*Please note quotes shown will be from Our Partners

Credit Card

YES Bank is the fifth largest private sector bank in India. It offers a number of credit cards that are designed to provide a host of rewards and benefits like discount vouchers on dining, entertainment, travel, etc. YES Bank also offers a premium range of credit cards in partnership with American Express. Let us understand the features and benefits of Yes Bank credit cards in some detail-
 

YES Bank Credit Cards Annual Fee (in Rs) Renewal Fee (in Rs) Features Suitable For

YES FIRST Preferred
Nil Nil 4 complimentary airport lounge access in a year; green fee waiver at select golf courses in India Airport Lounge, Shopping, Movies, Fuel and Golf

YES Prosperity Edge
Nil Nil Waiver of Green Fee at select golf courses; up to 15% discounts at select restaurants Shopping, Fuel, Golf and Dining

YES Prosperity Rewards Plus
Nil Nil Get up to 15% discounts at select restaurants; Best in class Interest Rate of 2.4% p.m. on revolving credit Shopping, Fuel and Dining

YES FIRST BUSINESS Card
Nil Nil Spend Rs. 3 Lakhs within 90 days of card activation and get 20,000 reward points Corporate Expenses

YES Prosperity BUSINESS Card
Nil Nil Get Priority Pass Membership and enjoy 3 complimentary international airport lounge access Corporate Expenses

YES FIRST Preferred

This credit card from YES Bank is best suited for those who like to travel and save at the same time. Given below are a few features of this card-
 

  • Get 4 complimentary airport lounge access in a calendar year under the Priority Pass Membership.
  • Spend Rs. 7.5 Lakhs or more in a year and get 20,000 bonus reward points.
  • Avail up to 25% discount on booking movie tickets through BookMyShow website or mobile app.
  • Every Rs. 100 spent on the card will give you 8 reward points. These points never expire.
  • Redeem the reward points against hotels, movies and flight tickets. (1 Reward Point = Re. 0.25)
  • Enjoy fuel surcharge waiver for transactions ranging between Rs. 400 and Rs. 5,000 across all fuel stations in India.
  • Get the green fees waived off at select golf courses across India.
  • Enjoy up to 15% discount at participating restaurants.

YES Prosperity Edge

This premium credit card by YES Bank is perfect for those who like to spend on the best things. Some of its features are-
 

  • Spend Rs. 7,500 within 30 days of card issuance and get 1,500 bonus reward points.
  • Get up to 2 complimentary airport lounge access in a quarter.
  • Spend Rs. 6 Lakh or more in a year and get 15,000 bonus reward points.
  • Enjoy green fee waiver at select golf courses across the country.
  • Get up to 15% discount on your dining bill at select restaurants across India.
  • Avail fuel surcharge waiver for transactions ranging from Rs. 400 to Rs. 5,000.
  • Earn up to 6 reward points for every Rs. 100 spent on your credit card.
  • Accumulated reward points never expire and can be redeemed against a host of travel, shopping and other rewards.

YES Prosperity Rewards Plus

Earn more every time you shop with YES Prosperity Rewards Plus credit card. Here are a few important features of this card-
 

  • Spend Rs. 5,000 within the first 30 days of card activation and get 1,250 bonus reward points.
  • Enjoy up to 15% discount when you dine at select restaurants.
  • Get 12,000 bonus reward points on spending Rs. 3.6 Lakhs or more in a calendar year.
  • Get fuel surcharge waived off at all fuel stations in India for transactions ranging between Rs. 400 and Rs. 5,000.
  • Every Rs. 100 spent on the card will earn you 5 reward points which never expire.
  • Collected points can be redeemed for gift vouchers and merchandise across several categories. (1 Reward Point equals to Re. 0.25)
  • One can also convert the reward points into JPMiles where 4 points equals to 1 JPMile.
  • Rs 1 Lakh Credit Shield cover on accidental death of Primary Card member.

YES Bank Business Credit Cards

YES FIRST BUSINESS Card

This business credit card by YES Bank is packed with several privileges tailor-made for small businesses. Let’s explore some of its features-
 

  • Spend Rs. 3 Lakhs within 90 days of card activation and get 20,000 reward points.
  • Get another 20,000 bonus reward points on spending Rs. 12 Lakhs in a year.
  • Get Priority Pass Membership and enjoy 6 complimentary international airport lounge visits in a calendar year.
  • Under the MasterCard Lounge Program, enjoy 3 complimentary domestic airport lounge visits per quarter.
  • Earn 6 reward points on every Rs. 100 spent on retail shopping.
  • Earn 9 reward points for every Rs. 100 spent on online shopping and dining.
  • Special Benefits on Awfis, Experian, RedGirrafee & OLA, for a seamless business experience.
  • Enjoy Foreign Currency Mark up of 1.75% only.
  • Redeem your accumulated reward points across different categories. (1 reward point = Re. 0.25)

