Yes Bank Credit Card Bill Payment

Yes Bank offers a wide range of Credit Cards with attractive lifestyle privileges. The bank also offers various modes of credit card bill payment, both online as well as offline. Different payment modes are designed for Yes Bank Credit Card Payment Online for the customers and the non-customers of the bank. The customers can choose the mode that is most convenient for them. The procedure to be followed for the Yes Bank Credit Card payment is given further in this article.

The Yes Bank Credit Card Bill Payment modes are different for customers of Yes Bank and for all the other customers.

Customers of Yes Bank can make the Yes Bank Credit Card Payment Online through the following modes.

Netbanking

• The first step will be registering for net banking.
• Once the registration is done, you can log in to Yes Bank Netbanking with the login credentials and make the credit card bill payment easily.
• All you have to do is to provide the credit card bill amount and click the submit button.
• The payment will be made within seconds by debiting your Savings/Current account with Yes Bank.

Auto debit

• You can give a written auto-debit instruction for the credit bill amount on the due date.
•  You should specify whether the minimum amount due has to be debited or the entire bill amount has to be debited. 
• Accordingly, your Yes bank account will be debited automatically on the due date for the specific amount.

ATM Funds Transfer

• You can do the transfer in Yes Bank ATM or any other ATM.
• Insert the ATM Card
• Key in the ATM PIN
• Choose the funds' transfer option to transfer the credit card bill amount from the savings bank account to the Yes Bank Credit Card.

Also Check: CIBIL Score for Credit Card

1. NEFT/RTGS/IMPS

Yes Bank Credit Card bill payment can be made through NEFT/RTGS/IMPS using the IFSC Code. You should add the Credit Card to the Beneficiary List of the respective bank. The procedure to add to the beneficiary list is given below, and it is common for all methods.

• Log in to the net banking of the respective bank
• Click on the funds transfer option.
• Choose the Add Beneficiary Option under Beneficiary Maintenance
• Provide the following details for beneficiary addition
  • Yes Bank IFSC Code: YESBOCMSNOC
  • Beneficiary name: Name as printed on the Credit Card
  • Beneficiary Account Number: The 16 digit credit card number

The time required for the activation of the beneficiary depends on the respective bank.

After the addition of the beneficiary, can make the credit card payment as follows:

• Login to net banking using the login credentials.
• Opt for Funds Transfer
• Choose the mode of transfer NEFT/RTGS/IMPS
• Select the Yes Bank Credit Card from the Beneficiary list.
• Enter the amount to be paid and confirm for payment.

2. Bill Desk

You can conveniently make the Yes Bank Credit Card Payment Online through the Yes Bank Bill Desk.

• Enter the 16 digits Yes Bank Credit Card Number
• Choose the bank account through which you would like to make the payment.
• You will be navigated to the net banking interface of the selected bank
• Confirm the amount
• Select the bank account from which the payment has to be made
• Your bank account will be debited on successful authentication.
• You will get online payment acknowledgement along with the reference number.

3. Yes Bank Mobile App

You will have to register for the Yes Bank Mobile App. The procedure for registration is given below:

• Download Yes Bank Mobile App on Google Play Store or iOS App Store
• Tap on login and do the authentication with any one of the following credentials
  • Customer ID, Debit Card Number and PIN
  • Retail Netbanking Login ID and Password
  • Credit Card Number, Expiry Date and DOB
  • Aadhar Number, DOB and Customer ID

• After the authentication, an SMS will be sent to your registered mobile number.
• On verification, you will be asked to set a six-digit MPIN for your future login to the Yes Mobile App and for authenticating the transactions.
• If your Device has a biometric feature, you can also set fingerprint or face ID authorisation for quick login after setting the MPIN.
• With this, the registration process is complete. 
• You can log in to the Yes Mobile App using the newly created MPIN or fingerprint/face ID.
• After login, you can make the Yes Bank Credit Card payment through the funds' transfer option.
• You will have to provide the Credit Card details and the amount to be paid.
• On confirmation, the amount will be debited to your Yes Bank Savings Bank Account.

4. Yes Pay App

Through this mobile application, you can manage various payment modes like UPI, Wallet, Credit Card, Virtual Card to make hassle-free and seamless payments. Through this App, you can make your credit card payment through a Bank account or UPI, view credit card statements, view transaction history etc.

5. UPI

To make the Yes Bank Credit Card Payment through UPI, you will have to generate a QR Code and scan it through any UPI enabled mobile application to make the payment.

Steps to be followed are:

• Enter the 16 digits Yes Bank Credit Card number and re-enter for confirming the same.
• Some details will pop up on the screen, and you will have to check the same.
• You should then enter the amount to be paid.
• Generate QR Code option will appear. Click to generate QR Code.
• Log in through any UPI enabled mobile application to scan the QR Code.
• The proceed to payment option will be seen on the mobile App to make the Yes Bank credit card payment.
• Once the payment is accepted, a notification for a successful transaction along with the transaction ID will be displayed on your mobile screen.

6. Yes Robot

Yes Robot is a round-the-clock Personal Banking Chat Assistant. 

Procedure for Yes Bank Credit Card payment through Yes Robot.

• Find YES Robot on your Facebook Messenger. 
• Say Hi to start chatting
• Enter your Yes Bank Customer ID and mobile number for registration.
• OTP will be sent to your registered mobile number.
• On authentication of OTP, you will get access to non-financial transactions.
• For financial transactions, you will have to use the MPIN for second level authentication
• Once your account is authenticated, you can start paying your Yes Bank Credit Card.

7. NACH

For enabling Yes Bank Credit Card Online Payment through NACH, you will have to register for e-NACH. NACH mandate is an authorisation given to the bank to debit a specific amount every month on a particular date towards any bill payment.

You will have to first register for e-mandate and give the details of the account to be debited, the amount to be debited, the date for such debit and the details of the Yes Bank Credit Card. The account will be debited automatically on the due date every month till you give the instructions to stop the debit.

Tip: Check Free Credit Score before applying for a credit card

They can make Yes Bank Credit Card Bill Payment Offline through the following modes.

• Cheque: The cheque should be in favour of the Yes Bank Credit Card Account. You should mention the 16-digit credit card number. You should not forget to mention the full name as printed on the credit card and the mobile number on the back of the cheque. You can then drop the cheque in any of the Yes Bank Drop Boxes.
• Cash payment: You can make Yes Bank Credit Card Payment by cash at any of the branches of Yes Bank.

They can make Yes Bank Credit Card Bill Payment Offline through the following modes.

• Cheque: The cheque should be in favour of the Yes Bank Credit Card Account. You should mention the 16-digit credit card number. You should not forget to mention the full name as printed on the credit card and the mobile number on the back of the cheque. You can then drop the cheque in any of the Yes Bank Drop Boxes.
• Cash payment: You can make Yes Bank Credit Card Payment by cash at any of the branches of Yes Bank.

The processing time is different for different modes of payment.

• Auto-debit: Instant
• Card payment from other bank websites: 3 working days excluding Saturdays and Sundays
• NACH: On the due date
• NEFT/RTGS/IMPS: Instant
• Cheque: On realisation

Additional Reading: Top Credit Rating Agencies in India