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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 12/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 12/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :12/04/2021

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हिंदी में पढ़े
Updated: 18-03-2021 09:17:29 AM

YES Bank provides a number of credit cards suiting the needs of individuals and businesses. YES Bank Credit Cards come with a variety of rewards and benefits across dining, entertainment, travel, golf and more. The business credit cards from YES Bank are designed to offer convenience to businesses in the form of travel, fuel, lounge access and concierge privileges.

YES Bank has broadly divided its credit cards into three categories- YES FIRST, YES Prosperity and YES Business. Here, we will talk about the best YES Bank Credit Cards from each category along with a view on which card you should get.

Best YES Bank Credit Cards in 2021

YES Bank Credit CardAnnual FeeMinimum Income*Best Suited ForInterested
YES FIRST PreferredNilRs. 24 lakh p.a.RewardsApply Now
YES Prosperity EdgeRs.1,199Rs. 7.2 lakh p.a.RewardsApply Now
YES Premia Credit CardRs. 1,599Rs. 1.2 lakh p.m.TravelApply Now
YES Prosperity Rewards PlusRs. 499Rs. 4.2 lakh p.a.RewardsApply Now
YES FIRST BUSINESS CardRs.4,999Rs. 9 lakh p.a.RewardsApply Now
YES Prosperity BUSINESS CardRs.2,499Rs. 4.8 lakh p.a.RewardsApply Now
YES Prosperity Rewards Credit CardRs. 299Rs. 25,000 p.m.RewardsApply Now
YES Prosperity Cashback Credit CardRs. 999Rs. 25,000 p.m.CashbackApply Now
YES Prosperity Cashback Plus Credit CardRs. 1,499Rs. 25,000 p.m.CashbackApply Now
YES Private Credit CardRs. 10,000Check with BankLifestyleApply Now
YES FIRST Exclusive Credit CardRs. 9,999Rs. 4 lakh p.m.TravelApply Now

* The minimum income shown is for salaried applicants only. Income and other eligibility criteria may differ for self-employed applicants.

YES Bank Credit Card Features & Benefits

YES Bank provides a lot of credit cards options that can cater to the needs of a modern customer. Their range of card includes, but not limited to, YES FIRST Preferred, YES Prosperity Edge, YES Premia Credit Card and YES Prosperity Rewards Plus Credit Card. Details of YES Bank credit cards are given below.

YES FIRST Preferred Credit Card

YES FIRST Preferred Credit Card

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Welcome Benefits – 10,000 Reward Points

Renewal Benefits – 7,500 Reward Points

Renewal Fee Waiver– Spend INR 4 Lakhs in a year and get a waiver on renewal membership fee for the subsequent year.

Lounge Access – Get Following Lounge Access:

  • Priority Pass Membership with 4 free yearly visits outside India
  • 3 Domestic Lounge visits per quarter

Milestone Benefit – 20,000 reward points upon spending Rs. 7.5 Lakh in a year

Movie Benefit – 25% off on movie tickets via BookMyShow

Rewards – Up to 16 reward points per Rs. 200 spent

Golf Benefits – 4 free rounds of green fees per year at select Golf courses in India along with 1 free Golf Lesson every month

Should you get this card?

YES FIRST Preferred Credit Card offers lots of privileges to cardholders and it may greatly suit you if:

  • You mostly travel domestically but sometimes go overseas
  • You want a zero annual fee card
  • You occasionally go to the cinemas
  • You like to play golf but do not wish to spend too much money on it

If the features offered on the card is not to your liking then you may consider these options:

Similar Rewards Credit Cards
HDFC Diners Club Black Credit CardSBI Card ELITE
Up to 6 complimentary golf games every quarter across premium golf courses globally
Know More About this Card		4 free green fees access and up to 50% off on golf games & 1 free lesson per month at select golf courses
Know More About this Card

YES Prosperity Edge Credit Card

YES Prosperity Edge Credit Card

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Rewards Program – Up to 8 reward points on every Rs. 200 spent. Earn 500 Reward points per YES PayNow registration. 4 Reward Point = Re. 1 / 1 Intermiles

Lounge Access – Free Priority Pass membership along with 2 free MasterCard domestic Lounge access per quarter

Insurance Coverage – Users can avail the following cover:

CategoryAmount
Air Accident CoverRs. 50 lakh
International Medical InsuranceUp to Rs. 15 lakh

Besides this, you also get credit shield under which you will not have to pay the outstanding amount on the credit card in the event of death (by accident only).

