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Yes Bank Credit Cards in India

**Disclaimer: Yes Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

In addition to providing regular banking services, Yes Bank is also involved in offering credit facilities in the form of credit cards. The bank’s portfolio is vast with as many as 10 different Yes Bank credit cards on offer with varying levels of features, rewards, and benefits.

For instance, with a Yes Bank online credit card, you can enjoy fuel surcharge waivers, complimentary golf program, complimentary airport lounge access, and more. Want to take a look at the Yes Bank credit card list before you go ahead and get one for yourself? Continue reading to find out.

Yes Bank Credit Cards Types

Annual membership fees - Rs. 9,999 plus taxes

Renewal fees - Rs. 9,999 plus taxes

Annual membership fees - Rs. 2,499 plus taxes

Renewal fees - Rs. 2,499 plus taxes

Annual membership fees - Rs. 1,599 plus taxes

Renewal fees - Rs. 1,599 plus taxes

Annual membership fees - Rs. 1,999 plus taxes

Renewal fees - Rs. 1,999 plus taxes

Annual membership fees - Rs. 499 plus taxes

Renewal fees - Rs. 499 plus taxes

Annual membership fees - Rs. 299 plus taxes

Renewal fees - Rs. 299 plus taxes

Annual membership fees - Rs. 1,499 plus taxes

Renewal fees - Rs. 1,499 plus taxes

Annual membership fees - Rs. 999 plus taxes

Renewal fees - Rs. 999 plus taxes

Annual membership fees - Rs. 1,999 plus taxes

Renewal fees - Rs. 1,999 plus taxes

Annual membership fees - Rs. 2,999 plus taxes

Renewal fees - Rs. 2,999 plus taxes

Yes Bank Credit Cards Features and Benefits

Wondering what you get by opting for a Yes Bank credit card? Here’s a quick preview of the various Yes bank credit card features and benefits that you get to enjoy.

  • Lifestyle Benefits

All Yes Bank credit cards offer amazing offers and discounts on a wide range of categories such as wellness, travel, dining, and shopping.

  • Discounts on Movie Tickets

If you’re a movie buff, you’re in for a surprise. You get up to 25% discount on movie tickets booked on BookMyShow using a Yes Bank credit card.

  • Reward Points and Cashbacks

Depending on the type of Yes Bank credit card that you choose, you get access to either reward points or cashbacks on your spends.

  • Contactless Payments

Say goodbye to lengthy payment processes. Many Yes Bank credit cards come with a built-in NFC chip that allows you to make quick contactless payments.

Access to Airport Lounges

With a Yes Bank credit card, you can now relax luxuriously at the airport while waiting for a flight.

Top Yes Bank Credit Cards

Here’s a quick preview of the top Yes Bank credit cards with some of their features.

  • Yes First Exclusive Credit Card

Category: Premium rewards

Ideal for: Individuals looking for premium rewards and preferential benefits

Features: Life insurance coverage of up to Rs. 3 crores, preferential foreign currency markup of just 1.75%, and free golf lesson each month at select golf courses in India

Annual fees: Rs. 9,999 plus taxes

  • Yes Prosperity Edge Credit Card

Category: Rewards

Ideal for: Individuals looking for reward point benefits

Features: Bonus reward points for spending Rs. 6 lakhs or above in a year, reward points on spends, redemption of reward points for Air Miles.

Annual fees: Rs. 2,499 plus taxes

  • Wellness Plus Credit Card

Category: Health and wellness

Ideal for: Health conscious individuals

Features: Accelerated reward points on chemist and pharmaceutical spends, complimentary fitness sessions and annual preventive health checkups.

Annual fees: Rs. 2,999 plus taxes

What are the Yes Bank Credit Card Fees and Charges?

Keen on knowing what the fees and charges for Yes Bank credit cards are? The below table can help give you some clarity.

Particulars

Fees and Charges

Annual membership fees and renewal fees

Varies from one card to another

Cash advance fees

Rs. 300 or 2.5% of the amount withdrawn, whichever is higher

Foreign currency markup

Varies from one card to another

Payment return charges

Rs. 350 per payment return

Finance charges

Varies from one card to another

 

Late Payment Charges

Balance as per statement

Late payment charges

Less than or equal to Rs. 100

NIL

Rs. 101 to Rs. 500

Rs. 150

Rs. 501 to Rs. 5,000

Rs. 500

Rs. 5,001 to Rs. 20,000

Rs. 750

Above Rs. 20,000

Rs. 1,000

 

What is the Yes Bank Credit Card Rewards Program?

Yes Bank credit cards come with a unique rewards programme that provides you with a host of benefits for spending. For certain specific payments that you make through your favorite Yes Bank card, you get to earn reward points, which you can later redeem for goodies like discount coupons or products.

Or, depending on the card, you could also stand to earn cashbacks for each and every spend that you make. Whether you’re out for a fine dining experience or getting your weekly groceries, your Yes Bank CC can help you make the most of every activity. Here’s a quick look.

