YES Bank Credit Card

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YES Bank, established in 2003, is a leading name in the Indian banking sector. It offers a range of financial products and services. YES Bank credit cards, cater to different spending needs with benefits such as rewards, lifestyle privileges, and an interest-free period of up to 50 days.

Best YES Bank Credit Cards

YES Bank offers a variety of credit cards, from premium to essential categories, suited for different spending habits and requirements. Some of the top YES Bank credit cards include:

Best Credit Cards in India | Check Eligibility & Apply Online

How to Apply for a YES Bank Credit Card Online at MybankingTips

Applying for a YES Bank credit card is a quick and simple process. You can apply for it through MybankingTips or directly via the YES Bank website. Here's a step-by-step guide for both options:

Apply via MybankingTips

  • Visit the Website: First, go to the YES Bank Credit Card section on MybankingTips.
  • Choose Your Card: Browse through the different credit card options and choose the best credit card according to your spending habits.
  • Click ‘Apply Now’: After choosing the card, click on the ‘Apply Now’ button.
  • Fill in Your Details: Then fill some personal and financial information to check your eligibility.
  • Submit Your Application: After filling out the details, submit the form. You’ll receive an application ID for your reference.

Apply via YES Bank Website

  • Go to the YES Bank Website: Visit the official YES Bank website to begin the application process.
  • Navigate to ‘Credit Cards’ Section: On the homepage, find the 'Credit Cards' section and click on it.
  • Select a Card: Choose the credit card that best suits your preferences and needs.
  • Click ‘Apply Now’: After choosing the card, click on the ‘Apply Now’ button to start the application.
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Eligibility Criteria

To apply for a YES Bank credit card, you must meet these requirements:

  • Age: Between 21 and 60 years.
  • Employment: You can be a salaried or self-employed individual.
  • Credit Score: A good credit score (preferably 750 or above) increases your chances of approval.

Documents Required for HDFC Bank Credit Cards

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID, Driver’s License, Overseas Citizen of India (OCI) Card, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, UIDAI Letter with Name & Address, Any other government-approved photo ID proof.
Proof of Address Aadhaar Card, Passport, Driver’s License, Utility Bill (not older than 3 months), Ration Card, Property Registration Document, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, Bank Account Statement, Any other government-approved address proof.
Proof of Income Latest 1 or 2 salary slips (not older than 3 months), Latest Form 16, Last 3 months’ bank statement.

Note: HDFC Bank may request additional documents based on internal policies.

Yes Credit Card: Fee & Charges

  • Annual Fee: Annual fee Varies from card to card.
  • Finance Charges:
    • Reserved & Marquee Cards: 2.99% p.m. (35.88% p.a.)
    • Other Cards: 3.99% p.m. (47.88% p.a.)
  • Late Payment Charges:
    • Up to ₹500 – No charges.
    • Above ₹500 – ₹1,350 or 10% of the outstanding amount (whichever is lower).
Suggested Read : Check 25 Best Credit Cards in India in February 2025 and find the right card as per your spending habits.

YES Bank Credit Card Features & Benefits

YES Bank offers a range of credit cards with various features and benefits tailored to different customer needs. Specific perks may vary from card to card but the following benefits are commonly available for most YES Bank credit card holders.

1. Welcome Benefits

New cardholders enjoy Welcome Benefits, which are:

  • Bonus Reward Points upon activation.
  • Complimentary Gift Vouchers or exclusive offers.
  • These benefits can be availed after paying the joining fee.

2. Reward Points and Cashback

Cardholders earn reward points for every purchase, which can be redeemed for goods or services. Some cards also offer cashback on specific categories like dining, fuel, and shopping, providing additional savings.

3. Milestone Benefits

As the name says Milestone Benefits cardholders get these rewards for reaching specific spending targets. These rewards may include:

  • Extra reward points.
  • Exclusive gifts or vouchers.
  • Special privileges, such as access to events or services.

4. Travel Benefits

  • Complimentary airport lounge access.
  • Discounts on hotel bookings and flight tickets.
  • Concierge services for premium cards, assisting with travel plans.

5. Additional Benefits

  • Entertainment discounts for movies and other events.
  • Dining offers at partner restaurants.
  • Fuel surcharge waivers and health/wellness benefits.
  • Spend-based waiver of annual fees on achieving certain spending goals.

