By Ankur Mittal
Updated On September 21, 2021

Incorporated in November 2003, Yes Bank is one of the key players in the Indian banking sector, with a market capitalization of Rs 31945 crores as it stands. Yes Bank was founded by veteran bankers Rana Kapoor and Ashok Kapur, and the bank got listed with the stock exchanges after the public issue in the year 2005. The Bank provides a diverse range of products and services across various segments to its customer and stakeholders, with its banking operations spread over 1000 branches and 1800 ATMs covering all major cities in India. 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. In recent years, the bank’s journey has been full of ups and downs. In March 2020, RBI imposed a 30-day moratorium over YES Banks’ operations by overriding the bank’s board of directors due to an increase in the number of non-performing assets. Eventually, the bank got over its constraints after SBI took over a 49 percent stake in the shareholding of the bank.

As per the Reserve Bank’s data, Yes Bank’s outstanding credit card at the end of May 2021 stood at 9,67,351, with the value of transactions standing at Rs 511.89 crore. The bank’s board is keen on doubling its market share in the coming years. To know more about the credit card offerings by the Yes Bank, read below given some of the best credit cards from its portfolio

Invite Only

Welcome Benefits

25,000 Reward Points on the first transaction

Rewards Rate

3 Reward Points per Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends.

Best Suited For

Travel | Shopping |

Movie & Dining

Buy One Get One offer on movie ticket bookings on BookMyShow (up to 4 free tickets per month)

Reward Redemption

Reward Points redeemable on the YesRewardz portal for flight/hotel/movie ticket bookings and for purchases from the bank’s exclusive catalogue of products.

Joining Fees

Rs. 50,000 + GST

Product Details

  • Welcome gift of 25,000 Reward Points on the first transaction with the card.
  • Milestone benefit of 10,000 Reward Points on total spends of Rs. 10 lakh in the first 90 days of card issuance.
  • 3 Reward Points per Rs. 100 on international spends.
  • 2 Reward Points per Rs. 100 on domestic spends.
  • Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.99% for others.
  • Lower mark-up fee of 1.75% on all foreign currency transactions.
  • Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
  • Complimentary Lounge Key membership for both primary and add-on card members.
  • Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
  • Air travel-related insurance benefits including an accidental death cover worth Rs. 5 crores.
  • Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
  • Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
  • 12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
  • Complimentary wellness and medical benefits.
  • Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

See additional details for Yes Private Credit Card

Invite Only

Welcome Benefits

10,000 Reward Points on first transaction within 90 days of card setup.

Rewards Rate

3 Reward Points per Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends.

Best Suited For

Travel | Shopping |

Movie & Dining

Buy One Get One offer on movie ticket bookings on BookMyShow (up to 4 free tickets per month with a max cap of Rs. 250 per ticket)

Reward Redemption

Reward Points redeemable on the YesRewardz portal for flight/hotel/movie ticket bookings and for purchases from the bank’s exclusive catalogue of products.

Joining Fees

Rs. 20,000 + GST

Product Details

  • Welcome gift of 10,000 Reward Points on the first transaction within 90 days of the card set-up date.
  • 3 Reward Points per Rs. 100 on international spends.
  • 2 Reward Points per Rs. 100 on domestic spends.
  • Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.99% for others.
  • Lower mark-up fee of 1.75% on all foreign currency transactions.
  • Unlimited domestic lounge visits for primary and add-on cardholders (4 complimentary guest visits per year).
  • Complimentary Lounge Key membership for both primary and add-on card members.
  • Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
  • Air travel-related insurance benefits including an accidental death cover worth Rs. 1 crore.
  • Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
  • Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
  • 12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
  • Complimentary wellness and medical benefits.
  • Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

See additional details for Yes Private Prime Credit Card

Welcome Benefits

40,000 Reward Points on first transaction done within 90 days of card set up date.

Rewards Rate

6 Reward Points for every Rs. 200 spent on Select category, 12 Reward Points for every Rs. 200 spent on all purchases except from the Select category and 1000 Reward Points on each Yes PayNow registration.

Best Suited For

Travel | Shopping |

Movie & Dining

25% discount of movie tickets booked on BookMyShow (with a cap of Rs. 250 per month) and dining offers in select cities on the Yes Privilages portal.

Reward Redemption

Reward Points redeemable on the YesRewardz portal for flight/hotel/movie tickets booking and for purchases from the bank’s exclusive catalogue of products. Reward Points can also be redeemed against AirMIles (10 Reward Points = 1 InterMile / 1 Club Vistara Point).

