YES Bank Credit Card

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	Nil	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	Nil	Spend Rs. 3 Lakh within 90 days of card activation and get 20,000 reward points
YES Prosperity BUSINESS Card	Nil	Get Priority Pass Membership and enjoy 3 complimentary international airport lounge access in a year.

Note: Features may change without prior information.

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 Lakh 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 selected golf courses across India.
  • Enjoy upto 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 Lakh 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 equal to 1 JPMile.
• Rs 1 Lakh Credit Shield cover on accidental death of Primary Card member.

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 Lakh 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 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).

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-

• 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

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

With this credit card, users can get cash back 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 Paisabazaar.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%.

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

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	PAN Card Aadhaar Card Voter’s ID Card Passport Driving Licence Any other government approved photo ID
Proof of Address	Aadhaar Card Passport Utility bills (not more than 3 months old) Any other government approved ID
Proof of Income	Bank statement for the last 3 months Salary slips for the last 3 months Audited financials for the last two years (for self-employed) Form 16

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 Credit Card	Reward Points	Bonus Rewards
YES FIRST Preferred	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	3 Reward Points per Rs.100 4 Reward Points per Rs.100 for 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	2 Reward Points per Rs.100 4 Reward Points per Rs.100 for online & dining spending 4 Reward Points per Rs.100 on international spends	12,000 Bonus Reward Points on achieving spends of Rs. 3.6 Lakh or more in each anniversary year
YES FIRST BUSINESS 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 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 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