Fee Reversal – Fees and the associated reversal conditions are:

CategoryReversal Condition
First Year FeeSpend Rs. 15,000 within the first 90 days
Renewal FeeSpend Rs. 75,000 in an anniversary year

 Golf Benefits – 4 free rounds of green fees per year at select Golf courses in India along with 1 free Golf Lesson every month

Fuel Surcharge Waiver – Waiver on transactions between Rs. 400 and Rs. 5,000

Should you get this card?

YES Prosperity Edge Credit Card offers a lot of benefits at a nominal fee. You may consider applying for the card if:

  • You want to make automatic payments on the card
  • Earn over 7.2 lakh per annum
  • You want comprehensive insurance coverage including credit shield

If you are not satisfied with this card you may consider the following options:

Similar Credit Cards
SBI Card PRIMEHDFC Regalia Credit Card
Priority Pass Lounges: 4 visits p.a.
Visa/Mastercard Lounges: 8 visits p.a.
4 free Green Fees per year and 1 free golf lesson per month
Know More About this Card		Free Priority Pass Membership with 6 free visits, can be availed by add-on cardholder too
Low Foreign Currency Mark-up Fee of 2%
Know More About this Card

YES Premia Credit Card

YES Premia Credit Card

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Rewards Program – Up to 8 Reward Points per Rs. 200 spent . Earn 750 Reward Points per YES PayNow (standing instructions service) registration.

First Year Fee Reversal – Users must spend Rs. 25,000 within 90 days of card activation to get the benefit

Renewal Fee Waiver – Customers should spend Rs. 1,50,000 within 12 months prior to card renewal date

Lounge Access – Priority Pass Membership with 2 free visits internationally every year. Also get 2 free domestic lounge accesses every quarter via MasterCard.

Golf Offers – Waiver on green fee at select golf courses in India 4-times in a year and 1 free golf lesson every month.

Foreign Currency Mark-up fee – Low forex mark-up of 2.50% only.

Movie Benefit – 25% off on movie tickets when booking via BookMyShow.

Insurance Coverage – Credit Shield worth Rs. 2.5 lakhs in case of accidental death of primary cardholder.

Should you get this card?

YES Premia Credit Card is a premium credit card and packs a lot of benefits in it. This card will be a good suit for you if:

  • You frequently travel both overseas and domestically
  • You occasionally make payments via credit card when overseas
  • You can easily spend Rs. 1.5 lakh in a year (to avail renewal fee waiver)
  • You enjoy playing golf and can use the green fee waivers and free lessons

If you are not satisfied with this card you may consider the following options:

Similar Credit Cards
Citi Prestige Credit CardStandard Chartered Ultimate Credit Card
Up to 2 reward points per Rs. 100 spent.
4 free golf rounds & lessons per year.
Know More About this Card		5 reward points on every Rs. 150 spent.
2 free golf games per month in India.
Know More About this Card

YES Prosperity Rewards Plus

YES Prosperity Rewards Plus Credit Card

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Rewards Program – Up to 6 reward points per Rs. 200 spent. Also, earn 500 Reward points per YES PayNow (Standing Instructions) registration.

Spend Milestone Benefit – The spend milestone benefits are:

BenefitThe amount that needs to be spent
12,000 Bonus Reward PointsRs. 3.6 lakh
First Year Fee ReversalRs. 10,000 within 90 days of card issuance
Renewal Fee ReversalRs. 50,000 in an anniversary year

Fuel Surcharge Waiver – Waiver on fuel transactions between Rs. 400 and Rs. 5,000. The maximum waiver amount is Rs. 125.

Should you get this card?