Joining Fees

Rs. 9,999 (plus applicable taxes)

Product Details

  • 40,000 Reward Points on the first transaction done within 90 days of card issuance.
  • 30,000 Reward Points each time the card membership is renewed.
  • Milestone benefits like 25,000 bonus Reward Points.
  • 12 Reward Points for every Rs. 200 spent on all transactions except for transactions under the Select category (details of the Select category described later).
  • 6 Reward Points for every Rs. 200 spent on all transactions under the Select category.
  • 1,000 Reward Points on each Yes PayNow registration.
  • 24×7 concierge service.
  • Complimentary rounds of golf under the MasterCardWorld Golf program.
  • Movie tickets at discounted rates on BookMyShow.
  • 3 complimentary domestic airport lounge access per quarter.
  • Unlimited complimentary lounge visits outside India with Priority Pass membership.
  • Low APR (1.99% p.m.) and low foreign currency markup (1.75%).
  • Life insurance cover worth Rs. 3 crore in case of death due to air accident.

See additional details for Yes Bank First Exclusive Credit Card

Welcome Benefits

10,000 Reward points on the first transaction if done within 90 days.

Rewards Rate

8 reward points on every spend of Rs. 200

Best Suited For

Shopping |

Movie & Dining

A discount of 25% discount on movies on booking through BookMyShow

Reward Redemption

1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Joining Fees

Rs. 2500 (plus applicable taxes)

Product Details

  • 10,000 Reward Points on your first transaction if done within the first 90 days after receiving the card.
  • 2 complimentary domestic lounge access every quarter and 4 complimentary international lounge access every year.
  • A bonus of 20,000 Reward Points on spending Rs. 7.5 lakhs in an anniversary year.
  • Joining fee of Rs 2500
  • 4 reward points on every spend of Rs. 200 on utilities, groceries, tax payments, insurance sales, etc, and 8 reward points on every Rs. 200 spent on all other retail purchases.
  • Foreign markup fee of 1.75%
  • The renewal fee is waived off on spending over Rs. 4 lakhs in the previous year.

See additional details for YES First Preferred Credit Card

Welcome Benefits

NA

Rewards Rate

6 Reward Points on every Rs. 200 spent. 3 Reward Points on every Rs. 200 spent on tax payments, government services, postal services, bus lines, etc.

Best Suited For

Travel |

Movie & Dining

A discount of 25% on movies through Bookmyshow.

Reward Redemption

The Reward points you earn can be redeemed through the dedicated website Yes Rewardz at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Joining Fees

Rs. 1,599 (plus applicable taxes)

Product Details

  • Get 6 Reward Points on every spend of Rs. 200.
  • Get 3 Reward Points on every spend of Rs. 200 on tax payments, utilities, government services, transportation, etc.
  • Get 750 Reward Points on every successful registration on YES PayNow.
  • Avail of a discount of 25% on movies through BookMyShow.
  • Complimentary Priority Pass Membership.
  • 2 Complimentary international lounge access.
  • 1 complimentary domestic lounge access each quarter.
  • 1 complimentary golf lesson each month.
  • Get your joining & renewal fee waived off on the basis of your spends.
  • Low foreign currency markup fee of 2.5%.

See additional details for YES Premia Credit Card

Welcome Benefits

NA

Rewards Rate

6 Reward Points on every Rs. 200 you spend, 30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

The reward points you earn can be redeemed through the dedicated website Yes Rewardz at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Joining Fees

Rs. 2,999 (plus applicable taxes)

Product Details

  • Get 30 Reward Points per Rs. 200 spent on pharmaceutical/chemist stores.
  • Get 6 Reward Points per Rs. 200 spent on other purchases.
  • 1000 Reward Points on each successful registration on YES PayNow.
  • 2 domestic lounge visits each calendar quarter.
  • Every month, you get 12 complimentary fitness sessions.
  • Get complimentary preventive health checkups.
  • Life insurance cover worth Rs. 1 Crore.
  • Great offers across shopping, wellness, travel, etc.

See additional details for YES Bank Wellness Plus Credit Card

Welcome Benefits

N/A

Rewards Rate

1 Reward Point = Rs 0.25

Best Suited For

Shopping |

Movie & Dining

Great deals and discounts on movies, shopping, travel, and wellness at participating locations on YES Privileges.

