Yes Bank Credit Cards
Yes Bank in partnership with American Express offers a wide range of premium Credit Cards for salaried as well as business persons. Yes Bank Credit Cards come with a gamut of rewards and benefits across entertainment, travel, dining, golf and more.
Top Yes Bank Credit Cards
YES SELECT Credit Card
- Movie
- Rewards
Accelerated Reward Points
Accelerated Reward Points
Highlights
Rs. 50 Lakhs Air Accident Death Benefit
One complimentary visit to a domestic lounge every quarter within India
Enjoy a complimentary monthly golf lesson at select Indian courses.
Rewards Value
10 Reward Points = 1 InterMile / 1 Club Vistara Point
Earn 8 reward points for every INR 200 you spend on travel and dining
Earn 4 reward points for every INR 200 you spend all categories
Welcome Offer
Spend ₹1,000 within 30 days and get a FREE ₹500 Amazon voucher!
Yes RESERV Credit Card
Reward Points on Every Transaction
Reward Points on Every Transaction
Highlights
Earn 24 reward points per Rs. 200 on travel & dining (up to Rs. 5,000).
4 free green fees & 1 golf lesson per year.
15% off dining at select restaurants.
Rewards Value
Earn 12 reward points per Rs. 200 on all categories.
Earn 12 reward points per Rs. 200 on select categories.
Earn 8,000 extra reward points when you renew your membership.
Welcome Offer
Welcome benefit A FREE Amazon voucher worth Rs. 500
Yes Bank RuPay Credit Card
Lifetime Free Card
Lifetime Free Card
Highlights
Zero joining and annual fees
8 reward points on spending every Rs. 200 on UPI transactions of above Rs. 2,000.
2 reward points on spending every Rs. 200 on all online spends.
Rewards Value
1 RP = Upto Rs. 0.25
8 reward points on spending every Rs. 200 on UPI transactions of above Rs. 2,000.
2 reward points on spending every Rs. 200 on all online spends.
Welcome Offer
Nil
Yes Elite+ Credit Card
- Rewards
- Travel
- Lounge Access
Discounts on movie tickets up to 25%
Discounts on movie tickets up to 25%
Highlights
Foreign currency markups are only 2.50% with this card.
A free domestic airport lounge access per quarter is available only to Prime members.
Throughout the year, cardholders have access to two international airport lounge visits.
Rewards Value
10 Reward Points = 1 InterMile or 1 Club Vistara Point.
6 reward points on every spend of Rs. 200 on other than Select categories.
3 reward points on every spend of Rs. 200 on Select categories.
Get 5x Reward Points on the first 3 transactions from the first 5 billers you register on Yes PayNow
Welcome Offer
Nil
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Top 10 Yes Bank Credit Cards
| 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 Bank Select Credit Card | Rs. 1,199 + GST | Rewards & Entertainment |
| YES ACE 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 |
Features 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
Benefits of Yes Bank Credit Cards
Here are the benefits you can enjoy with the 5 types of credit cards as provided by YES BANK:
- Welcome Cashback between Rs. 250 and Rs. 1,250 on spends made in first month.
- Attractive cashback on bill payments, movie tickets, dining, shopping, & travel.
- Get Yes Bank Reward Points on every use and choose from the bank’s extensive catalogue to redeem your reward points against the purchase.
- Convert large purchases into instant EMI and spread the cost over a longer period.
- Yes Bank credit cards are secure with EMV chips and tap-and-pay NFC chips for quick and secure payments and transactions.
- Get fuel surcharge waivers for transactions between Rs. 400 to Rs. 5,000.
- With select Yes Bank credit cards, get access to MasterCard lounges.
- Secure access to e-payments with a MasterCard PIN.
- Yes Bank also provides American Express credit card offers for high-value customers, giving them access to the best retail services worldwide.
- The card is available in many variants.
Yes Bank Credit Card Eligibility
Following are the Yes Bank Credit Card eligibility criteria:
- Occupation: Salaried, self-employed, proprietors, and partners of partnership firms.
- Age:
- 21 to 70 for Business Credit Cards
- 21 to 60 for all other cards
- Credit Score: Above 750
- Minimum income 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.
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, Passport, Driving Licence, PAN Card, etc.
- Income Proof: Such as IT Returns, Form 16, and the latest Salary Slips.
Yes Bank Credit Card Fee & 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 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 Credit Card Reward Points
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 |
|
Yes Bank Credit Card Bill Payment Options
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
FAQs
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:
- 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.
- 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
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.