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YES Credit Cards

**Disclaimer: YES Bank Credit Card is not a Bajaj Markets product.Offers would be from partner Banks/NBFCs only.

 

If you are looking to enjoy lifestyle benefits, complimentary lounge access, discounts and cashback on purchases and rewards against all your transactions, you should apply for a YES Bank credit card. Designed to cater to your diverse needs, YES Bank credit cards are packed with attractive features such as contactless payments, movie and shopping discounts, complimentary airport lounge access, etc., to make your transactions rewarding.

Key Highlights of YES Bank Credit Card

  • Attractive rewards programme

  • Discounts and cashback against regular as well as special purchases

  • Easy and rewarding bill payment process via YES PayNow

  • Fuel surcharge waivers across domestic fuel stations

  • Complimentary lounge access under the LoungeKey program on select cards

How to Apply for a YES Bank Credit Card

You can apply online for YES Bank credit cards by visiting the Bajaj Markets website and following the steps given below:

  • Step 1: Visit Bajaj Markets to check the range of YES Bank credit cards available.

  • Step 2: Enter a few of your details to know your eligibility.

  • Step 3: Check your offer and compare the multiple YES Bank card options available.

  • Step 4: Select the YES Bank credit card that best matches your spending habits.

  • Step 5: Submit your application and get approved.

Top YES Bank Credit Cards

Some of the top credit cards offered by YES Bank are mentioned below:

Credit Card

Fees

YES First Exclusive Credit Card

  • Annual membership fees: ₹9,999 + GST
  • Renewal fees: ₹9,999 + GST

YES First Preferred Credit Card

  • Annual membership fees: ₹2,499 + GST
  • Renewal fees: ₹2,499 + GST

YES Premia Credit Card

  • Annual membership fees: ₹1,599 plus taxes
  • Renewal fees: ₹1,599 + GST

YES Prosperity Edge Credit Card

  • Annual membership fees: ₹1,999 + GST
  • Renewal fees: ₹1,999 + GST

YES Prosperity Rewards Plus Credit Card

  • Annual membership fees: ₹499 + GST
  • Renewal fees: ₹499 + GST

YES Prosperity Rewards Credit Card

  • Annual membership fees: ₹299 + GST
  • Renewal fees: ₹299 + GST

YES Prosperity Cashback Plus Credit Card

  • Annual membership fees: ₹1,499 + GST
  • Renewal fees: ₹1,499 + GST

YES Prosperity Cashback Credit Card

  • Annual membership fees: ₹999 + GST
  • Renewal fees: ₹999 + GST

YES Wellness Credit Card

  • Annual membership fees; ₹1,999 + GST
  • Renewal fees: ₹1,999 + GST

YES Wellness Plus Credit Card

  • Annual membership fees: ₹2,999 + GST
  • Renewal fees: ₹2,999 + GST

 

Eligibility Criteria and Documents Required for YES Bank Credit Cards

To apply for a YES Bank credit card, you must meet the below-mentioned eligibility criteria. You would also need to provide a copy of your identity proof, address proof, and income proof for verification purposes.

1. Eligibility Criteria

  • Age: Age between 21 and 60 years

  • Residence: A resident of India

  • Income: For salaried individuals, a minimum monthly income of ₹25,000 (varies from card to card). For self-employed individuals, minimum ₹5 lakh per annum as per your Income Tax Returns (ITRs)

  • Credit Score: A good credit score, likely 750 and above

Do note that the YES Bank credit card eligibility criteria will vary depending on the card you apply for.

2. Documents Required

  • Identity Proof: Aadhaar, driving license, passport, PAN, voter’s ID

  • Address Proof: Passport, Aadhaar, driving license, voter’s ID, utility bills, bank statement.

  • Income Proof: Salary slips for the last 3 months (for salaried individuals); Income Tax Return (ITR) for the previous financial year and bank statement for the previous 3 months (for self-employed individuals)

  • Passport-size photograph

YES Bank Credit Card Rewards Program

YES Bank credit cards come with a unique rewards programme that provide you with a host of benefits against your purchases. For certain payments that you make through your favourite YES Bank card, you get to earn reward points. On some cards, you also get cashback on movie tickets, groceries, and bill payments through YES PayNow as well as on other retail payments. Once you have accumulated enough YES Bank credit card reward points, you can redeem these points for goodies like discount coupons or products.

Features & Benefits of YES Bank Credit Card

Here’s a quick preview of the various YES bank credit card features and benefits that you can enjoy on your YES credit card.

  • 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 cashback 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.

Fees and Charges of YES Bank Credit Card

The YES Bank credit card fees and charges are mentioned below:

Types of Fees

Fees and Charges

Annual membership and renewal fees

Varies from card to card

Cash advance fees

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

Foreign currency markup

Varies from card to card

Payment return charges

₹350 per payment return

Finance charges

Varies from card to card

Late payment charges

  • Less than or equal to ₹100: Nil
  • ₹101 to ₹500: ₹150
  • ₹501 to ₹5,000: ₹500
  • ₹5,001 to ₹20,000: ₹750
  • ₹20,000 and above: ₹1,000

 

YES Bank Credit Card Customer Care Contact Details

If you want to know the average YES Bank credit card processing time or wish to upgrade your existing credit card or have any card-related issues or questions, you can call YESTOUCH, YES Bank’s credit card customer care, at 1800 103 1212 (domestic) or +91 22 4935 0000 (outside India).  Alternatively, you could send your queries to yestouchcc@yesbank.in.

FAQs on YES Bank Credit Card

✔️What is the minimum YES Bank credit card limit?

The YES Bank credit card limit is decided based on several factors and varies from applicant to applicant. Some of the factors that influence the available credit limit on your YES Bank credit card are your credit score, credit history, and monthly income, among other things.

✔️Can I get a YES Bank credit card?

Yes, you can get a YES Bank Credit Card if you meet the eligibility requirements. You can check your eligibility and apply for a credit card from YES Bank on the Bajaj Markets website/app in a few quick and easy steps.

✔️What are the YES Bank credit card fees and charges?

Depending on the type of transactions you make on the card, the charges will vary. Some of the common charges based on usage are cash advance fees, foreign currency markup, payment return charges, finance charges, and late payment charges. The joining fees and the renewal fees will vary from one card to the other.

✔️Which are some of the top YES Bank credit cards?

Some of the top YES Bank credit cards you can apply for are YES First Exclusive credit card, YES First Preferred credit card, YES Premia credit card, YES Prosperity Edge credit card, YES Prosperity Rewards Plus credit card, YES Prosperity Rewards credit card, YES Prosperity Cashback Plus credit card, YES Prosperity Cashback credit card, YES Wellness credit card, and YES Wellness Plus credit card.

✔️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 to apply 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 ₹25,000 to ₹4 lakh 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 Yes Bank customer care.

✔️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, you can address your queries to yestouchcc@yesbank.in.