Yes Bank Credit Card is a popular credit card in India. Most people are getting amazing rewards, discounts, and benefits by using this card for shopping and other purchases. There are lots of benefits and features of Yes Bank credit cards that we are going to share in this guide. Here, you will also know about the eligibility, required documents, and charges applicable to this card.
As we know, Yes Bank is the largest private-sector bank in India. It also started providing credit cards in partnership with American Express. It provides credit cards for both salaried and non-salaried individuals. All Yes Bank Credit Cards come with amazing features, rewards, and benefits for purchases of categories like entertainment, dining, travel, etc.
There a huge range of credit cards offered by Yes Bank. But among all of them, choosing the best Yes Bank Credit Card can be a time-consuming task for you. So, we have picked some best credit cards provided by Yes Bank which come with exclusive rewards points, welcome points, and amazing discounts.
Top 10 YES Bank Credit Cards
YES Bank Credit Card | First Year Membership Fees | Renewal Fees | Required Income | Best for |
YES Prosperity Rewards Plus Credit Card | Rs. 399 | Rs. 399 | Rs. 25,000 per month | Rewards |
YES FIRST Preferred Credit Card | Rs. 999 | Rs. 999 | Rs. 2 lakh per month | Rewards and Lifestyle |
YES PREMIA Credit Card | Rs. 999 | Rs. 999 | Rs. 1 lakh per month | Travel and Rewards |
YES Prosperity Edge | Rs. 399 | Rs. 399 | Rs. 50,000 per month | Rewards |
YES Prosperity BUSINESS Card | Rs. 399 | Rs. 399 | ITR of Rs. 7.5 lakhs | Rewards |
YES Prosperity Cashback Credit Card | Rs. 999 | Rs. 999 | Rs. 25,000 per month | Rewards and Cashback |
YES FIRST BUSINESS Credit Card | Rs. 999 | Rs. 999 | ITR of Rs. 10 lakh | Rewards |
YES Private Credit Card | Rs. 50,000 | Rs. 10,000 | Rs. 30,000 per month | Rewards and Cashback |
YES FIRST Exclusive Credit Card | Rs. 1,999 | Rs. 1,999 | Rs. 2 lakh per month | Travel and Lifestyle |
YES Prosperity Cashback Plus Credit Card | Rs. 1,499 | Rs. 1,499 | Rs. 35,000 per month | Rewards and Cashback |
Read more: How to Apply for an Axis Bank Credit Card in 2023?
Best YES Bank Credit Cards of 2024
Yes Bank currently provides more than 10 different kinds of credit cards. Among them, we are going to share the best 5 credit cards offered by YES Bank.
1. YES Prosperity Rewards Plus Credit CardÂ
YES, Prosperity Rewards Plus Card is the best credit card from YES Bank. It provides extra and amazing rewards for the transactions made by cardholders. This card offers you a superior and rewarding payment experience.
You can earn 2X reward points for travel and dining spending through this card. It also offers a fuel surcharge waiver at every fuel station in the country.
Features:
- 8X reward points on spending Rs. 200 on travel and dining purchases
- 4X reward points on spending Rs. 200 on all categories
- Easy reward points redemption
- Accidental Insurance cover
- 3% Interest rate for a cash advance and late payment
- Foreign Currency Markup of 2.75%
- Secured Online transactions through MasterCard SecureCode
Fees:
- Joining fees: Rs. 399
- Renewal fees: Rs. 399
2. YES FIRST Exclusive Credit Card
It is a very exclusive card by Axis Bank which is specially designed and launched for high-end customers. This card offers an amazing combination of rewards, lifestyle benefits, and more secure transactions. You can explore the world by using the premium services of this card.
YES First Exclusive Credit Card offers 12X reward points for spending Rs. 200 on specific categories. In addition, it also provides 3 complimentary access to domestic airport lounges across the country.
Features:
- The interest rate of 2.99% on credit revolving
- Foreign currency markup of 1.75%
- 6 free access to international airport lounges
- 8000 reward points after the renewal of the card
- 24X reward points for spending Rs. 200 on dining and travel
- 12X reward points for spending Rs. 200 on every category
- Reward points redemption through a dedicated website for hotel, flight, and ticket booking
- Exclusive variety of products
- 4 complimentary access to golf courses
- 3 complimentary access to domestic airport lounges
- 6 complimentary access to international airport lounges
Charges:
- Joining fee: Rs. 1,999
- Renewal fee: Rs. 1,999
3. YES FIRST BUSINESS Credit Card
YES, First Business is the best credit card for business people. It provides double rewards and discounts to cardholders for every transaction. Any self-employed person, proprietor, and firm partner can apply for this card.
