YES Bank Credit Card: Benefits, Features, and Charges

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

Best YES Bank Credit Cards of 2023

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 Card

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

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

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

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.