YES Bank Credit Card
YES Bank offers a diverse selection of credit cards to suit individual preferences and requirements. These cards span various categories such as shopping, travel, rewards, cashback, and lounge access. Whether you seek a card with essential benefits and a modest annual fee or a high-end option with exclusive advantages tailored for affluent clients, YES Bank has an option for you. Premium cards provide perks like unlimited airport lounge access, milestone rewards, and lifestyle offers. With YES Bank Credit Cards, you can access tailored features designed to elevate your financial journey. Explore further to discover the features, charges, and benefits associated with YES Bank Credit Cards.
Features and Benefits of YES Bank Credit Card
- A diverse selection of card choices tailored to meet each person’s specific requirements.
- Generous reward programs and cashback offers.
- Comprehensive insurance coverage and travel benefits.
- Contactless payments for convenient and secure transactions.
- Flexible payment options and low-interest rates.
- Access to exclusive dining, shopping, and entertainment privileges.
- Easy online application and quick approval process.
- Fuel surcharge waivers and attractive EMI options.
YES Bank Credit Card Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Varies from one card to another |
| Finance Charges | YES First Exclusive & YES Private: 2.99% p.m. (35.88% p.a.)<br>Others: 3.80% p.m. (45.60% p.a.)* |
| Late Payment Fee : | |
| For outstanding Amount | Fee |
| Less than Rs. 101 | Nil |
| Rs. 101 to Rs. 500 | Rs. 100 |
| Rs. 501 to Rs. 5,000 | Rs. 500 |
| Rs. 5,001 to Rs. 25,000 | Rs. 750 |
| Rs. 25,001 to Rs. 50,000 | Rs. 1,100 |
| Above Rs. 50,000 | Rs. 1,200 |
Eligibility Criteria for YES Bank Credit Card
Age: The age range spans from at least 21 years up to a maximum of 60 years.
Occupation : Both salaried and self-employed individuals.
Income: The minimum monthly salary needed can differ depending on the type of card, but generally, it starts at ₹25,000.
Documents Required for YES Bank Credit Card
- Identity proof such as Aadhar/PAN card, driver’s license.
- Address proof such as electricity/telephone bill, driving licence.
- Evidence of income, including either the most recent one or two salary slips (dated within the last three months), the latest Form 16, and the bank statements from the past three months.
How To Apply for YES Bank Credit Card?
- Visit the official YES Bank website or go to the nearest branch.
- Please input your phone number into the application form to initiate the procedure.
- Verify your number by entering the One-Time Password (OTP) received.
- Check the pre-approved credit card offers available for your number.
- Compare the different card options and choose the one that suits your needs.
- Fill out the application form ensuring that all required details are provided.
- Submit the necessary documents for a seamless processing experience.
List of YES Bank Credit Cards
YES First Preferred Credit Card
- First-year membership fee of INR 999+ applicable taxes is waived on retail spends of INR 50,000/- or more within 90 days of card setup.
- Earn additional 2X reward points.
- Get 8 reward points on every ₹200 spent.
- Instant EMI facility available at 80,000+ stores.
- Medical emergency cover of Rs 25 lakh.
YES Prosperity Cashback Plus Credit Card
- First Year Membership Fee: INR 1499 + applicable taxes.
- Renewal Membership Fee: INR 1499 + applicable taxes.
- Sign-up Bonus: Receive INR 250 cashback upon joining.
- Bonus Earnings: Gain additional cashback on qualifying transactions.
- Fuel Surcharge Exemption: Benefit from waived fuel surcharges at petrol stations in India.
YES Prosperity Cashback Credit Card
- First-year membership fee: INR 999 + taxes.
- Renewal membership fee: INR 999 + taxes.
- Welcome cashback: INR 250.
- Additional cashback available.
- Fuel surcharge waiver at Indian fuel stations.
YES Prosperity Rewards Credit Card
- First-year membership fee of INR 399 + Applicable Taxes waived off if you spend INR 10,000 within 30 days of card setup.
- Accelerated rewards on travel and dining expenses.
- Enjoy 2X additional rewards on your spending.
- Fuel surcharge waiver applicable across India.
YES First Business Credit Cards
- First Year Membership Fee of INR 999+ applicable taxes waived if you spend INR 20,000 or more within 30 days of card set up.
- Receive six free international lounge visits each year (excluding those within India).
- Earn 16 reward points on every ₹200 spent on selected categories.
- Enjoy an attractive Foreign Currency Markup Fee of 1.75%.
- Avail a 1% fuel surcharge waiver on fuel transactions.