Hello friends, welcome to our new blog post. In this article, I will discuss how to apply for YES Bank Credit Card. If you want a credit card, you can apply for YES Bank Credit Card. YES Bank is a full-service commercial bank providing a complete range of products, services, and technology-driven digital offerings, catering to retail, MSME as well as corporate customers. YES Bank offers a wide range of credit cards that cater to frequent travelers, shoppers, etc. Here, I will explain the features, benefits, and charges of YES Bank Credit Card.
YES Bank Credit Card Review
| Article Topic | YES Bank Credit Card Apply Online |
| Joining Fee | Varies from one card to another |
| Renewal fee | Varies from one card to another |
| Benefit | Up to 24 reward points on every Rs 200 spent |
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YES Bank Credit Cards
| Credit Cards | Annual Fee | Best Suited for |
| YES Prosperity Rewards Credit Card | Rs 399 | Rewards |
| YES Premia Credit Card | RS 999 | Travel & Movies |
| YES Bank Wellness Credit Card | Rs 749 | Health & Wellness |
| YES First Business Credit Card | Rs 999 | Travel |
| YES Prosperity Cashback Plus Credit Card | Rs 1499 | Cashback |
Features & Benefits of YES Bank Credit Cards
Shopping
- Up to 24 reward points on every Rs 200 spent
- Enjoy benefits up to Rs 1,05,000 every year
- Cashback on shopping online & bill payments
Movies
- 25% Discount on BookMyShow
Other
- Universal acceptance
- Fuel surcharge waivers
- Insurance coverage benefit
- Never Expiring rewards
- Green fee waiver
- Complimentary Golf lessons at select Golf courses in India
- 7 credit card variants to give a customized credit experience
Unique features of YES Bank Credit Card:
- Reward points for all transactions that can be accumulated to obtain a gift or the points can be redeemed for cashback.
- Accepted internationally as well
- Cashback on certain spends like 5% cashback for online shopping
- 5% cashback on using your credit card to pay utility bills
- Benefits like airport lounge access, golf course access, insurance coverage, fuel surcharge waiver, and more. With YES Privileges, you can enjoy promotional offers on shopping, wellness, dining, travel, and much more.
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Fees & Charges
Some common fees and charges applicable to YES bank Credit Cards are shown in the table below:
| Fee Type | Amount |
| Joining Fee | Varies from one card to another |
| Annual Fee | Varies from one card to another |
| Finance Charges | For YES FIRST Preferred/YES FIRST Exclusive/YES Private Card – 1.99% p.m. For all other credit cards – 3.50% p.a. |
| Late Payment Charges | Less than Rs. 101 = Nil Rs 101 to Rs 500 = 150 Rs 501 to Rs 5000 = 500 Rs 5001 to Rs 20,000 = 750 Rs 20,001 and above = 1,000 |
Finance charges may be different for cards issued against fixed deposits.
Eligibility Criteria & Documentations Required for YES Bank Credit Cards
To apply for a YES Bank Credit Card, you have to be eligible and provide some documents. After that, you can apply for this credit card. Following are the eligibility criteria and documents for Yes Bank Credit Card:
For Salaried Customer
Age Group: 21 to 65 years
Income Range: Rs 20,000+
Documents Required
- Identity Proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving License
- Address Proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Salary Certificate, Recent salary slip, Employment letter
For Self Employed Customer
Age Group: 21 to 70 years
Income Range: Paid ITR of Rs 3.6 lakhs in a year
Documents Required
- Identity Proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving License
- Address Proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or balance sheet
How to Apply for YES Bank Credit Card?
- Click on the link below to Apply for YES Bank Credit Card Online.
- You have to enter your PAN number and a valid mobile number. OTP will be sent to this mobile number and will be registered with the bank for all further correspondence
- You have to enter your Aadhar Number and OTP will be sent to the mobile number registered with UIDAI/Aadhar
- Your photo, Name, Gender, Date of Birth, and Address registered with Aadhar will be auto-pulled from UIDAI
- Compare the available options and select the card that best matches your requirement
- Fill out the details form and provide documents for smooth processing
YES Bank Credit Card Related FAQ:
I want to apply for a YES Bank credit card. Which one suits me best?
YES Bank offers a wide range of credit cards that cater to frequent travelers, shoppers, etc. We suggest that you first find out what kind of spender you are. If you’re a frequent traveler, perhaps a travel card will better suit your needs. However, if you are looking to buy a card that offers reward points or cashback, then this is the best option.
What are the ways of YES Bank credit card bill payment?
You can pay YES Bank Credit Card Bill through NEFT/IMPS, Cash/Cheque/Demand Draft, Net Banking, etc.
How do I earn reward points on Yes Bank Credit Card?
You can earn reward points in almost all categories with the Yes Bank Credit Card. Certain purchases will be rewarded with instant bonus points. However, most Yes Bank cards do not offer fuel spending rewards. Also, you will earn reward points on YES PayNow registration, a standing instruction facility of YES Bank.
Can I use my Yes Bank Credit Card internationally?
Yes, you can use your Yes Bank Credit Card internationally. Note that you will be liable to pay foreign transaction fees on all international purchases.
How can I connect with YES Bank Credit Card Customer Care?
You can connect with YES Bank Credit Card Customer Care in the following ways: 1800 103 1212 (Toll-Free for mobile & landlines in India), +91 22 4935 0000 (when calling from outside India, email us at [email protected])
Conclusion:
YES Bank offers a range of credit cards with various benefits and features to suit the needs of different customers. These include reward programs, welcome offers, fuel surcharge waivers, airport lounge access, travel benefits, dining discounts, no annual fee, and EMI options. YES Bank credit cards can be a great tool for managing your finances and earning rewards.
Additional tips for managing credit card usage wisely:
- Set a budget for your credit card spending and stick to it
- Pay your bills on time and in full each month to avoid interest charges and fees
- Keep your credit utilization ratio (balance-to-limit ratio) below 30% to maintain a good credit score
- Review your credit card statements regularly to check for errors or fraudulent activity
- Avoid using your credit card for cash advances, as these typically come with high fees and interest rates
- Don’t apply for too many credit cards at once, as this can negatively impact your credit score.