YES Prosperity Rewards Plus is a basic rewards credit card, you may apply for the card if:

  • You want a low annual fee card
  • You earn over Rs. 4.2 lakh in a year
  • You can easily spend over Rs. 50,000 in a year to avail the renewal fee waiver
  • You need a rewards credit card that offers fuel surcharge waiver

If you are not satisfied with this card you may explore the following options:

Similar Rewards Credit Cards
Citi Rewards Credit CardICICI Coral Contactless Credit Card
Up to 10 Reward Points for every Rs. 125 spent
Read more about this card		2 PAYBACK Points per Rs. 100 spent
Read more about this card

YES FIRST BUSINESS Card

YES FIRST BUSINESS Card

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Joining Benefit – 20,000 reward points on 1st transaction within 30 days.

Lounge Access – Priority Pass Membership with 6 free international visits per year. 3 free domestic lounge visits per quarter.

Spend Milestone Benefit – 20,000 Reward Points on spending Rs. 12 lakh in a year.

Rewards Program – Up to16 Reward Points per Rs. 200 spent. Also earn 1,000 Reward Points per YES PayNow registration, standing instructions facility of YES Bank.

Golf Benefits – Waiver on green fees along with 1 free golf lesson per month at select courses.

Concierge Service – Use the service to make travel-related bookings, get restaurant referrals, movie tickets and so on.

Insurance Coverage – Get the following coverage:

CoverageAmount
Air Accident InsuranceRs. 1 crore
Overseas Medical InsuranceRs. 25 lakh
Credit ShieldRs. 5 lakh

Foreign Currency Mark-up Fee – 1.75% only.

Fuel Surcharge Waiver – Waiver across domestic fuel stations on transactions between Rs. 400 & Rs. 5,000.

Should you get this card?

YES FIRST BUSINESS Card is a great card to conduct your business transactions. You may apply for the card if:

  • Your annual income is Rs. 9 lakh or above
  • You require complimentary insurance cover
  • You want a low foreign currency mark-up fee card
  • You play golf and can use the green fee waivers on golf games

If you are not satisfied with this card you can explore other business credit cards like:

Similar Business Credit Cards
HDFC Business Regalia Credit CardICICI Bank Business Ascent Card
Priority Pass membership with 6 international free visits
Read more about this card		8 free airport & railway lounge access per year
Read more about this card

YES Prosperity BUSINESS Card

YES Prosperity BUSINESS Card

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Reward Points – Up to 8 reward points per Rs. 200 spent. Also, earn 1,000 Reward points per YES PayNow registration (Standing instruction facility).

Spend Milestone Benefit – 10,000 reward points on spending Rs. 6.00 lakh in an anniversary year.

Welcome Benefits – 10,000 reward points on the first transaction made within the first 30 days.

Renewal Benefits – 7,500 reward points on card renewal.

Lounge Access – Free Priority Pass Membership with 3 Free International lounge accesses. Also, get 2 free domestic lounges accesses via MasterCard Lounge Access Program.

Insurance – Get the following coverage:

CoverageAmount
Air Accident CoverRs. 50 lakh
Medical EmergenciesRs. 15 lakh
Credit ShieldOutstanding amount up to Rs. 2.5 lakh

 Golf Benefits – Waiver on green fees along with 1 free golf lesson per month at select courses.

Should you get this card?

YES Prosperity BUSINESS Card will be a good choice for you if:

  • Your annual income is Rs. 4.8 lakh or above
  • You require insurance coverage
  • You play golf and can use the green fee waivers and golf lessons

If you are not satisfied with this card you can explore other business credit cards like:

Similar Business Credit Cards
HDFC Business Regalia Credit CardHDFC Business MoneyBack Credit Card
Priority Pass membership with 6 international free visits
Read more about this card		5% Cashback on Telecom, Electricity, Tax, Railway, Hotels, Dining and Taxi spends.
Read more about this card

YES Prosperity Rewards Credit Card

YES Prosperity Rewards Credit Card

This card is not available on Paisabazaar’s Platform. To apply for this card, kindly contact the bank officials.

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Card Details

Spend Milestone Benefit – 10,000 reward points upon spending Rs. 1.8 lakh in a year.

