Incorporated in November 2003, Yes Bank is one of the key players in the Indian banking sector, and is popular for its great products and services. The Bank provides a diverse range of products & services across various segments to its customer and stakeholders, and the credit card services that are offered by the bank are trusted by thousands of people in the country. Also, the bank conducts its operations across multiple banking verticals for its customers such as retail banking services, investment banking solutions, corporate finance facilities, financial risk services, treasury services, and much more.
As per the Reserve Bank’s data, Yes Bank’s outstanding credit card at the end of February 2022 stood at 11,44,367 with the value of transactions standing at over Rs 511.89 crore. The bank’s board is keen on doubling its market share in the coming years. Following are the best credit cards offered by Yes Bank that will help you know more about the same.
List of Best Yes Bank Credit Cards in India
As the YES Bank offers several credit cards providing benefits in different categories, it might be a bit confusing for the customers to go through each and every benefit and feature of every card and choose as per their requirements. Keeping this in mind, we have come up with this article containing the list of the best YES Bank Credit Cards in India. Also, you can check their detailed features & benefits along with all other necessary information. Keep reading for more details:
- Yes Private/Private Prime Credit Card
- Yes Bank First Exclusive Credit Card
- YES First Preferred Credit Card
- YES Premia Credit Card
- YES Bank Wellness Plus Credit Card
- Yes Bank Wellness Credit Card
- YES Prosperity Cashback Plus Credit Card
- YES Prosperity Rewards Plus Credit Card
- YES Prosperity Rewards Credit Card
- YES Prosperity Edge Credit Card
Upon successful first transaction made using this credit card, you will get up to 25,000 Reward Points.
24 Reward Points for every Rs. 200 spent on international spends, 16 Reward Points for every Rs. 200 spent on domestic spends.
Rs. 50,000 (plus applicable taxes) for Yes Private Credit Card, Rs. 20,000 (plus applicable taxes) for Yes Private Prime Credit Card
6 Reward Points for every Rs. 200 spent on Selected category, 12 Reward Points on every Rs. 200 spent on all other transactions and 1000 Reward Points on every YES PayNow registration.
Rs. 999 + taxes
12 Reward Points on every Rs. 200 on Travel and Dining spends. 6 Reward Points per Rs. 200 you spend. 3 Reward Points per Rs. 200 you spend on tax payments, postal services, bus lines, government services, etc.
Rs. 999 (plus applicable taxes)
On every retail spend of Rs. 200, cardholders will get Reward Points, and 2 Reward Points on every Rs. 100 spent on tax payments, utilities, postal services, etc.
Rs. 399 (plus applicable taxes)
4 Reward Points on every Rs. 200 spent on all categories except select categories, 2 Reward Points on every Rs. 200 spent on select categories and 500 Reward Points on each Yes PayNow registration.
Rs. 399 (plus applicable taxes)
YES Credit Cards Features & Benefits
All the credit cards issued by YES Bank offer several exciting features and benefits in different categories. Different cards can have different advantages, but the following are some of the general benefits that you can get with most of the cards offered by the YES Bank:
- Welcome Benefits: The cardholders get the welcome benefits when they join a YES Bank Credit Card membership. The welcome benefits can be bonus Reward Points, complimentary gift vouchers, or several other types. Generally, the cardholders need to pay the joining fee on time in order to avail the welcome benefits.
- Reward Points/Cashback: Almost all credit cards nowadays offer some or the other types of rewards to the customers. The same is the case with YES Credit Cards. You get rewarded in the form of Reward Points/Cashback on almost all your speeds using a Credit Card by YES Bank.
- Milestone Benefits: As suggested by the name, milestone benefits are offered when the cardholder achieves a pre-specified spend milestone within a given time period. The milestone benefits can also be of different types with different cards.
- Travel Benefits: Many credit cards are targeted at frequent travelers and offer several exclusive benefits to fulfill their requirements. Travel benefits offered by the YES Bank Cards include complimentary lounge access, discount offers on hotel/flight bookings, and many more.
- Other Benefits: The other benefits that may be offered with YES Bank Credit Cards include entertainment benefits, discount offers on dining, fuel surcharge waiver, health and wellness benefits, spend-based waiver of annual fee, and many more.
Top 8 Yes Bank Credit Cards in India
The following is the list of best Credit Cards offered by the YES Bank in India. Ranging from premium to basic category, you can find various types of credit cards that will be best suited for different people with different spending habits and requirements:
Yes Private Credit Card
Yes Bank’s most premium offering Yes Private credit card is an invite-only card issued only to the high-end customers of the bank. With this card, you get 3 reward points for every Rs. 100 spent on international transactions and 2 reward points on every Rs. 100 spent on domestic spends. Furthermore, you enjoy several value-added benefits and privileges with this card such as unlimited lounge access, special offers on hotel bookings, golf privileges, insurance benefits. You get a charged joining fee of Rs 50,000. Also, you get charged a relatively low-interest rate of 1.2% per month on this card.
Yes Private Prime Credit Card
The card is an ultra-premium offering by the Yes Bank. This invite-only card comes packed with a wide array of rewards and benefits for its elite customers. With this card, you get upto 3 reward points on every Rs. 100 spent on global spends, 2 RPs on every Rs. 100 spent on domestic spends. Moreover, you also get premium benefits and privileges like unlimited lounge access, special offers on hotel bookings, golf privileges, insurance benefits, etc. You get a charged joining fee of Rs 50,000. Besides that, just like Yes Private credit card, you get charged a relatively low interest rate.
Yes First Exclusive Credit Card
The card is also a premium offering by Yes Bank. One of the key features of the card is the interest rate charged. You get charged with an interest rate of 1.99% per month. The card comes with a nominal fee of Rs 10,000 when compared to the best-in-class benefits and privileges offered on this credit card. With this card, you get 6 Reward Points for every Rs. 200 spent on the Select category and 12 Reward Points for every Rs. 200 spent on all purchases except the Select category.
Yes First Preferred Credit Card
With this credit card, you get exclusive rewards and benefits on your spendings. The card is a semi-premium card offered by Yes Bank. Furthermore, Y0u gets 8 reward points for every Rs. 200 on most of the categories and 4 Reward Points on utilities, groceries, tax payments, insurance sales, and some other categories, etc. Along with this, you also get to enjoy 2 free domestic lounge visits (per quarter) and 4 complimentary international lounge visits (every year).
Yes Premia Credit Card
Yes Premia credit card is another semi-premium offering by the Yes Bank. The card carries an annual fee of Rs 1600. Moreover, with this card, you get 6 Reward Points for every retail spend of Rs. 200 and 3 Reward Points for every Rs. 200 spent on tax payments, utilities, transportation, government services, postal services, etc. You get 1 free domestic lounge access every quarter and 2 international lounge access with Priority Pass on this credit card.
Wellness Plus Credit Card
Wellness Plus credit card is a card offered by Yes Bank in co-partnership with Aditiya Birla Multiply app. Get exclusive rewards and benefits on your health and wellness spending with this card. You get 6 reward points per Rs. 200 you spend, 30 Reward Points per Rs. 200 you spend on chemist/pharmaceutical stores. In addition to this, you get 8 complimentary access to domestic lounges (every year). Also, you get a life insurance cover worth Rs 1 crore.
Yes Prosperity Edge Credit Card
With this credit card, you enjoy special access to various reward programs and exclusive benefits. This card offered by Yes Bank comes with a nominal annual fee of Rs 1200. Furthermore, you get 4 Reward Points on every Rs. 200 spent on all categories except select categories and 2 Reward Points on every Rs. 200 spent on select categories. Also, you get 1 complimentary domestic lounge access per calendar quarter subject to 2 visits per quarter. Besides that, you get insurance benefits worth Rs 50 lakhs with this credit card.
Yes Prosperity Cashback Plus Credit Card
This card is offered by the Yes Bank provides its customers with exclusive cashback on their spending. With this card, get up to You get a cashback of 0.75% on all your retail purchases (except on fuel) 5% cashback on movie ticket bookings, grocery purchases, and utility bill payments.
Yes Bank Credit Card Rewards and Cashback
As mentioned earlier, all the YES Bank Credit Cards offer reward points or cashback on almost all the spends you make with your credit card. Some of the cards may offer Reward Points, others offer cashback, and some of them even offer both. Moreover, the reward rate may vary for different credit cards. Generally, the premium cards having a higher annual fee, offer a higher reward rate as compared to the cards having a lower annual fee. Moreover, the reward/cashback rate can also be different in different categories. The following table will help you to understand the reward rate on the Top Yes Bank Credit Cards:
|Credit Card||Reward Point and Cashback|
|Yes Private Credit Card||3 Reward Points per Rs. 100 on international spends and 2 Reward Points per Rs. 100 on domestic spends|
|Yes Private Prime Credit Card||3 Reward Points per Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends|
|Yes First Exclusive Credit Card||6 Reward Points for every Rs. 200 spent on the Select category and 12 Reward Points for every Rs. 200 spent on all purchases except the Select category.|
|Yes First Preferred Credit Card||8 reward points for every Rs. 200 on most of the categories and 4 Reward Points on utilities, groceries, tax payments, insurance sales, and some other categories, etc|
|Yes Premia Credit Card||6 Reward Points for every retail spend of Rs. 200 and 3 Reward Points for every Rs. 200 spent on tax payments, utilities, transportation, government services, postal services, etc|
|Wellness Plus Credit Card||6 Reward Points on every Rs. 200 you spend, 30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores|
|Yes Prosperity Edge Credit Card||4 Reward Points on every Rs. 200 spent on all categories except select categories and 2 Reward Points on every Rs. 200 spent on select categories|
|Yes Prosperity Cashback Plus Credit Card||Cashback of 0.75% on all your retail purchases (except on fuel) 5% cashback on movie ticket bookings, grocery purchases, and utility bill payments.|
Earning Rewards on your credit card is only beneficial when you are aware of how to redeem the YES Bank Credit Card Reward Points and you know how you can get the most out of these rewards. The Reward Points you earn with a YES Credit Card can be redeemed on the YES Rewardz portal, where you can choose any of the given options to redeem your rewards. You can also check the value of Reward Points on the portal and then go for an option that seems to be the most profitable to you:
|Credit Cards||Reward Redemption|
|Yes Bank Private Credit Card/ Private Prime Credit Card||1 Reward Point = Rs 1|
Yes First Exclusive Credit Card,
Yes First Preferred Credit Card,
Yes Premia Credit Card,
Wellness Plus Credit Card,
Yes Prosperity Edge Credit Card
1 Reward Point = Rs 0.25 on Hotel/Flight bookings
1 Reward Point = Rs 0.10 on for redemption against gift vouchers, product catalog, etc.
|Yes Prosperity Cashback Plus Credit Card||
0.75% cashback on all your retail purchases (except on fuel).
5% cashback on movie ticket bookings for a minimum transaction of Rs. 100.
5% cashback on grocery purchases for a minimum transaction of Rs. 500.
5% cashback on paying utility bills through YES PayNow
Also Check: How To Redeem YES Bank Credit Card Reward Points
Every YES Bank Credit Card has some eligibility criteria that are mandatory for the applicants to get approved for a particular card. Such criteria depend on several factors like the applicant’s age, income, residential status, credit score, etc. A basic eligibility criteria required for the YES Credit Cards are mentioned in the table below:
- The age requirements are almost the same for all YES Bank Credit Cards. Age of the applicant should be between 21 years & 60 years to apply for a YES Credit Card.
- The income requirements may vary on the card to card basis. For premium cards, you will need to have a higher income compared to that for the basic cards.
- The applicant should have a decent credit score.
Know more about YES Bank Credit Cards Eligibility Criteria.
You will need to submit/upload a few documents while applying for a YES Bank Credit Card. These documents include identity proof, address proof, and proof of the applicant’s income. Following is the detailed list of documents that you must have:
|Proof of Identity||Proof of Address||Proof of Income|
YES Bank Credit Cards Annual Fee
When choosing a credit card, one of the most important factors that every person look for is the annual fee that the card carries. And to compare various credit cards on the basis of the fee, you should be aware of their annual fee and the condition to get them waived off (if possible). To help you out with the same, we have mentioned the annual fee and the fee waiver condition of all the best YES Credit Cards below:
|Credit Card||Joining Fees||Renewal Fees||Spend-Based Waiver|
|Yes Private Credit Card||Rs. 50,000 + GST||Rs. 10,000 + GST||Renewal fee waived off on spends of Rs. 25,00,000 in the previous year|
|Yes Private Prime Credit Card||Rs. 20,000 + GST||Rs. 10,000 + GST||Renewal fee waived off on spends of Rs. 20,00,000 in the previous year|
|Yes First Exclusive Credit Card||Rs. 9,999 + GST||Rs. 9,999 + GST||Renewal fee waived if Rs. 6 lakh were spent in the previous year|
|Yes First Preferred Credit Card||Rs. 2500 + GST||Rs. 2500 + GST||The renewal fee is waived off on a spend of more than 4 lakhs in the previous year|
|Yes Premia Credit Card||Rs. 1,599 + GST||Rs. 1,599 + GST||Joining fee waived off on spending over Rs. 25,000 within the first 90 days of the card issuance and the renewal fee are waived off on spending Rs. 1.5 lakhs or more in the previous year.|
|Wellness Plus Credit Card||Rs. 2,999 + GST||Rs. 2,999 + GST||NA|
|Yes Prosperity Edge Credit Card||Rs. 1,199 + GST||Rs. 1,199 + GST||Joining fee waiver on spending Rs. 15,000 or more within 90 days of the card issuance and the renewal fee is waived off on a spend of Rs. 75,000 or more in the previous year|
|Yes Prosperity Cashback Plus Credit Card||Rs 1499 + GST||Rs 1499 + GST||NA|
Other Fees & Charges
Apart from the annual fee, various fees and charges are associated with a credit card. These charges include the interest rate, cash advance fee, foreign currency markup fee, over-limit fee, late payment charges, and many more. Some most important fees & charges which are applicable on the YES Bank Credit Cards are as follows:
|Interest Charges on Revolving Credit||– 1.2% to 1.99% for YES Private/Private Prime Credit Card – 1.99% per month on YES First Exclusive Card.– 3.5% per month on all other cards.|
|Cash Advance Fee||– 2.5% of the transaction amount subject to a minimum of Rs. 300. – Nil for YES Private Credit Card|
|Foreign Currency Markup Fee||1.75% on YES Private, YES First Exclusive, and YES First Preferred Credit Card. – 2.5% on YES Premia, – 3.4% to 3.5% on all other cards.|
How to Apply for a Yes Bank Credit Card?
To provide its customers with more flexibility, YES Bank allows them to go for any method to apply for a credit card, these are offline and online methods. If you want to apply offline, then you can simply visit your nearest Yes Bank branch along with the documents as mentioned earlier and apply for the card that you want. However, if you want to apply with an online method, you need to follow the below-mentioed steps:
- To apply via net banking, visit yesbank.in.
- Click on the option “Apply for a new credit card”
- Choose the card you wish to apply for, fill in all the required details and satisfy all other formalities.
YES Bank Credit Cards Application Status
If you have already applied for any Yes Bank card and want to check the status of your card/application, then you can do so by following the methods given below:
- Easily check your credit card application status via YES Bank’s official application tracking page just by entering a few required details.
- Another way to check your card’s application status from the comfort of your home is to contact the YES Bank Credit Card customer care and request them about the same.
- If you don’t prefer online methods, you can track your application status by visiting your nearest YES Bank branch.
Check detailed steps for YES Bank Credit Card application status tracking here.
How To Activate YES Bank Credit Cards?
Once your application gets approved and your receive your YES Bank Credit Card, the first thing you will be required to do is to activate your card. Following are different ways by which you can get your card activated:
- You can easily activate your credit card via a YES Bank ATM nearest to you. Just visit the ATM and find an option to generate a credit card PIN from the main menu.
- Another method to get your YES Credit Card activated is via the internet banking. Just register/login to your internet banking account and look for an option to activate your card there.
- If none of the above methods work for you, you can reach to your credit card customer care or visit your nearest branch. The bank officials will surely help you activate your card.
YES Bank Credit Cards Login/Netbanking
To avail of the internet banking facilities on our credit card, you will first need to register your card for the same. If you want to register your Yes Card for internet banking, you can follow the steps given below:
- Visit the YES Bank’s official website.
- Click on ‘Login’ and then on the option ‘Get Started’ under Credit Cards.
- Now, click on the option ‘Register Using Credit Card.’
- Enter all the required details of your card and proceed further accordingly.
Know more about YES Bank Credit Cards net banking/login.
YES Bank Credit Card Customer Care
The YES Bank also provides its cardholders with an excellent customer support and various ways to contact the YES Bank customer care. Following are a few ways to contact YES Bank Credit Card customer care in case of any doubts/queries/complaints:
- The YES Bank cardholders can contact the customer via call on the 24*7 toll-free number 1800 103 1212.
- The cardholders can also contact via email by dropping a mail at [email protected]
- Another way to get your queries solved is to visit your nearest branch and inquire the bank officials regarding the same.
How To Compare YES Credit Cards & Choose The Best One?
Deciding the right credit card for yourself is not as easy as it seems to be. It takes really good research and some wise decisions. Firstly, you need to analyze your spending habits, i.e, understand what are the categories where you generally spend the most. Your next step should be to look for the features and benefits of all the YES Bank Cards available in the market and filter out the ones that suit your requirements. Once you have filtered out some of the best cards, you should compare them on the basis of different factors including annual fees, reward programs, other benefits, etc, and go with the one that appears to suit you the most with the least annual fee and other charges. However, people who want to have a premium card with a higher annual fee can try getting the YES Private, YES Premia Credit Card, etc.
Best Lifetime Free Credit Cards Offered By YES Bank
As of now, the YES Bank doesn’t offer any lifetime free credit card, but there are a few exclusive cards that come with a low annual fee and offer several exciting benefits. If you are someone who wants to have a YES Bank Credit Card with minimum charges, you can look for any one of these cards: YES Prosperity Rewards Credit Card (annual fee – Rs. 299), YES Prosperity Rewards Plus (annual fee – Rs. 399), or YES Prosperity Edge Credit Card (annual fee – Rs. 399).
Also, you can check the following pages for more information about YES Bank Credit Cards and their usage.
You are not charged with any reward redemption fee on Yes Private credit card and Yes Private Prime credit card. You are charged a reward redemption fee of Rs. 100 per redemption on all other Yes Bank credit cards.
If you have lost your Yes Bank Credit Card, you should report it as soon as possible to the YES TOUCH customer care number at 1800 103 1212 (Toll-Free for mobiles in India) and +91 22 4935 0000 (outside India). You can also get your card blocked immediately by sending ‘SMS BLKCC <last 4 digits of your credit card number>’ to 9840909000 to keep yourself safe from any fraudulent transactions.
Yes, the following YES Bank Credit Cards have a forex markup fee of 3% or less. Yes Premia, Yes Prosperity Business, and Yes Premia issued against FD – 2.5% on all foreign currency spends. Yes Prosperity Edge – 3% on all foreign currency transactions.
Yes, there are some YES Bank credit cards that can be issued to customers against a fixed deposit even without any income proof. A few of which are:
Yes Prosperity Rewards Plus Credit Card can be issued against a fixed deposit of Rs. 30,000. Yes Premia Credit Card: can be issued against a fixed deposit of Rs. 2 lakhs. Yes First Preferred Credit Card – can be issued against an FD of Rs. 3 lakhs.
Out of the 8 Yes Bank credit cards mentioned above, 6 cards provide international airport lounge access every year other than the Wellness Plus Credit Card & YES Prosperity Cashback Plus credit card.
No, the Yes Bank does not charge any add-on card fee for any credit card issued by them.
The cardholders get an interest-free period of up to 50 days. However, the interest-free period is not applicable in case the previous month’s statement balance is not cleared in full.