Question 1

1. How can I reach YES Bank Credit Card Customer Care?

Accepted Answer

YES Bank Credit Card customer may contact the bank on 24/7 YES TOUCH Customer Care   1800 103 6000 (Toll Free for India)   +91 22 4935 0000 (From international locations)   Email @ YESfirstcc@YESbank.in

Question 2

2. How can I track my application status for YES Bank Credit Cards?

Accepted Answer

YES Bank Credit Card application can be tracked through the official website of the bank. Applicant must enter the 13-digit reference number that is allocated to the customer upon application submission. The number is shared on the registered mobile number of the customer. Alternatively, the customer can call the customer care on 1800-103-1212 to get a status update.

Question 3

3. What are the ways to make YES Bank Credit Card payment?

Accepted Answer

YES Bank allows payment of credit card bill through any of the following channels:   YES Bank account holders can pay bill online through NetBanking. Bank account holder can register themselves for the YES BANK NetBanking.  YES Bank account holders can provide Standing Instructions to the bank wherein the bank account will be automatically debit on the credit card payment due date. Standing Instructions can be given for deducting total outstanding or Minimum Amount Due.  For customers who do not have a saving or current account with YES Bank can make credit card payment through NEFT/IMPS/RTGS mode of payment. The customer can pay online from bank account of any bank. YES BANK Credit Card has to be added as a beneficiary using IFSC code: YESB0CMSNOC  For customers who do not have a saving or current account with YES Bank can pay using Billdesk available through the following linkhttps://netbanking.YESbank.co.in/netbanking/DISCLAIMER.html  Customers can pay using cheque. The 16 digit Credit Card Number should be mentioned on the cheque. Drop the cheque at any of the bank?s drop boxes in your city. Customer must mention name and mobile number on the back of the cheque.  Customers can pay through cash. The cash can be deposited in the credit card account at the nearest YES Bank branch. Cash handling charges are applicable on cash payments.

Question 4

4. What is the eligibility criterion for YES Bank credit cards?

Accepted Answer

To apply for a YES Bank credit card one has to meet the following conditions:       Eligibility Head    Eligibility Condition     Age   The minimum age requirement of a credit card holder is 21 years. The maximum age for the YES Bank credit card is 60 years.  However, for availing a card under the Business Credit Card section, the maximum age of the customer can go up to 70 years.     Profile   YES Bank approves credit cards for both salaried and self-employed individuals.  While Business Credit cards are issued to self-employed, proprietors and partners of partnership firm.     Income  YES Bank approves credit cards based on minimum income of the applicant.    Credit Score  Minimum credit score of 750 points       Also Check:      Experian Credit Score

Question 5

5. What is the minimum income requirement for YES Bank Business credit cards?

Accepted Answer

Name of Card    Minimum Income Requirement      Business Credit Cards     YES FIRST Business Credit Card  Self-employed must file an annual Income Tax Return of 10.00 lakh and above    YES Prosperity Business Credit Card  Self-employed must file an annual Income Tax Return of 5.00 lakh and above

Question 6

6. Does YES Bank issue lifetime free credit cards?

Accepted Answer

YES, YES Bank issues lifetime free credit cards. One can choose between the following:    YES FIRST Preferred Credit Card  YES PREIMA Credit Card  YES Prosperity Edge Credit Card  YES Prosperity Reward Plus Credit Card  YES Prosperity Rewards Credit Card

Question 7

7. List the joining and renewal fee charges for YES Bank credit cards?

Accepted Answer

The joining and renewal fee charged for different credit cards issued by YES Bank are as under:       Name of Card    Joining Fee    Renewal Fee      YES FIRST Preferred Credit Card    2,500 + GST   2,500 + GST     YES PROSPERITY EDGE Credit Card    1,000 + GST  The joining fee is waived upon spending of  15,000 within 90 days from the date of activation of the credit card.    1,000 + GST  The renewal fee is waived upon spending of 75,000 done in previous year.      YES Prosperity Rewards Plus Credit Card    350 + GST  The joining fee is waived upon spending of  7,500 within 90 days from the date of activation of the credit card.    350 + GST  The renewal fee is waived upon spending of 25,000 done in previous year.      YES Prosperity Rewards Credit Card    250 + GST  The joining fee is waived upon spending of  5,000 within 90 days from the date of activation of the credit card.      250 + GST  The renewal fee is waived upon spending of 15,000 done in previous year.      YES Premia Credit Card       1,500 + GST  The joining fee is waived upon spending of  20,000 within 90 days from the date of activation of the credit card.    1,500 + GST  The renewal fee is waived upon spending of 1,50,000 done in previous year.      YES FIRST BUSINESS Credit Card   5,000 + GST    5,000 + GST     YES Prosperity BUSINESS Credit Card   2,500 + GST  2,500 + GST     YES FIRST Exclusive Credit Card   10,000 + GST  10,000 + GST     YES Prosperity Cashback Credit Card   1,000 + GST  1,000 + GST     YES Prosperity Cashback Plus Credit Card   1,500 + GST  1,500 + GST