Yes Bank Credit Card

Reward Points

Yes First Exclusive Credit Card

  • 12 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 6 reward points for every Rs. 200 spent on ‘select categories’

Yes First Preferred Credit Card

  • 8 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 4 reward points for every Rs. 200 spent on ‘select categories’

Yes Premia Credit Card

  • 6 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 3 reward points for every Rs. 200 spent on ‘select categories’

Yes Prosperity Edge Credit Card

  • 4 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 2 reward points for every Rs. 200 spent on ‘select categories’

Yes Prosperity Rewards Plus Credit Card

  • 4 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 2 reward points for every Rs. 200 spent on ‘select categories’

Yes Prosperity Rewards Credit Card

  • 2 reward points for every Rs. 200 spent on categories other than ‘select categories’
  • 1 reward points for every Rs. 200 spent on ‘select categories’

Yes Prosperity Cashback Plus Credit Card

  • 5% cashback on movie tickets, groceries, and bill payments through YES PayNow
  • 0.75% cashback on all other retail payments

Yes Prosperity Cashback Credit Card

  • 5% cashback on movie tickets, groceries, and bill payments through YES PayNow
  • 0.50% cashback on all other retail payments

Wellness Credit Card

  • 20 reward points for every Rs. 200 spent on chemists and pharmaceutical stores
  • 4 reward points for every Rs. 200 spent on all other categories

Wellness Plus Credit Card

  • 30 reward points for every Rs. 200 spent on chemists and pharmaceutical stores
  • 6 reward points for every Rs. 200 spent on all other categories

 

How to Apply for a Yes Bank Credit Card?

Wish to get a Yes Bank credit card for yourself? There are multiple ways to apply for one. You could either do it online or through the offline method. Here’s a brief overview of both of them.

Yes Bank Credit Card Online Apply Method

Yes Bank Card is currently not available on the Finserv MARKETS website. If you wish to apply for a Yes credit card online , you can do so by visiting their website. To browse other credit card options, visit Finserv MARKETS today!

Yes Bank Credit Card Apply Offline Method

Alternatively, if you prefer to get the best credit card of Yes Bank through the offline process, here’s what you would have to do.

  1. Visit a branch of Yes Bank that’s nearest to you.

  2. Get in touch with a bank executive.

  3. Fill the Yes Bank CC application form and attach all relevant documents.

  4. Submit the same at the branch.

Eligibility Criteria and Documents Required for Yes Bank Credit Cards

Let’s delve into the various Yes Bank credit card requirements that you would have to satisfy to be able to apply for one.

Eligibility Criteria

The eligibility criteria for applying for a Yes Bank credit card online is quite relaxed. Here’s what you would have to do.

  1. Be at least 21 years of age, but not above 60 years.

  2. Be a salaried or a self-employed individual.

  3. If you’re a salaried individual, earn a minimum of Rs. 25,000 per month.

  4. If you’re a self-employed individual, have a minimum income of Rs. 5 lakhs per annum as per your Income Tax Returns (ITRs).

Documents Required to Apply for a Yes Bank Card

Just like the Yes credit card eligibility criteria, the documents that you would have to submit to get your hands on a Yes Bank credit card are also minimal. Finding it hard to believe? Take a look.

  1. A copy of your identity proof - Aadhaar, driving license, passport, PAN, voter’s ID

  2. A copy of your address proof - Passport, Aadhaar, driving license, voter’s ID, utility bills, bank statement

  3. If you’re a salaried individual, your salary slips for the last 3 months

  4. If you’re a self-employed individual, your Income Tax Return (ITR) for the previous financial year and your bank statement for the previous 3 months.

  5. A passport size photograph

How to Contact Yes Bank Credit Card Customer Care?

Want to know what the average Yes Bank credit card processing time is? Or maybe you wish to know how to upgrade a Yes Bank credit card? Whatever questions you may have, you could always get in touch with the customer care of the bank to get them answered.

If you’re calling from within India, here’s the number of YESTOUCH, the customer care arm of the bank - 1800 103 1212. On the other hand, if you’re calling from outside India, the number that you would have to use is +91 22 4935 0000. Yes Bank credit card customer care helpline operates 24/7, so you don’t have to worry about any delays in redressal.

Alternatively, if you prefer to get in touch via email , then you could always address your queries to yestouchcc@yesbank.in.

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FAQs About Yes Bank CC

✔️Which is the best credit card offered by Yes Bank?

All of the credit cards offered by Yes Bank are equally good and offer varying levels of benefits and rewards. If you’re interested in knowing what the best Yes Bank credit card is for you, do a detailed comparison of the various options offered by the bank. This way, you can make a more informed decision.

✔️What is the minimum credit score for a Yes Bank credit card?

There is no minimum credit score requirement for applying for a Yes Bank credit card. As long as you satisfy the basic eligibility criteria, you can apply for a Yes Bank CC.

✔️What is the minimum salary required for a Yes Bank credit card?

The minimum salary requirement for a Yes Bank credit card varies from one card to another. It ranges anywhere from Rs. 25,000 per month to Rs. 4 lakhs per month. Therefore, it is advisable to take a look at the eligibility criteria for each individual credit card to get a better idea.

✔️Can I change my Yes Bank credit card type?

Of course. If you already have a Yes Bank credit card with you, you may be able to opt for a Yes Bank credit card upgrade subject to the terms and conditions laid out by the bank. For more information regarding this, you could always get in touch with the customer care of Yes Bank.

✔️How to reach the Yes Bank credit card customer care?

Customers within India can call 1800 103 1212 to get in touch with the Yes Bank credit card customer care. And customers outside India would have to call +91 22 4935 0000 to reach the helpline. Also, if you prefer emailing, here’s the ID to which you would have to address your queries - yestouchcc@yesbank.in.