First Year Fee Reversal – Users must spend Rs. 5,000 within 90 days of card activation to get the benefit

Renewal Fee Waiver – Customers should spend Rs. 25,000 in an anniversary year to avail this benefit

Reward Points – Up to 4 Reward Points per Rs. 200 spent.

Fuel Surcharge Waiver – Fuel surcharge waived across all fuel stations in India if transaction amount ranges between Rs. 400 & Rs. 5,000.

Should you get this card?

YES Prosperity Rewards Credit Card is a low fee rewards credit card that will suit you if:

  • You earn Rs. 25,000 or more per month
  • You are require a rewards credit card
  • You want to be able to convert reward points into airmiles (InterMile / Club Vistara Point)

You can consider the below-given alternatives as well.

Similar Rewards Credit Cards
HDFC Diners Club Rewardz Credit CardHSBC Smart Value Credit Card
Minimum 3 reward points per Rs. 150 spent
Read more about this card		3X rewards on online, dining and telecom categories
Read more about this card

YES Prosperity Cashback Credit Card

YES Prosperity Cashback Credit Card

This card is not available on Paisabazaar’s Platform. To apply for this card, kindly contact the bank officials.

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Card Details

Welcome Gift – Cashback of Rs. 250 upon spending Rs. 2,500 within the first 30 days, offer is not applicable on ATM withdrawals.

Cashback – 5% cashback on utility bills, grocery shopping, movie tickets etc. Minimum cashback of 0.5%.

Fuel Surcharge Waiver – Surcharge waived on transactions between Rs. 400 to Rs. 5,000 at all fuel stations in India.

Foreign Currency Markup – 3.40% only.

Should you get this card?

YES Prosperity Cashback Credit Card is a cashback card that provides at least 0.5% value back on all your purchases. You may apply for this card if:

  • You would prefer cashback over reward points
  • You earn Rs. 25,000 or more per month

If you are not satisfied by the privileges offered by this credit card you may apply for any one of the below-given alternatives:

Similar Cashback Credit Cards
Citi® Cash Back Credit CardHSBC Cashback Credit Card
Up to 5% cashback
Read more about this card		5% cashback on all online spends
Minimum 1% Cashback
Read more about this card

YES Prosperity Cashback Plus Credit Card

YES Prosperity Cashback Plus Credit Card

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Welcome Benefits – Rs. 250 cashback upon spending Rs. 2500 in the first 30 days.

Cashback – Up to 5% cashback. Minimum 0.75% cashback on all spends except fuel.

Fuel Surcharge Waiver – Surcharge waived on transactions between Rs. 400 to Rs. 5,000 at all fuel stations in India.

Credit Shield – Outstanding amount covered in case of death by accident of primary cardholder.

Should you get this card?

YES Prosperity Cashback Plus Credit Card is a cashback card that charges a fee of only Rs. 1,499 and provides at least 0.75% cashback. Consider applying for this card if:

  • You want a cashback credit card
  • You earn over Rs. 25,000 per month

If you are not satisfied by the privileges offered on this card, you may consider the following alternatives:

Similar Cashback Credit Cards
Standard Chartered Super Value Titanium Credit CardAmazon Pay ICICI Bank Credit Card
5% cashback on fuel spends up to Rs. 200 p.m.
Read more about this card		5% cashback on Amazon for PRIME Customers and 3% for non-Prime users
Read more about this card

YES Private Credit Card

YES Private Credit Card

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Welcome Benefit – 25,000 Reward points on your first transaction.

Chartered Plane Benefit – Up to a USD 1,000 off on a round-trip private air charter booking.

Resort Offers – Get hotel credit, daily breakfast, complimentary room upgrades and more at select hotels and Resorts.

