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Credit Card

Yes Bank offers credit cards to its customers in partnership with American Express. The cards are designed to provide a host of rewards and benefits like discount vouchers on dining, entertainment, travel, etc. The cards presented by Yes Bank are of 3 types. Let us look at them and their features and benefits in details to easily compare credit cards

Range of Credit Cards offered by Yes Bank

  • American Express Platinum Reserve Credit Card – a credit card offered by Yes Bank to the customer with rewards points and discounts. The features and the value-added benefits in the card are as follows:
  • The first year fee is Rs.5000 plus applicable taxes and the fee from the second year onwards is Rs.10, 000 plus applicable taxes.
  • A welcome gift of 11, 000 bonus Membership Rewards points
  • Cash back of up to Rs.10, 000 on MakeMyTrip through travel bookings, hotel bookings, etc. enjoy Rs.300-Rs.700 cash back on domestic flights and  7-8% cashback on international ones, 20% cash back on domestic hotel bookings and 10% on international hotel bookings, 15% cashback on domestic and international holiday package booking done online or 5% cash back if holiday booking is done offline and 5% cash back on the base fare on both domestic and international flights and hotel bookings
  • Great privileges and offers on luxury hotel stays like complimentary 3rd night’s or 4th night’s stay on booking of 2 or 3 nights respectively at the Oberoi Hotels and Resorts, complimentary Gold Tier Membership in Taj Hotels and Resorts which offers 10% discount on all Taj Holidays, 20% discount on spa treatment at Jiva Spa, 30% discount on the rack rate of Taj Club Rooms and Suites etc., complimentary Trident Privilege Gold Tier Membership at Trident Hotels and a complimentary iPrefer Gold tier Membership at Preferred Hotels and Resorts
  • Complimentary lounge access at American Express Proprietary Lounges and lounges at domestic airports and Priority Pass Membership with access to over 700 international airport lounges across 120 countries
  • Privileged healthcare packages form Max Healthcare, Fortis Healthcare and Texas Medical Concierge.
  • 30% discount on preventive health package, 20% discount on eye and dental procedures, 20% discount on OPD consultation, investigation and diagnosis and 10% discount on room rent and diagnostics under the Max Healthcare Package
  • 15% special discount on OPD facilities like consultation, investigation, diagnosis, etc., 10% discount on standard health check-up packages and 10% discount on room rent and IPD facilities with the Fortis Healthcare package
  • 25% discount on Jasmine Tier Membership, specialized medical opinion, assistance through real-time consultation by phone or video and access to integrated medical technologies like Ayurveda, Yoga, Naturopathy, Acupuncture, etc. under the Texas Medical Concierge service
  • Complimentary access to golf courses at 14 premier golf courses in India with these Yes Bank Amex Credit Cards
  •  No Green fee at domestic courses and discounted rates on golf lesson across 18 premier courses in India
  • Taj Epicure Plus Membership program offering 20% - 50% discount on food and beverages at Taj Hotels and Resorts
  • Attractive dining offers around the world through American Express Selects Dining Program at merchant restaurants
  • Increased Bonus reward points for shopping at EXTRA Membership Rewards Partner outlets
  • Book flight tickets and pay for them through membership rewards ‘Pay with Points’ scheme
  • Earn Reward points on every spending which can be redeemed across attractive and luxurious products from the collection of premium partners including Armani, Canali, Tumi, Jimmy Choo, Ritu Kumar, Paul Smith, etc.
  • The reward points can also be used to pay the credit card charges
  • A platinum concierge service providing assistance with sourcing quality products and services, making dining reservations, flower and gift delivery, assistance with personal arrangements, movie ticket bookings, golf bookings , etc.
  • Other Services which a cardholder can avail are 24*7 card related assistance under Platinum Assist program, Zero Lost Card Liability, emergency card replacement, 4 supplementary Cards and 1 additional card which are free, zero transaction fee at HPCL Petrol stations, global assistance, air accident insurance up to Rs.1 crore and a Comprehensive Protection Plan Plus in partnership with ICICI Lombard to provide insurance coverage

Yes Bank Credit Card Eligibility Criteria

To apply for a Yes Bank credit card, the following eligibility criteria need to be met by the card applicant:

  • The applicant must have 18 years of age
  • The applicant can be a salaried individual or a self-employed individual and should have an annual income of at least Rs.6 lakhs and above
  • The applicant should hold a Savings Account of an Indian Bank or a Multinational Bank in India
  • The applicant should have a permanent residential address in India
  • The credit history of the card applicant should not have any payment defaults
  • If the applicant is self-employed, his company should be trading in the market for a minimum of 12 months

