YES Bank Credit Card – Features, Eligibility & Apply Online
YES Bank Credit Cards are available in different variants catering to varied requirements, such as shopping, travel, rewards, cashback, lounge access and more. One can find credit cards with low annual fee and basic benefits as well as premium cards with benefits more suited to high-income customers, like complimentary airport lounge access, milestone benefits, and extensive lifestyle-related offers. Read on to know about YES Bank Credit Cards in detail along with their features, charges and ratings.
Top YES Bank Credit Cards in November 2024
Below are some of the best YES Bank credit cards. The list includes credit cards across different categories- rewards, cashback, travel, etc. It is advised to read the card features in detail and compare them with cards from other issuers before making a choice.
| YES Bank Credit Card | Annual Fee | Best-suited For |
|---|---|---|
| YES Bank Wellness Credit Card | Rs. 749 | Health & Wellness |
| YES Bank Private Prime Credit Card | Joining Fee: Rs. 20,000 Renewal Fee: Rs. 10,000 | Premium, Lifestyle |
| YES Bank Private Credit Card | Joining Fee: Rs. 50,000 Renewal Fee: Rs. 10,000 | Premium, Lifestyle |
Some common fees and charges applicable to YES Bank Credit Cards are mentioned in the table below:
| Fees and Charges | Details |
| Joining/Annual Fee | Varies from one card to another |
| Finance Charges* | Reserv & Marquee: 2.99% p.m. (35.88% p.a.) Others: 3.99% p.m. (47.88% p.a.) |
| Late Payment Charges | For outstanding amount of: Up to Rs. 500: Nil Above Rs. 500: Rs. 1,350 or 10% of total outstanding amount, whichever is lower |
*Finance charges may be different for cards issued against fixed deposits and for NRI card variants.
Click here for the detailed charges and other terms and conditions applicable to YES Bank Credit Cards.
Click here for the detailed fees and charges, along with other terms and conditions applicable to co-branded YES Bank Credit Cards.
| Fee Type | Amount |
|---|---|
| Joining/ Annual Fee | Depends on the AU credit card variant |
| Interest Charges on Revolving Credit | Zenith Plus: 1.99% p.m. (23.88% p.a.) ABC Biz: 3.69% p.m. (44.28% p.a.) All other AU retail credit cards: 3.75% p.m. (45% p.a.) |
| Late Payment Charges | On outstanding balance of – Up to Rs. 100: Nil |
Certain charges vary according to the card variant. To view the detailed AU Credit Card charges, click here.
YES Bank offers credit cards to individuals with a good credit score and history. Apart from the credit score, some common eligibility criteria and the documents you are required to fulfill and share are as follows:
- Age: Between 21 years and 60 years
- Employment: Salaried or self-employed
The minimum income requirement for some of the top YES Bank Credit Cards is as follows:
| Credit Cards | Net Monthly Income for Salaried | ITR per annum for Self Employed |
| YES Bank Wellness Plus Credit Card | >= Rs. 20,000 | >= Rs. 7.5 lakh |
| YES Bank ACE Credit Card | >= Rs. 25,000 | >= Rs. 7.5 lakh |
| YES Bank SELECT Credit Card | >= Rs. 50,000 | >= Rs. 7.5 lakh |
| YES Bank ELITE+ Credit Card | >= Rs. 1 lakh | >= Rs. 9 lakh |
| YES Bank RESERV Credit Card | >= Rs. 2 lakh | >= Rs. 18 lakh |
| YES Bank MARQUEE Credit Card | >= Rs. 3 lakh | >= Rs. 24 lakh |
You can apply for top credit cards offered by YES bank and other providers via Paisabazaar through a completely digital process. Follow the steps given below:
Step 1: ENTER YOUR MOBILE NUMBER
Provide your mobile number in the form to begin the application process.
Step 2: VERIFY YOUR NUMBER WITH OTP
Enter the OTP received on your number and check the pre-qualified credit card offers available for you.
Step 3: CHOOSE A CARD
Compare the available options and select the card that best matches your requirements.
Step 4: APPLY AND SUBMIT DOCUMENTS
Fill the detailed form and provide documents for smooth application processing.
In case you are unable to view the card of your choice at our end, you may visit and apply directly at the bank’s website.
Q. I Want to apply for a YES Bank Credit Card. Which one will best suit me?
A. YES Bank offers a variety of credit cards which cater to frequent travellers, shoppers, and so on. We suggest that you first figure out what type of spender you are. If you frequently travel then perhaps a travel card will best suit your needs. However, if you like shopping online then a card that provides reward points or cashback on online spends will be a better option.
Q. What are the ways for YES Bank Credit Card bill payment?
A. You can pay your credit card bill using facilities like NEFT/IMPS/RTGS, cheque, BillDesk (net banking), cash payment, iris by YES BANK (mobile banking app), YES Pay app, or YES ROBOT. If you are a YES bank account-holder, then you can also pay your YES Bank Credit Card bill by opting for standing instruction to automatically debit a pre-set portion of your monthly bill from your savings or current account to your credit card account.
Q. How can I generate YES Bank Credit Card PIN?
A. To generate your credit card PIN you can login to YES Online and then access the credit card dashboard. However, if you have not registered for YES Online then you can click here and fill all the card details, date of birth, Aadhaar card number to proceed with setting your credit card PIN. For further details and steps, you can click here.
Q. How can I earn reward points on YES Bank Credit Cards?
A. Depending on your YES Bank credit card variant, you can earn reward points on almost all spending categories. Certain purchases will be rewarded with accelerated bonus points. However, most YES bank cards do not reward fuel spends.
Q. What should I do if I notice an unauthorised transaction on my YES Bank Credit Card?
A. You should immediately contact the YES Bank Credit Card customer care number i.e. 18001031212 (toll free) or +91 22 49350000 (outside India) and get the card blocked. This will stop any further misuse of the card.
Q. Can I use my YES Bank Credit card internationally?
A. Yes, you can use your YES Bank Credit Card internationally. Note that you will be liable to pay a foreign transaction fee on all international purchases.
Q. How can I check the status of my YES Bank credit card application status?
A. You can easily check your YES Bank credit card application status by visiting the YES Bank Credit Card Application Status page by clicking here. For detailed instructions on how to check the status, click here.
Q. My credit score is 320. Can I apply for YES Bank Credit Card?
A. Your chances of getting a YES Bank Credit Card application are quite low with a credit score of just 320. So, if you want your application to be approved, make sure you maintain a high credit score of around 750 or above.
Q. How can I connect with YES Bank Credit Card customer care?
A. You can connect with YES Bank Credit Card customer care by calling on 1800 103 1212 (toll-free for mobile & landlines in India) or +91 22 4935 0000 (when calling from outside India).