YES Bank Credit Card

Note: Features may change without prior information.

Some of the features and benefits of top YES Bank credit cards are as follows:

YES Prosperity Rewards Credit Card

Note: This card is not available on Paisabazaar.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-

Joining Benefit- Make retail spending worth Rs. 2,500 within 30 days of card issuance and get 1,000 reward points.

Reward Points- Earn rewards on your card at the given rates:

• 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.

Milestone Rewards- Spend Rs. 1.8 Lakh in a year and get 10,000 bonus reward points.

Low Forex Mark-up- Enjoy Preferential Foreign Currency Mark up of 3.4%.

Save More on Fuel- 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

Note: This card is not available on Paisabazaar.com. Kindly visit YES Bank website to apply.

Joining Cash Back- Spend Rs. 2,500 within the first 30 days of card issuance and get Rs. 250 cash back.

Cash Back across Various Categories- Avail 5% cash back on grocery shopping, movie ticket booking and bill payment through YES PayNow. All other retail spends get you 0.5% cash back.

Fuel Surcharge Waiver- Enjoy fuel surcharge waiver at all fuel stations for transactions worth Rs. 400 to Rs. 5,000.

Low Forex Mark-up- Avail Preferential Foreign Currency Mark up of 3.4%.

EMI Conversion Facility- Convert your big-ticket purchases into EMIs and pay off easily.

YES Prosperity Cashback Plus Credit Card

Note: This card is not available on Paisabazaar.com. Kindly visit YES Bank website to apply.

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

Activation Bonus- Get cash back of Rs. 250 when you spend Rs. 2,500 within 30 days of card issuance.

Cash Back- Use your card for grocery shopping, movie ticket booking and bill payment through YES PayNow and get 5% cash back. Earn 0.75% cashback on all retail spends.

Save Money on Fuel Purchases– Get fuel surcharge waived off at all fuel stations for transactions ranging from Rs. 400 and Rs. 5,000.

Insurance- Get Rs. 1 Lakh Credit shield cover on accidental death of Primary Card member.

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-

Annual Fee- 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.

Welcome Gift- Get a welcome gift of 11,000 bonus Membership Rewards points.

Rewards- 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.

Travel Benefits- Get more benefits when you make travel bookings with MakeMyTrip.com.

Hotel Privileges– Enjoy privileges at major hospitality brands like Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts.

Lounge Access- Get complimentary Priority Pass Membership and access the partner lounges across the globe. Get complimentary access to domestic lounges across India.

Health Benefits from Partners- 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-

Annual Fee- 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.

Welcome Gift- Get a welcome gift of 5,000 bonus Milestone reward points which can be redeemed against travel vouchers worth Rs. 4,000.

Milestone Benefits- On spending Rs. 1.90 Lakhs in a year, you can get travel vouchers worth Rs. 7,700. 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.

Reward Earnings– Earn 1 reward point for every Rs. 50 spent on Fuel, Utilities, Insurance and Cash Transactions.

Travel Benefits- Exclusive benefits on travel bookings made form MakeMyTrip.com.

Lounge Access- 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-

Annual Fee- 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.

Bonus Rewards- 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.

Travel Privileges- Exclusive benefits on travel bookings made form MakeMyTrip.com.

No Credit Limit- The card has no pre-defined credit limit so that the customer can enjoy unlimited access to funds.

Movie Benefit- By using the card for the day-to-day expenses, the customer can win Rs. 1,000 worth of movie tickets every month.

Reward Points- 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
• 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

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-

To make banking services easier and user friendly, YES Bank has introduced credit card tracking application tool so anyone can track their application anytime without any hassles. Below mentioned is a guide to apply for YES Bank credit cards:

STEP 1- Click Here to start with your credit card application

STEP 2 – Your basic information like address, date of birth, name, mobile number etc.

STEP 3 – Once you fill your details, a list of credit cards will be shown to you. You can select the bank along with your eligibility. If your financial profile meets with that of the bank’s criteria, you can apply for that credit card

STEP 4 – Once you proceed and complete your credit card application, the bank will review and process it further. If your application is approved from bank’s end, it will be dispatched to the given address

To check the status of your credit card application, you can visit YES Bank credit card application status page. Your registered mobile number and application reference number will be asked post which the bank will be able to tell the status of your credit card application. You can get the following results:

In Process – This means the bank is reviewing your credit card application

On Hold – This means your credit card application is put on hold due to any missing documents or information

Dispatched – Your credit card application has been approved and is dispatched to the address mentioned. You should receive the credit card within 7-10 working days

Rejected – The bank can reject your credit card based on different reasons varying from low credit score or not meeting the eligibility criteria

YES Bank credit card users can earn reward points every time they use their card. The rate of reward earning varies from one card to another on the basis of spends category. The bank may also offer bonus rewards for reaching a certain spending milestone.

The following table shows reward earnings on top 5 YES Bank credit cards-

YES Bank Rewards Redemption

YES Bank offers its credit card users a wide variety of vouchers and merchandise when they wish to redeem their accumulated reward points. On some credit cards, the reward points can also be converted to air miles. The bank has a dedicated website for reward point redemption. Here the users can find a handpicked catalogue of products against which their reward points can be redeemed.

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.

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 for customers calling from India: 1800 103 1212

YES Bank credit card customer care number for customers calling from outside India: +91 22 4935 0000

YES Bank credit card customer care Email: yestouchcc@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.

What are the ways to make the credit card bill payment of YES Bank Credit Card?

You can pay the credit card bill in the following ways:

• NEFT/IMPS
• Cash/Cheque/Demand Draft
• Internet Banking
• Standing Instruction

How can the credit card PIN be changed?

To change your credit card PIN, you can visit internet banking facility from YES Bank. Here, under the Credit Card tab you can find the option to change or generate PIN of your credit card.

How are reward points earned on YES Bank credit cards?

The reward point earning rate on these credit cards is mentioned below:

• 3 reward points are earned per Rs. 100 spent on Groceries or Supermarket spends
• 2 reward points are earned on every Rs. 100 spent on other categories
• 500 Reward points are earned on every YES PayNow registration