Lounge Access – Get the following benefits at overseas lounges:

  • Free Lounge-Key membership for Primary and Add-on Cardholders
  • 10 free guest accesses per year
  • Access to business facilities

Get the following benefits at domestic lounges:

  • Unlimited access to both Primary and Add-on Cardholders
  • 10 free guest visits in a year

Airport Invitation Services – Get the following meet & Greet services at the airport:

Services that can be availed at the time of Departing
  • Private departure lounge with a personal shopper
  • Airline check-in and security procedures will be carried out in the lounge
  • Chauffeured car to take you to the aircraft
  • Choice of boarding the flight last or first
Services that can be availed upon Arrival
  • A chauffeured car will take you from the aircraft to the VIP suite
  • Private arrival lounge
  • Customs and immigration clearance will be carried out in the lounge
  • Luggage will be delivered in your private lounge

Cruise & Tours Benefits – Save USD 75 per person on all Avalon cruises. USD 250 or 5% savings per person on select Ker & Downey guided tours at worldwide destinations.

Car Rental Benefit – 15% Savings on Sixt Rent a Car.

Golf Privileges – Get the following privileges:

  • 3 rounds of free green fees in a quarter
  • 1 free guest green fee for a guest in a quarter
  • 3 free golf lessons in a quarter
  • TPC Golf Course Private Club access
  • Get The PGA Tour Player Experience with added benefits
  • Access to The Old White TPC At The Greenbrier, West Virginia

Movies & Events Benefits – Get the following privileges via BookMyShow:

  • Buy 1 and Get 1 Free Movie ticket. Get up to 4 such free tickets every month
  • 50% off on Event tickets that include experiences, events, plays and sports. Maximum discount offered is Rs. 1,000 per month

Health & Wellness Benefits – Get the following privileges:

  • Avail Medical Concierge services from the renowned Texas Medical Concierge
  • Get coverage for immediate family members & access to a Personal Health Advisor
  • Get Support in finding and organizing appointments with top experts
  • Get on-going medical support before, during and after treatment
  • Get special privileges on weekend getaways and wellness retreat packages at Aatmantan Wellness Resort

Rewards Program – 3 Reward points per Rs. 100 spent internationally. 2 Reward points per Rs. 100 spent domestically.

Milestone Spend Benefit – 10,000 Reward points on total retail spends of Rs. 10 lakhs in 1st 90 days of issuance.

Foreign Currency Mark Up Fee – 1.75% only.

Should you get this card?

YES Private is a super-premium credit card. It offers lots of benefits and privileges to the user. These privileges however come at a price. The joining fee of the card is Rs. 50,000 while the annual fee is Rs. 10,000. You may apply for this card if:

  • You can easily spend Rs. 25 lakh in a year
  • You travel a lot especially overseas
  • You live an ultra-luxurious lifestyle
  • You require a low foreign mark-up fee card

If you are not satisfied with this credit card and want to explore other option then consider these options:

Similar Super Premium Credit Cards
HDFC Infinia Credit CardICICI Bank Diamant Credit Card
No pre-assigned credit limit on the card
Read more about this card		Rent out private islands, jets, yachts
Read more about this card

YES FIRST Exclusive Credit Card

YES FIRST Exclusive Credit Card

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Welcome Benefit – 40,000 bonus reward points upon making first transaction within 90 days of card issuance.

Renewal Fee Waiver- Spend INR 6 Lakhs in a year and get a waiver on renewal membership fee for the subsequent year.

Renewal Benefit – 30,000 reward points are offered on renewal.

Rewards Program – Up to 24 reward points per Rs. 200 spent. Also earn 1,000 reward points per YES PayNow registration.

Lounge Access – Get Priority Pass Membership with unlimited access to international airport lounges. Also get unlimited access to domestic lounges. Lounge can be accessed by both primary & add-on card holder.

Golf Offers – Get 4 waivers on green fee at select golf courses in India. Also, get 1 free golf lesson every month.

Milestone Benefit – 25,000 bonus reward points upon spending Rs. 20 lakh in a year.

Movie Benefit – 25% discount on movie tickets booked via BookMyShow.

Insurance Coverage – Get the following coverage-

  • Air accident cover of Rs. 3 crore
  • Overseas emergency hospitalization cover of Rs. 50 lakh
  • Credit Shield, Outstanding amount is covered in case of accidental death of the primary cardholder

Concierge Service – Use the facility to make travel arrangements and much more.

Should you get this card?

