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Yes Bank Credit Card Statement

Yes Bank offers a host of credit card options to customers of various segments. Cardholders will receive a Yes Bank Credit Card Statement with transaction details and the amount due. Go through the article to understand how to open a Yes Bank Credit Card Statement Password and to understand the important aspects of the statement.

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Yes Bank Credit Card Statement

Yes Bank has an array of credit card variants to suit the lifestyle and spending patterns of individual customers. You can apply for the card that suits you the best. On complying with all the eligibility criteria and providing the required documents, the Bank will approve the Credit Card with a pre-set credit as well as a cash limit. Once activated, you will start making purchases with a credit card. You will receive a Yes Bank Credit Card Statement for a billing cycle where you will have the details of the transactions and the amount due. Besides this, there are various other important Sections in the Credit Card you should read and understand. This article will give you an insight into how to read the Yes Bank Credit Card Statement and the details that should be given utmost importance.

What is a Yes Bank Credit Card Statement?

Yes Bank sends Yes Bank Credit Card Statement to all Yes Bank Credit Cardholders at the end of each billing cycle. The Yes Bank Credit Card Statement is a summary of the transactions along with other details like the total amount due, the minimum amount due, the payment due date and also the details of the transaction like the date of purchase, name of the merchant establishment, etc. It will also give you an idea of the total credit limit total cash limit set for the particular credit card. You can also get to know the available credit limit and the available cash limit. 

You should necessarily make either the minimum amount due or the total amount due on or before the payment due date. Payments made after the due date will be considered as delayed payments, and delayed payment charges along with interest on the amount due will be charged. Besides this, there will be a negative impact on your credit score.

How to Avail Yes Bank Credit Card Statement Online?

You can check Yes Bank Credit Card Statement Online through Netbanking. You should first register for the net banking facility if you have to access Yes Bank Netbanking.

  • Access the Yes Bank Netbanking using login credentials.
  • On the top menu, you will find a credit card button. Click on the button.
  • Choose the statements option.
  • If you have more than one credit card choose the credit card for which you need the statement.
  • Mention the month for which you need the statement and submit it.
  • An HTML statement will be displayed with all the relevant details.
  • Click on the statement option to view the transactions.
  • Individual transactions can be viewed by clicking on the ‘show all’ option.
  • You have the option to filter the domestic and international transactions.
  • Click on Rewards to view the reward points.
  • You can also download the statement if required.

Additional Info: Check about Yes Bank Credit Card Offers also.

How to Avail Yes Bank Credit Card Statement Offline?

You can also get the hard copy of Yes Bank Credit Card Statement delivered to your mailing address by calling the Yes Bank Credit Card Customer Care helpline on 1800 103 1212. You can also visit the nearest Yes Bank branch and place a request for a hard copy of the Yes Bank Credit Card Statement.

How to Check Yes Bank Credit Card Statement?

To analyse the Yes Bank Credit Card Statement efficiently, you should be aware of the various elements of the credit card statement and their importance. The terms in the credit card statements and the percentages convey valuable information. To understand the information, you should know how to interpret the elements contained in the Yes Bank Credit Card Statement.

Given below is a list of elements contained in the Yes Bank Credit Card Statement, along with the interpretation.

Payment Due Date: The payment due date can be seen on the top right of the credit card statement. Here you can also find the statement generated to date and the statement period, i.e., the billing cycle.

The payment has to be made necessarily within the payment due date. Payments delayed will attract delayed payment charges as well as interest. The delayed payment will impact your CIBIL score as well.

Minimum Amount Due: Yes Bank offers a revolving payment facility for credit cards. If you have opted for one, you can pay the minimum amount due, which will be 5% of the total credit card liability. The balance outstanding will be carried over to the next billing cycle. 

The minimum amount due can also be seen in the statement. If you are not able to pay the total amount due, you can pay the minimum amount due to avoid late payment fees. Any amount paid below the minimum amount due will attract delayed payment charges.

Statement Period: This can be seen in the top right corner of the Yes Bank Credit Card Statement. This depicts the interest-free period. For instance, if the statement period is 21st December to 20th January, it will be included in the statement generated on 21st January with the due date on 10th February. This will give you an interest-free period of say 45 to 50 days, provided you make payment of the total amount due.

New Charges: This section will contain the details of charges levied on your credit card. Check this section carefully for its correctness. If you spot any charges that are not legitimate, you can raise a dispute by calling the Yes Bank Customer Care helpline.

