|Card Name||Annual Fee||Best For|
|YES FIRST Preferred Credit Card||Rs. 2,499 + GST||Travel & Rewards|
|YES PREMIA Credit Card||Rs. 1,599 + GST||Travel & Rewards|
|YES Prosperity Edge Credit Card||Rs. 1,199 + GST||Rewards & Entertainment|
|YES Prosperity Rewards Plus Credit Card||Rs. 499 + GST||Rewards & Shopping|
|YES Prosperity Rewards Credit Card||Rs. 299 + GST||Rewards & Shopping|
|YES FIRST BUSINESS Credit Card||Rs. 4,999 + GST||Travel, Rewards & Lifestyle|
|YES Prosperity BUSINESS Credit Card||Rs. 2,499 + GST||Travel & Rewards|
|YES FIRST Exclusive Credit Card||Rs. 9,999 + GST||Travel & Rewards|
|YES Prosperity Cashback Plus Credit Card||Rs. 1,499 + GST||Cashback & Entertainment|
|YES Prosperity Cashback Credit Card||Rs. 999 + GST||Cashback & Shopping|
Following are the Yes Bank Credit Card eligibility criteria:
→YES FIRST Preferred Credit Card: Rs. 2 Lakhs per month or ITR of Rs. 24 Lakhs. This card can also be availed against Fixed Deposit of minimum Rs. 3 Lakhs in select branches of Yes Bank.
→YES PROSPERITY EDGE Credit Card: Rs. 60,000 per month or ITR of Rs. 7.20 Lakhs.
→YES Prosperity Rewards Plus Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs. This card is also issued against Fixed Deposit at select branches of Yes Bank.
→YES Prosperity Rewards Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
→YES FIRST BUSINESS Credit Card: ITR of Rs. 10 Lakhs.
→YES Prosperity BUSINESS Credit Card: ITR of Rs. 5 Lakhs.
→YES FIRST Exclusive Credit Card: Rs. 4 Lakhs per month or ITR of Rs. 50 Lakhs.
→YES Premia Credit Card: Rs. 1.20 Lakhs per month or ITR of Rs. 15 Lakhs.
→YES Prosperity Cashback Plus Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
→YES Prosperity Cashback Credit Card: Rs.25,000 per month or ITR of Rs. 5 Lakhs.
The following documents are required to apply for Yes Bank Credit Card:
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 Rs. 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 Rs. 300.|
Yes Bank offers you an easy way to transfer your outstanding amount with Credit Card of other bank (minimum value of Rs. 2,500) at a lower interest rate of 12% to 15% p.a for tenure of your choice.
This Balance Transfer on EMI Facility is available only to select card members.
You can call the 24x7 YES TOUCH Customer Care Centre to check your eligibility. The EMI for the transferred amount will be charged to card member's monthly statement.
To avail this Balance Transfer facility:
The Account Holders of Yes Bank can make Credit Card Payments in the following ways:
All other customers can make the payment in the following ways:
You can use the Yes Bank Mobile App and make payment through Yes Bank Savings account or any other bank account
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
Here are the benefits you can enjoy with the 5 types of credit cards as provided by YES BANK:
Select Yes Bank cards have feature of Reward Points that can be accrued against your retail spends as per the feature of the specific card. Reward Points can be viewed in your monthly Credit Card statements or through NetBanking.
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|
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
YES Premia Credit Card
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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.
The following procedure has to be followed for registering for Mastercard Service Code:
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 Rs. 300.
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.
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.