Features of the Top YES Bank Credit Cards in India

Here’s are some of the best YES Bank Credit Cards from premium options to more affordable choices catering to different needs and spending habits. These cards are designed to fulfill the requirements of diverse spending habits and preferences.

1. Yes Bank Marquee Credit Card

The Yes Bank Marquee Credit Card offers a range of exciting benefits, especially for frequent travelers and online shoppers. Key benefits include:

  • Unlimited airport lounge access for added comfort during travels.
  • Buy-one-get-one-free movie tickets to enjoy entertainment.
  • Discounts on dining for food lovers.
  • Accelerated Reward Points: Earn 36 points for every Rs. 200 spent online and 18 points for offline purchases.
  • Purchase Protection: Enjoy insurance coverage for online purchases like mobile phones and electronics.

2. Yes RESERV Credit Card

The Yes RESERV Credit Card is another premium card offering exclusive features:

  • Interest rate: A competitive interest rate of 1.99% per month.
  • Reward Points: 24 points for every Rs. 200 spent online and 12 points for offline purchases.
  • Annual fee: This credit card comes with an annual fee of Rs. 1,999. But you also get excellent value in the form of rewards and other benefits.

3. Yes ELITE Credit Card

The Yes ELITE Credit Card is a semi-premium card designed for regular spenders:

  • Annual fee: It charges an annual fee of Rs. 999.
  • Reward Points: Cardholders get 12 points for every Rs. 200 spent online and 4 points for utility and government-related spending.
  • Lounge Access: You also get one free domestic lounge access per quarter and two international lounges with Priority Pass.
  • Additional perks: Complimentary travel and entertainment benefits.

4. Yes SELECT Credit Card

With the Yes SELECT Credit Card, cardholders get special rewards and exclusive privileges:

  • Annual fee: The card comes with an annual fee of Rs. 1,200.
  • Reward Points: 8 points for every Rs. 200 spent online and 4 points for offline purchases.
  • Lounge Access: Cardholders get one complimentary domestic lounge access per quarter (up to two visits).
  • Mobile Purchase Protection: it comes with added security for your mobile purchases.

5. Yes Private Credit Card

The Yes Private Credit Card is a premium invite-only card for the bank’s elite customers:

  • Reward Points: Cardholders enjoy 3 points for every Rs. 100 spent internationally and 2 points for domestic spends.
  • Joining Fee: It comes with the high joining fee of Rs. 50,000.
  • Exclusive Benefits: With this card you get unlimited lounge access, special hotel booking offers, golf privileges, and comprehensive insurance benefits.
  • Low Interest Rate: It charges an interest rate of Just 1.2% per month.

Apply for YES Bank Credit Cards

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How to Activate Your YES Bank Credit Card

  1. Through Net Banking:
    • Log in to your YES Bank Net Banking account.
    • Select ‘Credit Cards’ > ‘Register Credit Card.’
    • Set a 4-digit PIN using OTP verification.
  2. Through Mobile Banking:
    • Download the YES Bank mobile app.
    • Log in and go to ‘Account Services.’
    • Select ‘Set/Reset PIN’ and follow the instructions.
  3. Through Customer Care:
    • Call YES Bank’s toll-free number at 1800 1200 for assistance.

How to Pay YES Bank Credit Card Bills

YES Bank offers multiple payment options for credit card bill payments:

  • For YES Bank Account Holders:
    • Net Banking: Log in to YES Bank’s portal and pay your credit card bill directly.
    • Mobile Banking (iris App): Use the mobile app to make payments.
    • Auto-Debit: Set up standing instructions for automatic payments.
  • For Non-YES Bank Account Holders:
    • NEFT/IMPS/RTGS: Transfer funds using IFSC YESB0CMSNOC.
    • Cheque Payment: You can also drop a cheque at designated YES Bank drop boxes.
    • Cash Payment: through this method, you can pay at any YES Bank branch but the bank might charge extra.
    • UPI/Bill Desk: you can also use third-party apps or UPI to complete payments.

How to Redeem YES Bank Credit Card Reward Points

You can easily redeem your YES Bank reward points online or offline.

Online Redemption:

  • Visit the YES Rewardz portal.
  • Select your credit card and preferred redemption category such as e-gift vouchers, bill payments, travel bookings, etc.
  • Enter details and confirm to process the request.

Offline Redemption:

  • Call YES Bank customer care to place a redemption request.