YES Prosperity BUSINESS Card

This is another business credit card offered by YES Bank. It is also loaded with several benefits and privileges such as-
 

  • On spending Rs. 1 Lakh in the first 90 days, you will earn 10,000 bonus reward points.
  • Enjoy special Benefits on Awfis, Experian, RedGirrafee & OLA, for a seamless business experience (T&C Apply).
  • Get 4 reward points on all retail spending.
  • Earn 6 reward points on online shopping and dining spends.
  • Enjoy Foreign Currency Markup of 2.50% only.
  • Enjoy 2 complimentary domestic lounge access per calendar quarter under MasterCard Lounge Programme.
  • Get Priority Pass Membership and enjoy 3 complimentary international airport lounge access.
  • Redeem your reward points against a wide range of gift vouchers across different categories.
  • 1 reward point = Rs.0.25 (The Reward Points never expire).

Other Yes Bank Credit Cards

YES Prosperity Rewards Credit Card

This card is not available on Finbasket's.com. Kindly visit YES Bank website to apply.

YES Bank offers a rewarding credit card to let you earn while you spend. This credit card comes with the following benefits-
 

  • Make retail spending worth Rs. 2,500 within 30 days of card issuance and get 1,000 reward points.
  • Earn 1 reward point for every Rs. 100 spent on retail.
  • Double your rewards on dining and online shopping.
  • International transactions let you earn 3 reward points per Rs. 100.
  • Spend Rs. 1.8 Lakh in a year and get 10,000 bonus reward points.
  • Enjoy Preferential Foreign Currency Mark up of 3.4%.
  • Get your fuel surcharge waived off across all fuel stations in India for transactions ranging between Rs. 400 and Rs. 5,000.

YES Prosperity Cashback Credit Card

This card is not available on Finbasket's.com. Kindly visit YES Bank website to apply.

With this credit card, users can get cashback every time they use their credit card for different purchases. Some of its features include-
 

  • Spend Rs. 2,500 within the first 30 days of card issuance and get Rs. 250 cashback.
  • Avail 5% cashback on grocery shopping, movie ticket booking and bill payment through YES PayNow. All other retail spends get you 0.5% cashback.
  • Enjoy fuel surcharge waiver at all fuel stations for transactions worth Rs. 400 to Rs. 5,000.
  • Avail Preferential Foreign Currency Mark up of 3.4%.
  • Convert your big-ticket purchases into EMIs and pay off easily.

YES Prosperity Cashback Plus Credit Card

This card is not available on Finbasket's.com. Kindly visit YES Bank website to apply.

This is an upgraded version of Cashback credit card and comes with the following features-
 

  • Get cashback of Rs. 250 when you spend Rs. 2,500 within 30 days of card issuance.
  • Use your card for grocery shopping, movie ticket booking and bill payment through YES PayNow and get 5% cashback.
  • Earn 0.75% cashback on all retail spends.
  • Get fuel surcharge waived off at all fuel stations for transactions ranging from Rs. 400 and Rs. 5,000.
  • Get Rs. 1 Lakh Credit shield cover on accidental death of Primary Card member.
  • Enjoy Preferential Foreign Currency Markup of 3.4%.

American Express Cards sourceable by YES Bank

YES Bank also sources some AMEX credit cards. These credit cards offer several benefits and privileges to its users.
 

American Express Platinum Reserve Credit Card

This is a great credit card for frequent shoppers as it lets them earn huge rewards every time they use their card. Some of its features include-
 

  • The first year fee is Rs. 5,000 plus applicable taxes and the fee from the second year onwards is Rs. 10,000 plus applicable taxes.
  • Get a welcome gift of 11,000 bonus Membership Rewards points.
  • Earn 1 Membership Rewards® Point for every Rs. 50 spent across all categories except fuel, insurance, utilities and cash transactions.
  • Redeem reward points for over 500 options across dining, accessories, travel and more.
  • Get more benefits when you make travel bookings with MakeMyTrip.com.
  • Enjoy privileges at major hospitality brands like Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts.
  • Get complimentary Priority Pass Membership.
  • Get complimentary access to domestic lounges across India.
  • Enjoy special health and wellness benefits from Max Healthcare, Texas Medical Concierge and Fortis Healthcare.