This card provides lots of benefits like 6 complimentary access to international airport lounges, a low foreign currency markup fee of 1.75%, and a fuel surcharge waiver at all petrol pumps in India. You can earn 20,000 reward points on spending Rs. 12 lakh in a year.
Features:
- 16X reward points for spending Rs. 200 on hotels, dining, airline ticket booking
- 20,000 reward points on spending Rs. 12 lakh in a year
- 2 free access to domestic airport lounge
- 6 free access to international airport lounges
- 1.75% fees for foreign currency markup
- 3.6% Interest rate for a cash advance and late payment
Charges:
- Joining fees: Rs. 999
- Renewal fees: Rs. 99
4. YES Private Credit Card
YES Private Card is a super premium card offered by Yes Bank. This card is available through invitation only. It works similarly to the American Express Black Credit Card. The card provides 1 lakh reward points to new customers. In addition, it also offers a gift voucher of Rs. 9,000 as a joining bonus.
Features:
- 24X reward points for spending Rs. 200 on international transactions
- 16X reward points for spending Rs. 200 on domestic transactions
- 50000 reward points on spending Rs. 10 lakh within 90 days
- I lakh reward points as a welcome bonus
- Oberoi Gift voucher of Rs. 9,000 as a joining bonus
- 3% cashback on domestic and international transactions
- Foreign Currency Markup fees of Rs. 1.75%
- 2.99% interest rate on cash advances and late payments.
Charges:
- Joining fees: Rs. 50,000 + GST
- Renewal fees: Rs. 10,000 + GST
5. YES Prosperity Cashback Plus Credit Card
It is a featured credit card by Yes Bank. This card is best for earning lots of cashback on every transaction. You can enjoy safe and secured cashless payment and also get cash back automatically credited to your account.
Any salaried or self-employed person with an income of Rs. 30,000 per month can apply for this card. It offers cashback of up to Rs. 250 for spending Rs. 2,500 within the first 30 days of card activation. This also provides 5% cashback on booking movie tickets and grocery shopping.
Features:
- Upto Rs. 250 cashback on spending Rs. 2,500 in the first 30 days after card activation
- 1% fuel surcharge waiver of up to Rs. 5,000 at every fuel station all over India
- 5% cashback on bill payments via YES PayNow
- Accidental Insurance cover
- 3.5% interest rate for a cash advance and late payment
- Foreign currency markup fees of 3.40%
- Secured transactions by MasterCard SecureCode
Charges:
- Joining fees: Rs. 1,499
- Renewal fees: Rs. 1,499
Read more: IDFC Credit Card Apply: Check Eligibility and Apply Online
YES Bank Credit Card Benefits
You can get these benefits while using Yes Bank credit cards.
- Cashback of Rs. 250 up to Rs. 1250 for transactions made within the first month of card activation
- Amazing rewards on transactions for movie tickets, dining, bill payments, shopping, and more
- Easy to redeem rewards points without extra charges
- Allows to convert large transactions into easy EMIs for a long period
- Safe and secured payments and transactions
- Fuel surcharge waiver of Rs. 400 up to Rs. 5,000
- Free access to MasterCard lounges on select credit cards
- Secured online payments with Mastercard Pin
- The bank also offers American Express Credit Cards for top customers
- Yes Bank provides different types of credit cards
What is the eligibility for a YES Bank Credit Card?
You need to know the YES Bank Credit Card Eligibility before applying for a credit card from Yes Bank.
- A salaried or self-employed person can apply
- For business credit cards, the age of the applicant should be between 21 to 70 years old
- For other cards, the applicant’s age must be between 21 and 60 years
- The required credit score is more than 750
- Required monthly income of Rs. 21,000 to Rs. 60,000 per month
- ITR of Rs. 5 to Rs. 24 lakh rupees
Documents Required to Apply for YES Bank Credit Card
You have to prepare some necessary documents while applying for a YES Bank Card.
Identity Proof:
- Aadhar Card
- Passport
- Voter ID Card
- Driving License
- PAN Card
- Colored photographs
Address Proof:
- Aadhar Card
- Passport
- Driving License
- Electricity bill
- Ration Card
Income Proof:
- Salary slip
- Bank statement
- IT return files
- Form 16
Read more: ICICI Kiosk Banking Registration 2024 | How to get ICICI Kiosk Bank
How to Check YES Bank Credit Card Status?