Factors Affecting YES Bank Credit Card Eligibility

  • Age & Income: Applicants must meet the minimum income criteria.
  • Employment Status: You should have a stable employment or business income to get a credit card.
  • Credit Score: A strong credit history can increase your chances of approval.
  • Residency: Applicant should be a resident of India or he must have a valid visa.

YES Bank Credit Cards Login/Net Banking

To register your YES Bank Credit Card for online banking, follow these simple steps:

Step 1: Visit the YES Bank official website. Step 2: Scroll to the "Ways to Bank" section. Step 3: Select "Net Banking" from the options. Step 4: Choose "Credit Card Net Banking". Step 5: Click on "Register Online" and proceed. Step 6: Fill in the required details and confirm your registration.

YES Bank Credit Card Bill Payment

There are multiple ways to pay your YES Bank credit card bills:

  • You can enable AutoPay through your YES Bank Account.
  • You can also use Net Banking, Mobile Banking, and YES Pay App.
  • You can also pay via cash, cheque, or ATM.
  • Even if you have an account with another bank you can still pay through NEFT or other methods.

Dos & Don'ts of Credit Cards

Maximize your YES Bank Credit Card benefits by keeping these tips in mind:

Dos:

  • Pay your bills on time to avoid interest charges.
  • Keep your credit utilization ratio low. Upto 30% or low.
  • Regularly monitor your credit card statements.
  • Utilize reward points and other benefits.
  • Understand your card’s terms and conditions before using it.

Don'ts:

  • Don’t apply for multiple credit cards at once.
  • Don’t make only the minimum payment due.
  • Avoid ignoring credit card statements.
  • Don’t close your old credit cards unnecessarily.
  • Don’t exhaust your credit limit.

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How to Redeem YES Bank Credit Card Reward Points

Follow these steps to redeem your YES Bank Credit Card reward points:

  1. Log in to YES Bank Net Banking.
  2. Select "Redeem Reward Points".
  3. Choose your credit card, then click Proceed.
  4. Browse the catalog by selecting Point Range and Item Category.
  5. Add your desired items to the shopping cart.
  6. Review your selection and click View Shopping Cart.
  7. Confirm the items and click Redeem to complete the process.

When is the YES Bank Credit Card Interest Rate Charged?

Interest on your YES Bank Credit Card is charged under the following conditions:

  • Non-payment: If you miss a payment then banks charge you an interest along with a late fee.
  • Balance Carryforward: Banks also charge Interest if you carry a balance forward.
  • Cash Withdrawal: Interest is charged on cash withdrawals, starting from the date of withdrawal until the payment is made.

YES Bank Interest-Free Period

YES Bank offers an interest-free period of up to 50 days, depending on the transaction and payment cycle. If you pay your outstanding balance in full by the due date, you won’t be charged any interest, making it possible to enjoy interest-free credit for that period.

YES Bank Credit Card Application Status

You can easily track the status of your YES Bank Credit Card application:

  • Visit the YES Bank website and use your application reference number, mobile number, or date of birth to check your application status.
  • You can also call customer support or visit your nearest YES Bank branch for more information.

YES Bank Credit Card Balance Transfer

YES Bank allows you to transfer balances from credit cards issued by other banks to your YES Bank credit card. If you have maintained good credit and transaction history, you might be eligible for attractive balance transfer options, reducing your interest burden.

YES Bank Credit Card Customer Care

For any inquiries related to your YES Bank Credit Card, reach out to customer service through:

  • Call: 1800-103-1212 or 022-4935-1212
  • Email: Send your queries to the official YES Bank customer support email.

Apply for Top Yes Bank Credit Cards with MybankingTips

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FAQs

YES Bank credit cards offer various benefits, including reward points, cashback, airport lounge access, dining discounts, fuel surcharge waivers, and milestone rewards based on spending.

You can apply online through the YES Bank website or via MyBankingTips by selecting a card, filling in your details, and submitting the application.

To apply for a YES Bank Credit Card you must be between 21 and 60 years old, have a stable income (salaried or self-employed), and maintain a good credit score (preferably 750 or above).

You can track your application status online using the application reference number, mobile number, or date of birth on the YES Bank website.

YES Bank offers an interest-free period of up to 50 days if you pay your outstanding balance in full by the due date.

You can redeem points online via the YES Rewardz portal for vouchers, travel bookings, and bill payments, or you can also call customer care to redeem them offline.

Apply for YES Bank Credit Cards

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