Yes Bank credits cards are one of the best products by Yes Bank. Yes Bank credit cards are designed in a way that it suits different needs of people. It also offers a premium range of credit cards in partnership with American Express. This article lets you know more about the rewards and gifts offered by Yes Bank to satisfy its customers during every transaction made using their credit card.
Best credit cards in India
What are the Types of Yes Bank Credit Cards?
Yes bank credit cards cater to a wide variety of customers. Whether you need a basic credit card or an elite card, Yes Bank has it all on offer. The credit cards are loaded with benefits that are designed to suit different needs and wants of people. The cards focus on anti fraud, flexible credit limits, cash advances, reward points, and specialised privileges. If you wish to be a part of hand-picked rewards, cash back, discounts and personalised offers, here are the details
Yes Bank FIRST Preferred Credit Card - Suitable for Airport Lounge, Shopping, Movies, Fuel and Golf
Yes Bank Prosperity Edge Credit Card - Suitable for Shopping, Fuel, Dining and Golf
Yes Bank Prosperity Rewards Plus Credit Card - Suitable for Shopping, Fuel and Dining
Yes FIRST BUSINESS Credit Card - Suitable for Corporate Expenses
Yes Prosperity BUSINESS Credit Card - Suitable for Corporate Expenses
What are the Features and Benefits of Yes Bank?
Sign on bonuses: As a thank you for signing with the bank, some of the Yes bank credit cards provide sign on bonus or gifts. This great reward will offset any joining fees paid already.
Rewards: For any transactions made using your Yes bank credit card, reward points are offered. You can accumulate to obtain a great gift or the points can be redeemed for cashback. The customer is the winner in either ways.
Frequent flyer miles: This is for customers who travel by plan frequently. They will get rewards in the form of “miles” when they use their card to pay for their air tickets. When you earn enough points, you will be able to get discount on tickets in future or even get free air tickets. With some credit cards you might get access to airport lounges which could be of great use during flight delays.
Cashback: You might get cashback on certain spends like 5% cashback for online shopping, 10% for using your credit cards to pay utility bills. This could be a great way to save money on small expenditure.
Keeping vendors in check: You can keep vendors in check with the help of credit cards. You have the option to cancel payment or even if already paid. You have the ability to revert the payment if you feel the product you bought is below par. This will make sure that the vendors who provide the products will stay honest and provide better quality goods.
Insurance: Insurances like travel insurance can be availed in many credit cards. Due to ignorance, many credit cardholders don’t realise they are protected and don’t use these facilities. It is wise to know about the features and benefits before availing the credit card and also read the terms and conditions.
Universal acceptance: Credit cards are universally accepted unlike debit cards. You can use your credit card in any foreign country instead of searching for a currency exchange centre or ATM.
Instant Loan: A source of loan is your credit limit which can be accessed immediately without any approvals. This will be very useful in case of emergencies. You also have the option of converting your credit card bill into EMI if you are unable to pay back immediately.
- Credit score improvement: Your credit score will get improved when you pay your credit card bill on a regular basis. As different credit or credit mix is a part of credit score, a credit card will help you improve your score from that aspect also.
How to Apply for Yes Bank Credit Card?
Visit the official website of Yes Bank. Go through the various credit cards they offer. Different credit cards have different features and benefits and the annual fees may also vary, so you need to select the card that matches your needs.
- Step 1: Select the card, click on ‘Apply Now’ button
- Step 2: This will lead you to a new page wherein you have to enter your mobile number to which an OTP will be sent. Enter the same and continue
- Step 3: Enter the details about your work such as the name of your organisation, income, PAN details, and also the basic details like your name, mobile number, date of birth and email address
- Step 4: Click “Submit”
Once you submit the information, an OTP will be sent to the number provided which you have to enter in order to validate your application. An executive will visit you at your doorstep to collect the relevant documents. Once the application is successful, you will receive a reference ID using which you can track the status of your application. You will get the credit card within a week.
You can also visit the nearest Yes Bank branch to fill out the credit card application form and submit it along with the required documents. After it is approved by the bank, the card will be delivered at the mentioned address.
What is the Eligibility and Documents Required to apply for a Yes Bank Credit Card?
Before applying for a Yes Bank credit card, the applicant must be eligible to own one. Each and every bank has its own eligibility criteria, likewise Yes bank has certain rules to be followed before providing the credit card to its customers. The customer should satisfy the bank’s needs by proving that he/she is eligible to own a Yes Bank credit card
Yes BANK Credit Card Eligibility Criteria:
Card holder should be in the age bracket of 18 years to 70 years.
Should have a fixed monthly income.
Should have a good CIBIL credit score.
Should be a resident of India
When applying for Yes Bank credit cards, you will have to submit a few important documents - address proof, identity proof and income proof. The documents required will be communicated by Yes Bank at the time of applying for a credit card. You need to submit the following documents to avail a Yes Bank credit card-
Documents required for getting YES BANK Credit Card:
Pan Card Photocopy OR Form 60
Latest Salary Slip, Form 16, Income Tax return copy as income proof
Passport, driving license, ration card, etc. for residence proof.