Refunds/Payments: This Section contains the total of the payments made and the refunds received. Check the details of the refunds. It is not mandatory for all the refunds to be reflected in the statement. Some refunds may also be delayed.

Transaction: This Section contains the full details of the usage of the credit card during the billing cycle. The details of the transaction, along with the transaction date, can be found in this segment. Check this segment carefully. If you think that you have not initiated any transaction mentioned in the section, you can report the same to the Credit Card Grievances Section.

Closing Balance: The closing balance is the total amount due for the credit card. If you want to take advantage of the interest-free period, then it is recommended to make the total amount due shown in the closing balance. Otherwise, the balance carried over after payment of the minimum amount due will attract interest at 3.5% per month, which can be exorbitant.

Additional Reading: Check about Yes Bank Credit Card Application Status online. 

How to register for Yes Bank Credit Card Statement

To register for Yes Bank Credit Card Statement, you will have to register your Email ID with the Bank and request a Credit Card E-statement. The Bank will send an E-Statement to your Email ID in PDF format. This statement will be encrypted and will need a password to open.

The Yes Bank Credit Card E-Statement password will generally be the Customer ID followed by the date of birth. Read below to understand how to open Yes Bank Credit Card Statement Password.

To open the encrypted Yes Bank Credit Card Statement, you should know how to download Yes Bank Credit Card Statement.

  • Open your Email
  • Click on the Email consisting of the Yes Bank Credit Card E-Statement.
  • The E-Statement will be sent as an attachment. 
  • You can download the statement, save it and then view it or
  • Click on the attachment to open. A message will pop up saying, ‘this file is protected. Needs a password.’
  • You should enter the password to open the file.
  • The password will generally be the Customer ID followed by the date of birth. If your Customer ID is 143267 and your date of birth is 01-02-1958, the password will be 14326701021958
  • Once the password is entered, the file will open, and you can view the statement.

Additional Info: Check out Yes Bank First Preferred Credit Card & apply.

Features & benefits of Yes Bank Credit Card Statement

Yes Bank Credit Card Statement is generated in line with your billing cycle. The contents of the Credit Card Statement can be an eyeopener to your spending pattern. The key features and benefits of the Yes Bank Credit Card Statement are:

  • You can have a penny to penny details of your spending during a billing cycle.
  • You can understand where you are splurging money and control the same.
  • Yes BankCredit Card Statement can be saved on your laptop or phone and view it whenever needed.
  • The statement can be procured free of cost.
  • You can check for the accuracy of transactions, and if any fraudulent transaction is traced, you can raise a dispute. 
  • You can also keep track of all the refunds that have you have to receive and, if not received, can take up the matter with the respective dealer.
  • You can also check for the charges collected on the card, and if you feel that it is not legitimate, you can dispute the same.
  • You can also download the statement and, in case of any dispute, can produce the statement as evidence.

Also Check: Yes Bank Credit Card Reward Points 

The most common terms mentioned in Yes Bank Credit Card Statement

The most common terms mentioned in Yes Bank Credit Card Statement are:

  • Statement Period
  • Payment Due Date
  • Minimum Amount Due
  •  New Charges
  • Payment/Refunds
  • Transaction
  • Closing Balance

Yes Bank Credit Card Statement FAQs

✅ What are the different modes to check Yes Bank Credit Card Statement?

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You can check the Yes Bank Credit Card Statement Online through Netbanking. You can also get a hard copy of the statement delivered to your mailing address by calling the Customer Care helpline and placing a request or by visiting the branch and placing a request.

✅ How to register for Yes Bank Credit Card E-Statement?

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Register your Email ID with the Bank and request an E-Statement. The Bank will send an E-statement in PDF format to your Email ID.

✅ Do you have to pay for the E-statement?

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No, the E-statement facility is free of cost.

✅ Can I download the Yes Bank Credit Card Statement?

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Yes you can download the Yes Bank Credit Card Statement through Netbanking. You will have to select the statement option under the Credit Card Section and click on download when the statement is displayed on the screen.

Alternatively, if you have registered forE-statement, you can download the E-statement that will be sent as an attachment in PDF format.

✅ What happens if the minimum amount due or the total amount due is not paid within the due date?

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If the credit card outstanding, at least to the extent of the minimum amount due, is not paid within the due date, it will be considered as delayed payment and charges for the delayed payment will be collected, and it will also affect your credit score.

Follow the link for: CIBIL Login Registration