     
  • American Express Platinum Travel Credit Card – a credit card designed to provide exclusive travel related benefits to the cardholder. The features and benefits of Yes Bank credit cards are as follows:
  • The first year fee is Rs.3500 plus applicable taxes and the fee from the second year onwards is Rs.5000 plus applicable taxes.
  • A welcome gift of 5000 bonus Milestone reward points which can be redeemed against Indigo vouchers worth rs.4000
  • On spending Rs.1.90 lakhs in a year the customer can get various benefits like 7500 Spend Milestone Bonus Membership reward points which can be redeemed for Indigo vouchers worth Rs.6000, 1 reward point for every rs.50 spent making the regular reward points worth Rs.3400 redeemable against Indigo vouchers worth rs.1700 and accelerated reward points at EXTRA membership rewards program partners
  • On spending Rs.4 lakhs in a year, the customer can get additional benefits like 10, 000 Spend Milestone Bonus Membership reward points which can be redeemed for Indigo vouchers worth Rs.10, 000, 1 reward point for every rs.50 spent making the regular reward points worth Rs.3600 redeemable against Indigo vouchers worth rs.1800, accelerated reward points at EXTRA membership rewards program partners and vouchers worth Rs.10, 000 from the Taj Group
  • Exclusive benefits on travel bookings made form MakeMyTrip.com which includes Rs.300-Rs.600 cash back on every domestic flight ticket booking either for a one-way trip or a round-trip, 5% - 6% cash back on the base fare on international flight bookings, cashback on domestic and  international hotel bookings, holiday packages and flight and hotel bookings
  • Complimentary Priority Pass Membership
  • 20% discount on dining at premium restaurants with the American Express Selects Dining Program
  • Other services include 2 free supplementary cards, Zero Lost Card Liability, pay-in-parts privilege wherein the customer can pay EMIS for certain purchases, 24*7 platinum assist and emergency card replacement anywhere across the world
  • Yes Bank Credit Card Eligibility Criteria

  • The applicant’s age should be above 18 years
  • The personal income of the applicant, whether salaried or self-employed should be Rs.6 lakhs at least
  • A savings account should be held by the applicant in India of an Indian or Multinational bank’s
  • He should be a resident Indian with a permanent residence in India
  • The credit history should be good with no payment defaults
  • For self-employed individuals, the company should have a trading history of at least 12 months.
  •  

  • American Express Gold Card – 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.1000 plus taxes and thereafter the annual fee every year is Rs.4500 plus taxes.
  • Earn 1000 bonus reward points if the card is used at least 4 times in a month
  • 5000 reward points when the card is renewed after the first year
  • Exclusive benefits on travel bookings made form MakeMyTrip.com which includes Rs.300-Rs.600 cash back on every domestic flight ticket booking either for a one-way trip or a round-trip, 5% - 6% cash back on the base fare on international flight bookings, cashback on domestic and  international hotel bookings, holiday packages and flight and hotel bookings
  • 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.1000 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
  • 20% discount on dining across select merchant restaurants
  • With a built-in intelligence facility, the gold card enables the customer to analyze his spending pattern and automatically adjust the spending limit on the card
  • Other Gold Services which a cardholder can avail are 24*7 card related assistance, dispute resolution, Zero Lost Card Liability, emergency card replacement and 2 supplementary Gold Cards which are free
  • Yes Bank Credit Card Eligibility criteria

    Applicants of the American Express Gold Credit Card should meet with the following eligibility criteria:

  • They should be aged 18 years and above
  • They should have a good credit history wherein there has been no payment defaults
  • If they are self-employed individuals, their company should be trading for a minimum tenure of 12 months.

Applying for a Credit Card from Yes Bank

A customer can apply for Yes Bank Credit cards by visiting the Paisabazar.com website, completing the formalities and submitting the documents for Yes Bank credit cards. Whether it is American Express Platinum Reserve Credit Card, American Express Platinum Credit Card or American Express Gold Card, all cards are available on the Paisabazaar.com website and can be applied easily

  • Credit card statement – the bank sends the credit card statement to the customer every billing cycle which contains the list of transactions carried out per cycle and the amount required to be paid to the bank to settle the debt of the credit card from Yes Bank
  • Yes Bank Credit card online payment – customers can pay their credit card bills online through net banking facility provided by the bank.

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:

Yes Bank Credit Card
(4.3/5 ) 3 Reviews
Credit CardCredit Card
4/5

Satisfactory services

I have been using Yes Bank's credit card from last 6 months. It's a lifetime free card and I get monthly offers and benefits on my card. The mobile banking app is very easy to use and I make all every bill payments through it. The customer ..Read more...

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Posted on: Aug 28 , 2017
Credit CardCredit Card
4/5

Good services

I have Yes Prosperity Cashback plus Credit Card. I got many welcome gifts and benefits as joining bonus. I use this card for all the daily expenses I make because I receive 5% cashback on almost every purchase I make using my credit card. I would lov..Read more...

Male Profile Pic
Posted on: Aug 25 , 2017
Credit CardCredit Card
5/5

Happy customer

I use a Yes Bank platinum credit card, the services are good and receive monthly offers. Yes Bank customer care services are very helpful and they deal with my query whenever I call them. Along with this, I get discounts of 10% to 20% on my ebay shop..Read more...

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Posted on: Aug 24 , 2017
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