Comparison Table for Yes Bank Credit Cards
Each Yes Bank credit card offers exclusive privileges and unique membership benefits for fulfilling all your needs and lifestyle requirements. Yes Bank Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. The popular types of reward schemes available can be categorised as – Fuel, Shopping, Premium, and others.
|Name of the Yes Bank Credit Card||Joining Fee||Joining Perks||Rewards|
|YES Prosperity Rewards Plus||Free||1250 Reward Points as a Welcome bonus||
|YES Prosperity Edge||Free||1500 Reward Points on spends of INR 7,500/-||
|YES FIRST Preferred||Free||8 Reward Points on spends of Rs. 100/-||
|YES FIRST Business||Free||20,000 Reward Points worth Rs. 5000 on spendings of Rs. 3 lacs within first 90 days||
|YES Prosperity Business||Free||10,000 Reward Points worth Rs. 2,500 on spendings of Rs.1 Lakh within first 90 days||
How to Check Application Status of a Yes Bank Credit Card?
Yes bank’s official website is a right place to check the status of your credit card application in simple and easy steps.
- Visit Yes Bank India website. You need to select Personal Banking > Individual > Cards,from the left navigation menu.
- Once you click on ‘Cards’, you will be redirected to ‘Individual Cards’ page, where you will find the types of Yes Bank credit cards mentioned at the top of the page
- Under ‘Credit Cards’, find ‘To track your Application status, click here’, and it will take you to the ‘Credit Card Application Status’ page
- The page contains a form, in which you will have to fill in your details such as your mobile number, application form number or application reference number
- Now click ‘Submit’. The system will return with your application status.
When your application is still under review, the status will be ‘In-progress/In-process’. If it is approved or rejected, you will find the same as your application status. An ‘Approved’ status indicates your application is processed and the card is awaiting printing and dispatch, a ‘Rejected’ status denotes halting of process as the application does not meet the criteria set up by the bank. You are eligible to re-apply only after a period of 3-6 months.
An ‘On-hold’ status denotes that your application has been kept on-hold due to insufficient documents or details. You may receive a call from the bank to check the same and once it is cleared, the bank resumes the processing activity. Once the card is sent to your address, you will find ‘Dispatched’ as the application status. The bank will send you dispatch details, which can be used to track the shipment.
The whole process from receiving the application to processing it, printing the credit card to delivering it will take 3-4 weeks.
When you don’t have internet access, you can simply call the customer service helpline or just send an email to Yes bank to know the status of your application.
#1. Yes Bank Credit Card Login
Services Offered Under Yes Bank Net Banking
With Yes Bank Net Banking, you can carry out a lot of transactions, such as:
Fund Transfer – You can transfer funds easily and securely between Yes Bank accounts, to other non-Yes Bank accounts and also third party accounts held with Yes Bank or any other bank.
Standing Instructions – You can set standing instructions to have funds transferred from your account automatically on or before the payment due date
Instant Money Transfer via IMPS – You can transfer money instantly to any specified bank branch in India, 24x7x365, through IMPS.
Open FD, RD - You can choose to experience the ease of starting investments like a Fixed Deposit, Recurring Deposit or an offered type of Goal Based Saving scheme.
Bill Payment Online – Paying bills is made easy now with Yes Bank online banking. You can make online payments for various kinds of utility bills like electricity bills, telephone bills, donations, subscription payments, etc.
Invest in Mutual Funds – Currently, mutual funds are the preferred investment option. Through Yes Bank’s online banking platform, you too can make SIP requests, purchase mutual fund units, redeem existing units or even cancel SIP requests.
Get Account Related Information – Online banking allows you to get all your account related information in one place. You can view your account balance, view & download account statements, view account activity / transactions and also update your information whenever needed.
View Details of FD & RD – Through online banking, you will also get access to all information related to your Fixed Deposit or Recurring Deposit which you hold with Yes Bank.
View Cheque Status – You can keep track of the status of the cheques issued by you.
View Investment Details – You will get all details related to your investments like NAVs, current portfolio value, NAVs, etc.
Account Charges Info – You can find out any account related charges online like average quarterly balance, charges applicable, contact details of your relationship manager, etc.
Through online banking, you can place requests for a new cheque book, your account statement, Yes bank credit card etc.
You can even request to Update information about your PAN card, Nominee registration details, etc.
Through online banking, you can also register for the type of account statement you wish to receive, such as combined e-statements, flexi-frequency e-statements and also e-advice on your Fixed Deposit.
To access Yes Bank Mobile banking app, you can download it from the Yes Bank Online banking website.
You can now pay bills quickly and securely with the help of YES PayNow service.
Donations can be made to various charities and religious institutions via Yes Bank online banking.
Make payments for your online purchases through Yes Bank Net Banking option which is available on all major e-commerce websites.
How Do You Register For Yes Bank Internet Banking?
