YES Bank Credit Cards

Explore cards catering to salaried and self-employed individuals from this issuer. The lowest joining and annual fees start at ₹399, which are waived off when you cross the minimum spending amounts. Check their fees and benefits below:

Disclaimer: The fees and benefits mentioned may change as per the policies of the issuer. Check them before you apply.

From up to 8 reward points on eligible purchases to insurance covers, you can enjoy a range of perks with credit cards by this issuer. While the offers differ based on the card you choose, here are some features you can benefit from: 

YES Bank ACE Credit Card

• Get 8 YES Rewardz Points for every ₹200 you spend online on eligible categories

• Enjoy up to 25% off at partner restaurants with YES Bank’s Dining Fiesta program 

• Get a fuel surcharge waiver at fuel pumps in India

YES Bank Prosperity Business Credit Card

• Travel in style with 4 complimentary visits to domestic airport lounges

• Get 10,000 reward points by spending ₹6 Lakhs or more in a year

• 2 Reward points on every ₹200 spent on select categories

The issuer’s loyalty program is called YES Rewardz. You can redeem the points you earn against gift cards, merchandise, dining vouchers, travel booking, and more. Apart from purchasing home appliances, gadgets, and accessories, you can use your points to donate to charity. 

Here are some important facts to know about the reward points you can earn from this bank:

• You can redeem points on the YES Rewardz portal or the iris mobile app by logging in with your username and password

• A rewards redemption fee of ₹100 is applicable subject to terms and conditions

• You can also use points to pay your credit card bill 

• Your reward points never expire

• The value of 1 reward point can go up to ₹0.25 depending on what you are redeeming it for

The terms of eligibility of one credit card from YES Bank may differ from those of another card. Make sure to meet the specific terms of the card you want to apply for. Here, you can check out the general eligibility parameters:

To qualify, you need to be:

• Between 21 and 60 years old 

• A stable earner as a salaried or self-employed applicant, or proprietor or partner of a partnership firm

• Earning at least ₹40,000 a month (could be higher for YES Prosperity Edge Credit Cards)

To confirm your eligibility and identity, the issuer may check certain documents. Once these are verified, your credit card application is approved. So, keep the required documents handy to complete the application process smoothly. 

Here is the general list of documents you will need to submit to YES Bank:

• Identity Proof:

  • PAN card

  • Passport

  • Aadhaar 

  • Driving Licence 

  • Photograph

• Address Proof:

  • Electricity bill

  • Telephone bill

  • Ration card

  • Passport

• Income Proof:

  • Salaried: Latest payslip

  • Self-employed: Income Tax Returns (ITR)

No matter which YES Bank card you plan to get, apply online to save time and resources. You can apply for any YES Bank Credit Card on the bank’s official website. It’s important to note that credit cards from this issuer are not available on Bajaj Markets.

The issuer is a full-service commercial bank offering an array of feature-rich credit cards. These are known for premium features that include a subscription plan to earn more points and an express loan. You can choose cards across categories like premium, business, super-premium, and more. 

The bank brings you offers from brands including Myntra, GIVA, and Wendy’s. Its mobile app helps you manage your credit card with ease and links you to the YES Rewardz portal too.

You can choose the VISA or Mastercard payment network. While applying, submit a request specifying your preferred network.

The fees you pay depend on your usage and the card variant. Here are the general charges you can expect to incur when using a card from this issuer:

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).

If you have a query or need assistance, reach out to the issuer’s customer care:

• Call: 1800 103 1212 (toll-free number when calling from India) or +91 22 4950000 (when calling from outside India)

• Email: yestouchcc@yesbank.in

The issuer requires you to activate your card within 37 days of issuance as per RBI guidelines. Here is how you can do so: 

• Log in to your credit card account and set up a new PIN

• Download the iris mobile app and generate a PIN

• Reach out to customer care

If you decide to close your account and terminate your card, you can do so:

1. Get a proper picture of what closing a credit card account means. You will no longer be able to use the card or enjoy any of its benefits. 

2. This may affect your credit score and purchasing power. When you are ready to get a new credit card in the future, you can compare options on Bajaj Markets. 

3. Before starting the closure procedure, pay off any dues and redeem your reward points. 

4. Next, you can request closure by:

   1. Calling customer care at 1800 103 6000 from India and +91 22 4935 0000 from overseas

   2. Using the iris app

   3. Logging into net banking via YES Online 

   4. Sending an email to creditcard.closure@yesbank.in

5. Once the bank has received all due payments, it will close your card account within 7 working days of receiving your request.

The issue will report your card account as overdue to credit bureaus if you do not pay even the minimum amount due. You will be reminded to pay your outstanding balance in your subsequent credit card statements. If you pay the dues, your record will be updated in the next monthly communication to credit bureaus. 

If you default on payments, the issuer will send you notifications via several modes of communication. It may also appoint third parties to contact you and collect the dues. These parties will adhere fully to the code of conduct on debt collection.