YES FIRST Exclusive Credit Card is a premium credit card that offers lots of benefits and features that complement a luxurious lifestyle. Consider applying for the card if:

  • You earn over Rs. 4 lakh per month
  • You can easily pay the annual fee of Rs. 10,000
  • You frequently travel both domestically & internationally
  • You make frequent transactions in foreign currency

If you are not satisfied with these cards you may consider the following options:

Similar Credit Cards
HDFC Diners Club Black Credit CardCiti Prestige Credit Card
Free annual membership of Club Marriott, Zomato Gold, Amazon Prime, & more
Read more about this card		Unlimited visits to Priority Pass Lounges
Read more about this card
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YES Bank Credit Card Fee and Charges
YES Bank Credit Card Rewards Program
Eligibility Criteria and Documents Required for YES Bank Credit Card
How to Apply for YES Bank Credit Card Online?
YES Bank Credit Card Customer Care
YES Bank Credit Card FAQs
News Update: YES Bank Credit Card

YES Bank Credit Card Fee and Charges

Besides joining and annual fees, there are some common charges applicable to all YES Bank credit cards. Please see below for details.

CategoryAmount/Rate
Annual/Renewal FeeVaries from Card to Card
Extended Credit Interest-Free Credit PeriodUp to 50 days applicable only on retail purchases and if previous months’ outstanding balance is paid
Extended Credit ChargesUp to 3.5% p.m./ 42% p.a.
Extended Credit Minimum Amount Due5% of Total Outstanding Amount / Min. Rs. 200
Cash Advance limitUp to 30% of the credit limit
Cash Advance ChargesUp to 3.5% p.m./ 40.2% p.a.
Cash Advance Fee SBI or Other Domestic ATMs2.5% of transaction amount/Min. Rs. 300
Reward Redemption FeeRs. 100 per redemption request
Overlimit Fee2.5% of over-limit amount subject to a minimum of Rs. 500
Late Payment FeeStatement Balance:

  • Less than Rs. 100 – Nil
  • Between Rs. 100 & Rs. 500 – Rs. 100
  • Between Rs. 501 & Rs. 5,000– Rs. 400
  • Between Rs. 5,001 & Rs. 20,000– Rs. 500
  • Over Rs. 20,000 – Rs. 700
Foreign Currency Conversion ChargesVaries from Card to Card

YES Bank Credit Card Rewards Program

Eligible purchases on your YES Bank credit card will serve you reward point. You may redeem them against gift vouchers, branded merchandise, and so on.  The below-given table shows reward points offered on different credit cards.

YES Bank Credit CardReward PointsBonus Rewards
YES FIRST Preferred Credit Card8 Reward Points per Rs. 200 spent2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
YES Prosperity Edge Credit Card4 Reward Points per Rs. 200 spent2X rewards on Grocery Stores & Supermarkets, Department Stores and Dining spends
YES Prosperity Rewards Plus Credit Card4 Reward Points per Rs. 200 spent1.5X rewards on Grocery Stores & Supermarkets
YES FIRST BUSINESS Credit Card8 Reward Points per Rs. 200 spent2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
YES Prosperity BUSINESS Credit Card4 Reward Points per Rs. 200 spent2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
YES First Exclusive Credit Card12 Points per Rs. 200 spent2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
YES Prosperity Rewards Credit Card2 Reward Points per Rs. 200 spent2X rewards on Grocery Stores & Supermarkets
YES Private Credit Card2 Reward points per Rs. 100 spent domestically3 Reward points per Rs. 100 spent Internationally
Know More about YES Bank Credit Card Rewards Catalogue

Eligibility Criteria and Documents Required for YES Bank Credit Card

To be eligible for YES Bank Credit Cards, you must have a good credit score (preferably over 750) and meet the basic eligibility criteria set by the bank provided below.

CriteriaDetails
OccupationCan be applied for by Salaried & Self Employed individuals
Minimum IncomeVaries from card to card
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here to see the list of acceptable documents

How to Apply for YES Bank Credit Card Online?

You can apply for YES Bank credit cards via Paisabazaar.com. To do this follow the steps given below.