You must first register for the service, in order to use net banking with Yes Bank. The registration process is simple and easily comprehensible.While opening your account, you will receive a Customer ID, a Debit/ATM Card and a PIN for the Debit/ATM card. You will need all these information to register for online banking. Find below the steps to register for NetBanking.
Step 1 - First, visit the Yes Bank online banking website and go to the Login page.
Step 2 - You will be requested to input your Customer ID, ATM / Debit Card number and the accompanying PIN (for ATM/Debit Card). This information is needed to allow the bank to authenticate your account details. Your Customer ID will be provided to you in your Welcome Kit. Additionally, your account statements will also mention your Customer ID. Your Customer ID will automatically be considered as your Login ID for Netbanking purposes
Step 3 – Next, you will be asked to create a password for your net banking account. Follow the instructions displayed on the page to create a strong password for your account. On creating your unique password, you will be asked to confirm the registration.
Once you have registered for online banking, you can easily access it by simply providing your customer ID and password.
Fees and Charges for Yes Bank Credit Card
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as specified by the bank. Depending on the schemes, the charges may vary for different cards. Annual fees is not refundable to the cardmember at the time of closure of the credit card.
Cash Advance Fees: For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly credit card bill. The cardholder can use the credit card to withdraw money from ATMs in India and abroad at any time. Unlike other purchases, ATM transactions do not get interest free period.
Late Payment Charges: Late payment charges are applicable if minimum amount due isn’t paid on or before the due date. Below mentioned are the late payment charges applicable
|Statement Balance||Late Payment Charges|
|Less than INR 100||Nil|
|INR 100 to INR 500||INR 100|
|INR 501 to INR 5000||INR 400|
|INR 5001 to INR 20,000||INR 500|
|INR 20,001 and above||INR 700|
Yes Bank Credit Card Bill Payment
At the end of the billing cycle, the monthly credit card statement will be sent to your registered email id. You can also view the same using Yes Bank’s portal. The credit card statement will display the payments and purchases since the date of last statement. Yes bank credit card customers can make use of the online credit card bill payment options to pay the credit card dues from the comfort of their home. The user-friendly interface of Yes Bank’s net payment gateway will enable you to make credit card payments without any hassles.
YES Bank credit card users can pay their bills using the following methods.
For YES Bank Account Holders:
Those who have a savings/current account in Yes Bank can use the following channels to make their credit card bill payment-
Internet Banking - If you are registered for using Yes Bank net banking services, you can pay your bills by logging into your account online.
ATM Fund Transfer - You can visit a Yes Bank ATM to make payment for your credit card bills.
Automatic Deduction - You can also set standing instructions on your Yes Bank account which means that the due amount will be deducted automatically every month.
For All Users:
Card holders who want to use other bank’s accounts to make payment can use these channels-
Bill Desk - You can visit the website to make payment.
Cash Payment - You can visit the nearest Yes Bank branch to pay your credit card bill through cash.
NEFT - Add your Yes Bank Credit Card as a beneficiary or NEFT to make the payment. Use IFSC code: YESB0CMSNOC.
Cheque Payment - You can also draw a cheque in favour of your 16 digit Yes Bank credit card number and drop it at the nearest YES Bank cheque drop box.
Yes Bank’s Customer Care Number
YES Bank Credit Card users can get in touch with the bank’s customer care via call, email and SMS. Here are the details:
YES Bank credit card customer care Toll Free number: +91 22 6121 9000
YES Bank credit card customer care Email: email@example.com
YES Bank credit card customer care SMS: SMS ‘HELP’ space at 92233 90909
If the above mentioned customer services are not handled in a responsible, the card holder can escalate the issue or grievance in person by visiting the nearest bank branch or the nodal officer. Below mentioned are the contact details of Yes Bank nodal officer.
YES Bank Ltd.,
7th Floor, Tower B, Building Number 8,
DLF Cyber City Phase II,
Gurgaon, Haryana, India
Contact Number: +91 124 461 9006
Fax Number: 0124 256 0060
Email ID– PrincipalNodalOffice@yesbank.in
About Yes Bank and Credit Cards
Being India’s fourth largest private sector bank, Yes Bank is an outcome of the professional entrepreneurship of its founder, Rana Kapoor and his highly competent top management team. Yes Bank’s aim is to establish a high quality, customer centric, service driven private Indian bank which caters to the “Future Businesses of India”. Yes Bank was founded in 2004. Yes Bank is the only Greenfield Bank license awarded by the RBI in the last 10 years. Yes Bank is a “Full Service Commercial Bank”, and has steadily built a Corporate, Retail, SME Banking franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines all over the country. Being a major presence in urban India, Yes Bank has banking network of over 600 branches and 2,000 ATMs.
Yes Bank provides tailor-made products to fulfil each and every customer requirement which can clearly be seen in their credit card offers. It offers a host of credit cards that are designed to provide a host of rewards and benefits like discount vouchers on dining, entertainment, travel, etc
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