Reward Redemption

You can redeem your Reward Points by visiting credit.yesrewardz.com/ or by calling Yes Rewardz Customer Care at 1800 4190 600 between 9 a.m. and 9 p.m., Monday through Sunday.

Joining Fees

Rs 1999/- plus applicable taxes

Product Details

  • You get a complimentary preventive health check-up every year
  • 6 Complimentary fitness sessions every month (Gym, Zumba, Yoga, etc)
  • Get unlimited health benefit offers & Earn Reward Points across multiple categories on YES REWARDZ
  • Earn 20 Reward Points on every Rs 200/- spent on Chemist/ Pharmaceutical stores
  • You get Credit Shield coverage in the event of the accidental death of the primary cardholder
  • 1% fuel surcharge waiver across all fuel station in India

See additional details for Yes Bank Wellness Credit Card

Welcome Benefits

A cashback of Rs. 250 on spending Rs. 2500 within the first 30 days.

Rewards Rate

0.75% cashback on all retail spends, 5% cashback on movies & groceries.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • You get a 0.75% cashback on all retail spending.
  • Get a 5% cashback on all your spending on groceries and movie ticket bookings.
  • Get a 5% cashback on utility bill payments through YES PayNow.
  • Get Rs. 250 cashback on spending Rs. 2500 within the first 30 days.Exciting offers on travel, shopping, dining, wellness, etc through Yes Privileges.

See additional details for YES Prosperity Cashback Plus Credit Card

Welcome Benefits

NA

Rewards Rate

4 Reward Points on every retail spend of Rs. 200. 2 Reward Points on every Rs. 100 spent on tax payments, utilities, postal services, etc.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

1 RP = Re. 0.25 for redemption against flight/hotel bookings and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Joining Fees

Rs. 499

Product Details

  • Get 4 Reward Points on every Rs. 200 spent on retail purchases.
  • 2 Reward Points on every Rs. 200 spent on utilities, bus lines, tax payments.
  • 500 Reward Points on each successful registration on YES PayNow.
  • Accelerated Reward Points on selected purchases done through YES cart.
  • Get 12,000 bonus Reward Points on spending Rs. 3.6 lakhs or more in the previous year.
  • Spend-based waiver of joining and renewal fee.
  • You can avail of great offers on dining, shopping, travel, wellness, etc.

See additional details for YES Prosperity Rewards Plus Credit Card

Welcome Benefits

NA

Rewards Rate

2 Reward Points on every Rs 200 spent on all categories other than select categories
1 Reward Point for every INR 200 on Select categories

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your reward points from the product catalog at the YESREWARDZ portal. These reward points can also be redeemed for Air miles. You can use 10 Reward Points to redeem 1 InterMile or 1 Club Vistara. 1 RP = Rs. 0.10 (e-vouchers, recharges, movies and more). RP 1 = Rs. 0.25 for hotel and flight booking.

Joining Fees

Rs 299 plus applicable taxes

Product Details

  • 10,000 reward points on annual spending of Rs 1,80,000 or more in the anniversary year
  • 2 Reward Points on every Rs 200 spent on all categories other than select categories
  • Annual fee of Rs 299 plus applicable taxes
  • 1 Reward Point for every INR 200 on Select categories
  • 10 Reward Points = 1 Air Mile (1 InterMile or 1 Club Vistara)
  • Annual fee waiver on annual spend of Rs 50,000/ using your credit card
  • 1% surcharge waiver on fuel transactions across all fuel stations

See additional details for YES Prosperity Rewards Credit Card

Welcome Benefits

NA

Rewards Rate

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.

Best Suited For

Shopping |

Movie & Dining

Reward Points redeemable for movie ticket bookings on YES Rewardz portal at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Reward Redemption

1 RP = Rs 0.10 for redemption against flights/hotel bookings, movies, etc. 10 RP = 1 Intermile/1 Club Vistara Point for redemption against Air Miles.

Joining Fees

Rs. 1,199 (plus applicable taxes)

Product Details

  • 15,000 bonus points on spending Rs. 6 lakhs or more in an anniversary year
  • 4 Reward Points on every Rs. 200 spent on retail purchases.
  • 2 Reward Points on every Rs. 200 spent on other categories such as tax payments, groceries, postal services, etc.
  • Joining Fee of Rs 1199/-
  • The joining fee is waived off on retail spends of over Rs. 15,000 within 90 days after receiving the card.
  • The renewal fee is waived off on spending over Rs. 75,000 on retail purchases in the previous year.