To get a credit card from Yes Bank, you have to do a Yes Bank Credit Card application. After applying, you can check your YES Bank Credit Card Application Status by following the steps mentioned below.
- Visit Yes Bank’s official website.
- Go to the ‘credit card option
- Now select the ‘check application status’ option
- Enter your application reference number, registered mobile number, and date of birth
- Click on the ‘track status’ button
- After that, you can know the status of your credit card application.
Yes Bank Credit Card Login
After receiving a credit card from YES Bank, you can manage your credit card account with the help of YES Bank Credit Card login.
Below are the steps for Yes Bank Card login.
- Go to the official net banking portal of Yes Bank
- Log in with your user or customer ID and password
- Now go to the credit card section
- You will be redirected to a dashboard
- From this dashboard, you can manage your Yes Bank Credit Card and perform tasks like fund transfers, bill payments, PIN changes, etc.
Reward Points of Yes Bank Credit Cards
We have created a list from which you can know the reward points for different variants of credit cards offered by Yes Bank.
Credit Card | Rewards Points |
YES Prosperity Rewards Plus Credit Card | 12,000 reward points for spending Rs. 3.6 lakh in a year 500 reward points for YES PayNow login 3x reward points on spending Rs. 100 on grocery, departmental stores, etc.2x reward points on spending Rs. 100 on other transactions |
YES FIRST Preferred Credit Card | 8x reward points on spending Rs. for travel, domestic airlines, dining, etc. 4x reward points for spending Rs. 100 on other purchases |
YES Premia Credit Card | 4x reward points for spending every Rs. 100 on grocery, departmental, and dining purchases 3x reward points on spending every Rs. 100 for other purchases |
YES Prosperity Edge Credit Card | 500 reward points for YES PayNow login 4x reward points for spending Rs. 100 on grocery, departmental stores, supermarkets, etc. 2x reward points for spending Rs. 100 on other purchases |
YES Prosperity BUSINESS Credit Card | 10,000 reward points for the first transaction made within 90 days after card activation 500 reward points for YES PayNow login 4x reward points for travel, Airlines, and dining purchases 2x reward points for other transactions |
YES FIRST BUSINESS Credit Card | 20,000 reward points for the first transaction made within 90 days after the Issuance of the card 15,000 reward points for card renewal 8x reward points for spending on travel, flight ticket booking, and dining purchases 4x reward points for spending Rs. 100 on other transactions |
Read more: All Bank Customer Care Number | Customer Care Number of all Banks in India
YES Bank Credit Card Customer Care Number
When you want to know more about YES Bank Credit Card and their application process by customer care representative, then you can contact them through the helpline number mentioned below.
YES Bank Helpline number
1800 1200
1800 103 1212
1800 103 6000
Conclusion
YES Bank Credit Cards are now the most popular credit cards in terms of amazing benefits, cashback, and rewards. YES Bank provides different types of credit cards to fulfil the financial requirements of every kind of customer. Some credit cards come with very low joining fees, annual fees, and interest rates.
If you are looking for a new credit card for yourself, then you can choose the best YES Bank Credit Card by taking a look at the features and benefits of all the cards that we listed above. After selecting a credit card, you can apply online or contact customer care support to help you with the YES Bank Credit Card application.
I hope you enjoyed this post and now you can choose a YES Bank Credit Card. Now we are leaving and will come back with another topic.
People Also Ask
What is the minimum age requirement for a YES Bank Credit card?
To apply for a credit card from YES Bank, the age of the applicant should be between 21 to 60 years old.
Are YES Bank cards lifetime free?
Yes, bank provides different kinds of cards to customers which have different features and benefits. So, some cards are lifetime free while other cards have some joining and annual fees.
Are the transactions of YES Bank cards completely safe?
Yes, all the credit cards of YES Bank offer highly secured online and offline transactions to customers.
How much is the minimum salary requirement for a YES Bank Credit Card?
For credit card applications, your average income should be between Rs. 1.5 lakh to Rs. 25 lakh per annum.
How much is the joining fee for a YES Bank Card?
The joining fees of YES Bank cards start from Rs. 399 to Rs. 10,000 for different types of cards.
Who owns Yes Bank?
Yes Bank was launched by Rana Kapoor and Ashok Kapoor in 2004.
Can I withdraw money by using the Credit Card of YES Bank?
Yes, by visiting the nearest ATM, you can withdraw any amount of money with the help of a YES Bank Card.
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