Credit Card Fees Details
The annual fee and renewal fee for YES BANK Credit Cards are as given below:
Name of the Card | Joining Fee | Renewal Fee |
YES FIRST Preferred Credit Card |
2,500 + Applicable Taxes |
2,500 + Applicable Taxes |
YES PROSPERITY EDGE Credit Card
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|
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Yes Prosperity Rewards Plus Credit Card
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|
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Yes Prosperity Rewards Credit Card
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|
|
|
|
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YES FIRST BUSINESS Credit Card |
5,000 + Applicable Taxes |
5,000 + Applicable Taxes |
YES Prosperity BUSINESS Credit Card |
2,500 + Applicable Taxes |
2,500 + Applicable Taxes |
YES FIRST Exclusive Credit Card |
10,000 + Applicable Taxes |
10,000 + Applicable Taxes |
YES Prosperity Cashback Credit Card |
1,000 + Applicable Taxes |
1,000 + Applicable Taxes |
YES Prosperity Cashback Plus Credit Card |
1,500 + Applicable Taxes |
1,500 + Applicable Taxes |
YES BANK Credit Card Charges
The charges for YES BANK Credit Card are as mentioned below:
Type of Charge | Amount |
Finance charge |
1.99% to 3.5% p.m. |
Charges for late payment |
|
Charges for card utilisation over the credit limit |
2.5% of the over limit or 500 whichever is higher. |
Foreign currency mark -up fee |
1.75% to 3.5% depending on the card |
Cash advance |
2.5% of the transaction amount with a minimum of 300. |
How to Apply for YES BANK Credit Card?
You can apply for the YES BANK Credit Card in the following ways:
Steps for new customers to apply for the Yes Bank Credit Card:
- Visit the official website of YES BANK
- Go to the Credit Cards page and provide your contact details and personal details
- Details of the list of cards will appear. Choose the card as per your requirement. If the financial details satisfy the requirement of the bank for that particular card
- You can proceed to apply for the card
- On verification, a representative from the bank will approach you and guide you through the process.
- You will have to submit the documents relating to address proof, Photo ID proof and Income Proof for checking the eligibility criteria and issuing the card.
Steps for existing customers to apply for the Yes Bank Credit Card:
- Go to the Credit Card page on the official website of YES BANK
- Provide your net banking customer ID and mobile number
- You can directly apply for the Credit Card online
Steps to apply for the Yes Bank Credit Card through MyMoneyMantra:
- To begin with, visit the MyMoneyMantra website
- Log in and choose the Credit Cards menu. Select the card you intend to apply for and submit.
- Fill in all the relevant information required for applying for the Credit Card
- Once the filling of the application is complete and the process initiated, you will get assistance from MyMoneyMantra representative to go through the process from documentation till the approval of the card.
- On approval, the card will be dispatched to your address. Card and the pin will be despatched separately.
To apply for the card offline you have to visit the nearest YES BANK branch and apply for the Credit Card by submitting the relevant documents.
Eligibility Criteria for YES BANK Credit Card
The following are the eligibility criteria for YES BANK Credit Card:
- The applicant should be in the age group of 21 to 60 for all other cards except the Business Cards.
- For the Business Cards, the applicant should be in the age group between 21 years to 70 years.
- Both salaried and self-employed individuals are eligible for all other cards except the business cards.
- For business cards only self-employed individuals, proprietors, and partners of partnership firms are eligible.
- Credit Score of the applicant should be preferably above 750
- The minimum income criteria are different for different cards: Below is the minimum income required to apply for each YES BANK Credit Card:
- YES FIRST Preferred Credit Card: 2 Lakhs per month or ITR of 24 Lakhs. This card can also be availed against Fixed Deposit of minimum 3 Lakhs in select branches of YES BANK.
- YES PROSPERITY EDGE Credit Card: 60,000 per month or ITR of 7.20 Lakhs
- YES Prosperity Rewards Plus Card: 25,000 per month or ITR of 5 Lakhs. This card is also issued against Fixed Deposit at select branches of YES BANK.
