YES Bank 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. It also offers a select range of premium credit cards in partnership with American Express. Let us know about the features and benefits of YES Bank credit cards in detail.
Best YES Bank Credit Cards in 2020
| YES Bank Credit Card | Annual Fee (in Rs.) | Key Feature |
| YES FIRST Preferred | Nil | 4 complimentary airport lounge access in a year; green fee waiver at select golf courses in India. |
| YES Prosperity Edge | Rs.1,199 | Waiver of Green Fee at select golf courses; up to 15% discounts at select restaurants. |
| YES Prosperity Rewards Plus | Nil | Get up to 15% discounts at select restaurants; Best-in-class Interest Rate of 2.4% p.m. on revolving credit. |
| YES FIRST BUSINESS Card | Rs.4,999 | Spend Rs. 3 Lakh within 90 days of card activation and get 20,000 reward points |
| YES Prosperity BUSINESS Card | Rs.2,499 | Get Priority Pass Membership and enjoy 3 complimentary international airport lounge access in a year. |
Note: Features may change without prior information.
YES Bank Credit Card - Features and Benefits
Some of the features and benefits of top YES Bank credit cards are as follows:
YES FIRST Preferred Credit Card
Best suited for: Travel Rewards Golf
Key Highlights
Lounge Access- 4 complimentary airport lounge access under the Priority Pass Membership
Milestone Benefit- 20,000 bonus reward points on spending Rs. 7.5 Lakh or more in a year
Movie Benefit- Up to 25% discount on booking movie tickets through BookMyShow
Rewards- 8 reward points on every Rs. 100 spent (These points never expire)
Golf Privilege- Green fees waived off at selected golf courses across India
Dining Benefits- Up to 15% discount at participating restaurants
Income Eligibility for Salaried: Rs.120,000 p.m. | Income Eligibility for Self Employed: Rs.150,000 p.m.
YES Prosperity Edge Credit Card
Best suited for: Travel Dining Lounge Access
Key Highlights
Activation Bonus– 1,500 bonus reward points on spending Rs. 7,500 within 30 days of card issuance
Lounge Access– Up to 2 complimentary airport lounge access in a quarter
Golf Privilege- Green fee waiver at select golf courses across the country
Discount on Dining- Up to 15% discount on dining bill at select restaurants across India
Fuel Surcharge Waiver- Fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000
Income Eligibility for Salaried and Self Employed: Rs.60,000 p.m.
YES Prosperity Rewards Plus Credit Card
Best suited for: Movies Rewards Fuel
Key Highlights
Activation Bonus– 1,250 bonus reward points on spending Rs. 5,000 within the first 30 days of card activation
Dining Benefit- Up to 15% discount at select restaurants
Milestone Rewards- 12,000 bonus reward points on spending Rs. 3.6 Lakh or more in a calendar year
Savings on Fuel- Fuel surcharge waived off at all fuel stations in India
Convert Rewards into JPMiles- 4 points equal to 1 JPMile
Read More
YES FIRST BUSINESS Credit Card
Best suited for: Travel Golf Lounge Access
Key Highlights
Joining Benefit- 20,000 reward points on spending Rs. 3 Lakhs within 90 days of card activation
International Lounge Access- Priority Pass Membership with 6 complimentary international airport lounge visits in a calendar year
Domestic Lounge Access- 3 complimentary domestic airport lounge visits per quarter under the MasterCard Lounge Program
Benefits for Business- Special Benefits on Awfis, Experian, RedGirrafee & OLA, for seamless business experience
International Usage- Foreign Currency Mark up Fee of 1.75% only
YES Prosperity BUSINESS Card
Best suited for: Travel Dining Golf
Key Highlights
Activation Bonus – 10,000 bonus reward points on spending Rs. 1 lakh within the first 90 days
Special Benefits for Businesses- Special Benefits on Awfis, Experian, RedGirrafee & OLA for a seamless business experience
Low Forex Markup- Foreign Currency Markup Fee of 2.50 only%
Domestic Lounge Access- 2 complimentary domestic lounge access per quarter under MasterCard Lounge Programme
International Lounge Access- Get Priority Pass Membership and enjoy 3 complimentary international airport lounge access.
Other YES Bank Credit Cards
YES Prosperity Rewards Credit Card
Note: This card is not available on Paisabazaar.com. Kindly visit YES Bank website to apply.
Reward Points- Earn rewards on your card at the given rates:
- 1 reward point for every Rs. 100 spent on retail
- Double rewards on dining and online shopping
- 3 reward points per Rs. 100 on International transactions
Milestone Rewards- 10,000 bonus reward points on spending Rs. 1.8 Lakh in a year
Low Forex Mark-up- Preferential Foreign Currency Mark up Fee of 3.4%
Save More on Fuel- Fuel surcharge waived off across all fuel stations in India
YES Prosperity Cashback Credit Card
Note: This card is not available on Paisabazaar.com. Kindly visit YES Bank website to apply.