See additional details for YES Prosperity Edge Credit Card

Top 8 Yes Bank Credit Cards in India

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 per Rs. 100 on international spends and 2 Reward Points per Rs. 100 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 per Rs. 100 on international spends, 2 Reward Points per Rs. 100 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 another premium offering by Yes Bank. One of the key features of this credit 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 2 complimentary domestic lounge access every quarter and 4 complimentary international lounge access every year.

Yes Premia Credit Card

Yes Premia credit card is another semi-premium offering by the Yes Bank. The card comes with 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 complimentary domestic lounge access per 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. With this credit card, you get exclusive rewards and benefits on your health and wellness spendings. You get 6 Reward Points on every Rs. 200 you spend, 30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores. In addition to this, you get 8 complimentary domestic lounge access 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 spendings. With this credit card, you can get upto 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..

Rewards and Cashback

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.
.

Reward Redemption

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

Complimentary Lounge Access

Credit Card  Lounge Access 
Yes Private Credit Card Unlimited domestic lounge access with MasterCard Lounge Program and Unlimited international lounge access with Lounge Key (guest visits limited to 10 per year)
Yes Private Prime Credit Card Unlimited domestic lounge access with MasterCard Lounge Program and Unlimited International lounge access with Lounge Key
Yes First Exclusive Credit Card 3 domestic lounge access per quarter select airports across India under the MasterCard Lounge program. Unlimited complimentary lounge access outside India with Priority Pass membership.
Yes First Preferred Credit Card 2 domestic lounge access per quarter through the MasterCard lounge program.4 complimentary international lounge access every year through the priority pass
Yes Premia Credit Card 1 complimentary lounge access per quarter and 2 complimentary international lounge access through the Priority Pass.
Wellness Plus Credit Card 2 complimentary domestic lounge access every calendar quarter
Yes Prosperity Edge Credit Card 1 complimentary domestic lounge access per calendar quarter and complimentary international lounge access Priority Pass membership at a usage charge of USD 27
Yes Prosperity Cashback Plus Credit Card NA

Annual Fee

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

Eligibility Criteria

Credit Card Age Income
Yes Private Credit Card Invite-only Invite-only
Yes Private Prime Credit Card   Invite-only Invite-only
Yes First Exclusive Credit Card 21-60 Years Minimum Rs. 4,00,000 per month for salaried employee
Minimum Rs. 36,00,000 per annum (as per ITR) for self-employed
Yes First Preferred Credit Card 21 Years – 60 Years Minimum Rs. 2,00,000 per month for salaried employee
Minimum Rs. 24,00,000 per annum (as per ITR) for self-employed
Yes Premia Credit Card 21 Years – 60 Years Minimum Rs. 1,50,000 per month for salaried employee
Minimum Rs. 14,40,000 per annum (as per ITR) for self-employed
Wellness Plus Credit Card 21 Years – 60 Years Minimum Rs. 25,000 per month for salaried employee
Minimum Rs. 5,00,000 per annum (as per ITR) for self-employed
Yes Prosperity Edge Credit Card 21 Years – 60 Years Minimum Rs. 60,000 per month for salaried employee
Minimum Rs. 7,20,000 per annum (as per ITR) for self-employed
Yes Prosperity Cashback Plus Credit Card 21 Years – 60 Years Minimum Rs. 35,000 per month for salaried employee
Minimum Rs. 5,00,000 per annum (as per ITR) for self-employed

How to Apply for a Yes Bank Credit Card?

Step 1:  You can either visit the nearest branch or you can apply through net banking.

Step 2: To apply through net banking, visit http://yesbank.in

Step 3: Click on the option “Apply for a new credit card”

Step 4: Choose the card, and complete all the required formalities.

What are the Documents Required?

Proof of Identity Proof of Address Proof of Income
  • Aadhar Card
  • PAN Card
  • Voter ID
  • Driving Licence
  • Passport
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving Licence
  • Utility bills
  • Municipal or property tax receipt
  • Rent agreement
  • House allotment letter issued by central or state government
  • For self-employed individuals - Later ITR (Income Tax Return).
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.

FAQs:

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 a fixed deposit 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, you do not get charged with any add-on card fee on Yes Bank credit cards.

The cardholders get an interest-free period of upto 50 days. However, the interest-free period is not applicable in case the previous month’s statement balance is not cleared in full.

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