  • Click here to start your card application process
  • Enter the requested details
  • You can now see all the cards you are eligible for
  • Filter out YES Bank credit cards by selecting the bank
  • Select the credit card of choice and fill the detailed application form
  • Submit the form

A bank’s representative will call you to set date and time for document collection. Once your application is approved, you will get the card delivered to you in about 15 business days.

If you are not able to find your preferred YES Bank credit card on our website, you may apply for it via YES Bank’s official website or by visiting their branch.

YES Bank Credit Card Customer Care

You can get in touch with the YES Bank credit card customer cell care via call, email or SMS. The details are:

Category Number
The toll-Free number for customers calling from India1800 103 1212
The number for customers calling from outside India+91 22 4935 0000
Know More

YES Bank Credit Card FAQs

I want to apply for a YES Bank credit card. Which one will best suit me?
YES Bank offers a variety of credit cards which cater to frequent travellers, shoppers, and so on. We suggest that you first figure out what type of spender you are. If you frequently travel then perhaps a travel card will best suit your needs. However, if you like shopping then a card that provides reward points or cashback will be the best option.

What are the ways for YES Bank credit card bill payment?
You can pay the YES Bank credit card bill via NEFT/IMPS, Cash/Cheque/Demand Draft, Net Banking and so on.

How can I generate YES Bank credit card PIN?
To generate your credit card PIN, login to YES Bank net banking account or visit the nearest YES Bank ATM, detailed steps can be found here.

How can I earn reward points on YES Bank credit cards?
Depending on the card YES Bank credit card you can earn reward points on almost all categories. Certain purchases will be rewarded with accelerated bonus points. However, most YES Bank cards do not reward fuel spends. Also, you will earn reward points on YES PayNow registration, standing instruction facility of YES Bank.

What should I do if I notice an unauthorized transaction on my YES Bank credit card?
You should immediately contact the YES Bank credit card customer care cell and get the card blocked. This will stop any further misuse of the card.

Can I use my YES Bank credit card internationally?
Yes, you can use your YES Bank credit card internationally. Note you will be liable to pay a foreign transaction fee on all international purchases.

How can I check the status of my YES Bank credit card application status?
You can easily check your YES Bank credit card application status by visiting the YES Bank Credit Card Application Status page, click here for the same. For detailed instructions on how to check the status click here.

News Update: YES Bank Credit Card

YES Bank launches Wellness Credit Card in partnership with Aditya Birla Wellness Private Limited
14th January 2021

YES Bank in partnership with Aditya Birla Wellness Private Limited has launched YES BANK Wellness’ and ‘YES BANK Wellness Plus’ Credit Cards- aimed at the holistic health, self-care and wellness of customers. The users can avail the complimentary health benefits by simply registering on the Aditya Birla Multiply App. YES Bank Wellness and YES Bank Wellness Plus Credit Card will be available at an annual fee of Rs. 1,999 and Rs. 2,999 respectively. With the Wellness variant, the cardholders will get 20 Reward Points per Rs. 200 on Pharmacy spends and 4 Reward Points on other spends, while with the Wellness Plus variant, they will get 30 Reward Points per Rs. 200 on Pharmacy spends and 6 Reward Points on other spends. Other complimentary benefits include Complimentary Gym, Yoga, and Zumba sessions at partner centers, Access to virtual workout sessions, Unlimited Doctor consultations on call, Diet Plans according to your goals etc.

Yes Bank Credit Card
(4.9/5 ) 172 Reviews
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Jun 22, 2019
5/5
Rewarding scheme

Thank you to the executives at Paisabazaar who helped me find such a rewarding scheme.

Jun 22, 2019
5/5
Expenses

All my expenses are managed these days with the help of my Yes bank credit card.

Jun 22, 2019
4/5
No additional fee

These guys delivered my Yes bank credit card in just 2 business days at no additional fee.

Jun 17, 2019
5/5
Unmatchable

The discounts, offers and cashbacks I am getting with Yes Bank, are simply unmatchable.

Jun 17, 2019
5/5
Bank of the recent generation

Yes bank is bank of the recent generation. They have outcasted many already established banks.

Jun 17, 2019
5/5
Favorite banking partner

Paisabazaar has always been my favorite banking partner. They come up with great schemes on credit cards. I got mine from them.

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