Joining Cash Back– Rs. 250 cashback on spending Rs. 2,500 within the first 30 days of card issuance
Fuel Surcharge Waiver- Fuel surcharge waiver at all fuel stations for transactions worth Rs. 400 to Rs. 5,000
Low Forex Mark-up- Preferential Foreign Currency Mark up of 3.4%
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 the Cashback credit card and comes with the following features-
Activation Bonus- Cashback of Rs. 250 on spending Rs. 2,500 within 30 days of card issuance
Cashback- 5% cashback on grocery shopping, movie ticket booking and bill payment
Save on Fuel Purchases– Fuel surcharge waived off at all fuel stations for transactions ranging from Rs. 400 and Rs. 5,000
Insurance- Rs. 1 Lakh Credit shield cover on accidental death of primary card member
American Express Cards sourced 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-
Annual Fee- First year fee – Rs. 5,000 + GST and from the second year onwards – Rs. 10,000 + GST
Welcome Gift- Welcome gift of 11,000 bonus Membership Rewards points
Rewards- 1 Membership Rewards® Point for every Rs. 50 spent across all categories except fuel, insurance, utilities and cash transactions
Travel Benefits- Additional benefits on making travel bookings with MakeMyTrip.com
Hotel Privileges– Privileges at major hospitality brands like Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts
Lounge Access- Complimentary Priority Pass Membership and access to the partner domestic and international lounges across the globe
Health Benefits from Partners- 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– First year fee – Rs. 3,500 + GST and from second year onwards – Rs. 5,000 + GST
Welcome Gift– Welcome gift of 5,000 bonus Milestone reward points redeemable against travel vouchers worth Rs. 4,000
Milestone Benefits– Travel vouchers worth Rs. 7,700 on spending Rs. 1.90 Lakhs in a year and travel vouchers worth Rs. 11,800 and additional 10,000 voucher from Taj Grou on spending Rs. 4 Lakhs in a year
Reward Earnings– 1 reward point for every Rs. 50 spent on Fuel, Utilities, Insurance and Cash Transactions
Travel Benefits– Benefits on travel bookings made form MakeMyTrip.com
Lounge Access– 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– First year – Rs. 1,000 + GST and from Second year – Rs. 4,500 plus taxes + GST
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– Up to Rs. 1,000 worth of movie tickets every month
Reward Points– 1 reward point for every Rs. 50 spent
Eligibility Criteria and Documents Required for YES Bank Credit Card
To be eligible for YES Bank credit cards, an applicant should be-
- Minimum Age – 18 years and Maximum Age – 60 years
- Salaried or self-employed
- Have a stable income
- Employed in 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 |
YES Bank Credit Card Rewards Programme
- 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 Credit Card | Reward Points | Bonus Rewards |
| YES FIRST Preferred Credit Card | 8 Reward Points per Rs. 100 | 20,000 Bonus Reward Points on achieving spends of Rs. 7.5 Lakh or more in each anniversary year |
| YES Prosperity Edge Credit Card | 3 Reward Points per Rs. 100 4 Reward Points per Rs. 100 on online spending 5 Reward Points per Rs. 100 on international spends | 15,000 Bonus Reward Points on achieving spends of Rs. 6 Lakh or more in each anniversary year |
| YES Prosperity Rewards Plus Credit Card | 2 Reward Points per Rs. 100 4 Reward Points per Rs. 100 on online, dining spending and international spends | 12,000 Bonus Reward Points on achieving spends of Rs. 3.6 Lakh or more in each anniversary year |
| YES FIRST BUSINESS Credit Card | 6 Reward Points per Rs. 100 9 Reward Points per Rs. 100 on dining and online spends | 20,000 Reward Points on achieving annual spends of Rs. 12 Lakh or more in each anniversary year |
| YES Prosperity BUSINESS Credit Card | 4 Reward Points per Rs. 100 6 Reward Points per Rs. 100 on dining and online spends | 10,000 Reward Points on annual spends of Rs. 6 Lakh or more in each anniversary year |
YES Bank Rewards Redemption
- YES Bank offers its credit card users a wide variety of vouchers and merchandise that can be redeemed using the accumulated reward points
- Reward points can also be converted to air miles for some credit cards
- The bank has a dedicated website for reward point redemption
- Users can find a handpicked catalogue of products against which their reward points can be redeemed
YES Bank Credit Card Customer Care
Cardholders can get in touch with the YES Bank credit card 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.
YES Bank Credit Card FAQs
What are the ways for YES Bank credit card bill payment?
You can pay the YES Bank credit card bill in the following ways:
- NEFT/IMPS
- Cash/Cheque/Demand Draft
- Internet Banking
- Standing Instruction
How can the YES Bank credit card PIN be changed?
To change your credit card PIN, you can login to YES Bank net banking account. Here, under the Credit Cards tab, you can find the option to change or generate PIN for your credit card.
How are reward points earned on YES Bank credit cards?
YES Bank reward points can be earned as per the following:
- 3 reward points per Rs. 100 spent on Groceries or Supermarket spends
- 2 reward points on every Rs. 100 spent on other categories
- 500 Reward points on every YES PayNow registration