- YES Prosperity Rewards Credit Card: 25,000 per month or ITR of 5 Lakhs
- YES FIRST BUSINESS Credit Card: ITR of 10 Lakhs
- YES Prosperity BUSINESS Credit Card: ITR of 5 Lakhs
- YES FIRST Exclusive Credit Card: 4 Lakhs per month or ITR of 50 Lakhs
- YES Premia Credit Card: 1.20 Lakhs per month or ITR of 15 Lakhs
- YES Prosperity Cashback Plus Credit Card: 25,000 per month or ITR of 5 Lakhs
- YES Prosperity Cashback Credit Card: 25,000 per month or ITR of 5 Lakhs
Documents Required for YES BANK Credit Card
The following documents are required to apply for YES BANK Credit Card:
- Address Proof such as Aadhaar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
- Proof of Identity such as Aadhaar Card, Voter's ID Card, Pass Port, Driving Licence, PAN Card, etc.
- Income Proof such as IT Returns, Form 16, and the latest Salary Slips
Making Your YES BANK Credit Card Payment
The Account Holders of YES BANK can make Credit Card Payments in the following ways:
- Register for YES BANK Internet banking facilities
- You can give auto-debit instructions from your Savings Bank Account at YES BANK or can transfer the amount to Credit Card from your Savings Bank/Current Account at any YES BANK ATM.
All other customers can make the payment in the following ways:
- NEFT/RTGS: Under the beneficiary account option, you will have to provide the YES BANK Card Number.
- Cheque: Mention the YES BANK Credit Card Number and drop the cheque at any of the YES BANK drop boxes across the cities.
- Bill Desk: Payment can be made through any bank net banking account
- You can also make payment by way of cash deposit at any YES BANK branches
- You can use the YES BANK Mobile App and make payment through YES BANK Savings account or any other bank account.
YES BANK Credit Card - Customer Care Numbers
The customer care numbers for YES BANK Credit Card are:
- 1800-103-1212
- +91 2249350000 to call from outside India
- You can also send SMS 'HELP' to 223390909
Frequently Asked Questions - Yes Bank Credit Card
What is YES BANK Mastercard Service Code?
This is a service offered by YES BANK in partnership with Mastercard. This is nothing but a password that you should enter while making online transactions with your card.
What is the process for registration for YES BANK Mastercard Service Code?
The following procedure has to be followed for registering for Mastercard Service Code:
- Choose YES BANK in the Payments Section in the 'Pay by Credit Card' option at the time of processing the payment while making online transactions.
- After the shopping exercise is completed, the relevant option for registration will be displayed
- A hint question should be selected from the dropdown list and answer the same.
- This will be useful to confirm your identity while resetting password.
- A password has to be created for authentication of online payment along with a personal message. This personal message will be used to authenticate all online transactions to confirm identity as the cardholder.
- After confirmation of registration information, terms and conditions will be displayed that have to be accepted. On acceptance of the terms and conditions, the registration process will be complete.
What are the ways to check YES BANK credit limit?
- You can check the YES BANK Credit Card limit by using the Internet banking facility
- You can also check the card limit through mobile banking facility
- You can also call the customer care helpline on 1800-1030-1212 to check the Credit Card limit
Is cash withdrawal allowed in YES BANK Credit Card?
Yes, cash can be withdrawn up to the cash limit at any ATM. The cash advance will have a charge of 2.5% of the cash advance with a minimum of 300.
What is the application status tracking method for YES BANK Credit Cards?
You can check the status of the YES BANK Credit Card by visiting their official website and entering the 13 -digit reference number that would be sent to your registered mobile number. Alternatively, you can call the customer care on 1800-103-1212 to get the status.
Can the YES BANK Credit Card Pin be changed?
Yes, the YES BANK Credit Card Pin can be changed. For this you have to visit the Credit Card page through internet banking facility and using the option to change or generate Pin, you can change the Pin.