Question 8

8. What is the minimum income requirement for YES Bank lifetime free credit cards?

Accepted Answer

The minimum income requirement for YES Bank lifetime free credit cards is as under:       Card Name    Minimum Income Requirement      Life Time Free Credit Cards     YES FIRST Preferred Credit Card   Salaried individual must get a minimum net monthly salary of 200,000.  Self-employed individual must file an Income Tax Return of 24 lakh and above.  The credit card can also be availed against a Fixed Deposit of 3 lakh and above held with the bank     YES PREIMA Credit Card   Salaried individual must get a minimum net monthly salary of 120,000.  Self-employed individual must file an Income Tax Return of 14.40 lakh and above.     YES Prosperity Edge Credit Card   Salaried individual must get a minimum net monthly salary of 60,000.  Self-employed individual must file an Income Tax Return of 7.20 lakh and above.     YES Prosperity Reward Plus Credit Card   Salaried individual must get a minimum net monthly salary of 20,000.  Self-employed individual must file an Income Tax Return of 5 lakh and above.  The credit card can also be availed against a Fixed Deposit with the bank. The offer is available at select cities only.     YES Prosperity Rewards Credit Card   Salaried individual must get a minimum net monthly salary of 20,000.  Self-employed individual must file an Income Tax Return of 5 lakh and above.

Question 9

9. Who can apply for Yes Bank Credit Cards?

Accepted Answer

If you comply with the following Yes Bank Credit Card Eligibility Criteria you can apply for the Credit Card   Age:  Should be between 21 years to 60 years if salaried and 21 years to 70 years if self-employed.   Income:  The income criteria are pre-defined and vary according to the category of the Credit Card. It ranges between Rs. 25000 to Rs. 10.00 lakhs per month for the salaried individuals and between Rs. 5.00 lakhs to Rs.36.00 lakhs annual income for the self-employed. Yes Bank also provides credit cards against Fixed Deposits.   Profile:  Both salaried and self-employed are eligible for the credit card. Yes Bank also provides credit cards to students who pursue further studies abroad to manage flight tickets and other living expenses.   Credit Score:  A minimum of 750 score is required to qualify for the credit card.

Question 10

10. How to track the status of credit card applications?

Accepted Answer

You can track the application status by accessing the website of the bank and following the procedure given below:   Enter the registered mobile number or the 13 digit application reference number.  Enter the Captcha   Click on submit   The status of the application will be displayed.

Question 11

11, What are the different categories of Yes Bank Credit Card?

Accepted Answer

There are 3 categories of Yes Bank Credit Card   Yes Bank Business Credit Cards    Yes First Business  Credit Card  Yes Prosperity Business Credit Card     Life-Time Free Credit Cards    Yes Premia Credit Card  Yes First Prefered Credit Card  Yes Prosperity Edge Credit Card  Yes Prosperity Rewards Credit Card  Yes Prosperity Rewards Plus Credit Card    Other Credit Cards    Yes First Exclusive Credit Card  Yes Prosperity Cash Back Credit Card  Yes Prosperity Cash Back Plus Credit Card    Also Check:      Credit Monitoring

Yes Premia Credit Card	Salaried individual should have a minimum monthly income of Rs. 1.20 lakhs. The self-employed individual should have filed IT returns of Rs. 14.40 lakhs
Yes First Preferred Credit Card	Salaried individual should have a minimum monthly salary of Rs.2.00 lakhs The self-employed individual should have filed IT returns for Rs. 24.00 lakhs. The Preferred Card is also available against a Fixed Deposit of Rs. 3.00 lakhs
Yes Prosperity Edge Credit Card	Salaried individuals should have a minimum monthly salary of Rs. 60000/- The self-employed individuals should have filed an IT Return of Rs.7.20 lakhs
Yes Prosperity Rewards Credit Card	Salaried individuals should have a minimum monthly salary of Rs. 25000/- The self-employed individuals should have filed an IT return of Rs.5.00 lakhs
Yes Prosperity Rewards Plus Credit Card	Salaried individuals should have a minimum monthly salary of Rs. 35000/- The self-employed individuals should have filed an IT Return of Rs. 5.00 lakhs

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YES Bank Credit Card Eligibility

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