American Express Platinum Travel Credit Card

Best suited for travellers, this Amex credit card offers several travel and hotel benefits. Given below are some of its features-
 

  • The first year fee is Rs. 3,500 plus applicable taxes and the fee from the second year onwards is Rs. 5,000 plus applicable taxes.
  • Get a welcome gift of 5,000 bonus Milestone reward points which can be redeemed against travel vouchers worth Rs. 4,000.
  • On spending Rs. 1.90 Lakhs in a year, you can get travel vouchers worth Rs. 7,700.
  • Earn 1 reward point for every Rs. 50 spent on Fuel, Utilities, Insurance and Cash Transactions.
  • On spending Rs. 4 Lakhs in a year, you can get travel vouchers worth Rs. 11,800 and additional 10,000 voucher from Taj Group.
  • Exclusive benefits on travel bookings made form MakeMyTrip.com.
  • Enjoy 4 complimentary visits per year to 30 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities.

American Express Gold Card

This is a premium card with exclusive lifestyle benefits. The features and benefits of the card are as follows-
 

  • The annual fee for the first year is Rs. 1,000 plus taxes and thereafter the annual fee every year is Rs. 4,500 plus taxes.
  • Earn 1,000 bonus reward points if the card is used at least 6 times in a month with each transaction worth Rs. 1,000 or more.
  • 5,000 reward points when the card is renewed after the first year.
  • Exclusive benefits on travel bookings made form MakeMyTrip.com.
  • No pre-defined credit limit so that the customer can enjoy unlimited access to funds.
  • By using the card for the day-to-day expenses, the customer can win Rs. 1,000 worth of movie tickets every month.
  • 1 reward point for every Rs. 50 spent on the card which can be redeemed against the 18-carat and 24-carat Gold Collection rewards.
  • For 24,000 worth of points, the customer can access the 24 carat Gold Collection and for 18,000 points, the 18 carat Gold Collection is available which includes a Tissot watch, MakeMyTrip Holiday Voucher, American Express Gift card worth Rs.10,000 and BOSE Music Systems.
  • The points can also be redeemed against 500+ attractive options including leading airlines, hotels, electronics and more
Eligibility Criteria for American Express Cards sourceable by YES Bank
 
Although the income requirement differs from one Amex card to another, given below are the basic criteria that you should meet in order to be eligible for these Amex Credit Cards-
 
  • The applicant should have a permanent residential address in India.
  • The applicant should be at least 21 years of age.
  • He/she should have a stable income.

YES Bank Credit Card Bill Payment

YES Bank credit card users can pay their bills using several methods.

For YES Bank Account Holders: Those who hold a savings/current account with 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 make direct bill payments by logging into your account online.
  • ATM Fund Transfer- Visit a YES Bank ATM to make payment for your credit card.
  • Standing Instructions- 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 wish to use other bank’s accounts to make payment can use these channels-
 

  • Bill Desk- Please click https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html to make payment.
  • Cash Payment- 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 and make the payment. Use IFSC code:YESB0CMSNOC.
  • Cheque Payment- You can also draw a cheque honouring your 16 digit YES BANK Credit Card Number and drop it at the nearest YES Bank cheque drop box.

How to Apply for YES Bank Credit Cards

In order to apply for YES Bank credit card, visit YES Bank website. Here you will find different credit cards. Choose one that matches your requirements. Once you choose a card, you need to check your eligibility for the card by entering basic details like your age, income, etc. If you’re eligible, you can proceed with the application process. Just complete the application form with all the required information. A representative from YES Bank will call you and come to collect the relevant documents at your doorsteps. Once approved, you will receive your credit card within a week.

Apply through Finbasket's.com

Visit Finbasket's website to apply for YES Bank credit cards. Here you can compare different credit cards and apply directly by filling a few details. You can also check eligibility for different credit cards and get instant approval.

YES Bank Credit Card Eligibility and Documentation

To be eligible for YES Bank credit cards, an applicant should be-
 

  • At least 18 years of age and not more than 60 years old.
  • Salaried or self-employed.
  • Have a stable income.
  • Employed at the current organization for at least 1 year.

The income criterion varies depending on the type of credit card applied.

Applicants are also required to submit a few documents when applying for YES Bank credit cards. These include identity proof, address proof and income proof. The following documents are supported-
 

Proof of Identity Proof of Address Proof of Income
PAN Card Aadhaar Card Latest one or 2 salary slip
(not more than 3 months old)
Aadhaar card Driver's License Latest Form 16
Driver's License Passport Last 3 months' bank statement
Passport Utility Bill not more than 3 month's old  
Voter's ID Ration Card  
Overseas Citizen of India Card Property Registration Document  
Person of Indian Origin Card Person of Indian Origin Card  
Job card issued by NREGA Job card issued by NREGA  
Letters issued by the UIDAI Bank Account Statement  

YES Bank Credit Card Customer Care

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: yestouch@yesbank.in

YES Bank credit card customer care SMS: SMS ‘HELP’ space at 92233 90909

In case of complaints, customers can fill the complaints form available on the official website of YES Bank or visit the given link: