Yes Bank Credit Cards

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:

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Reward Redemption

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:

Also Check: How To Redeem YES Bank Credit Card Reward Points

Eligibility Criteria

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.

Documents Required

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:

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:

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:

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.

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