Yes Bank Credit Card Apply 2024 Review – Types, Details & Benefits

Yes Bank Credit Card Apply 2024 Review – Types, Details & Benefits: Hi friends, if you are thinking of taking a credit card from any bank, then you can consider the credit card of YES Bank. Before applying for a credit card, you need to know what is a credit card?

The advantages of Yes Bank credit card are many. With the help of credit card, you can do many types of online and offline transactions. In this article, we will know in detail what is Yes Bank Credit Card, eligibility for this card, what are the documents and how can we apply for this card etc., so you read this article till the end.

YES Bank Credit Card Review

Before applying for Yes Bank card, we need to know what is a credit card. A credit card is a financial instrument that allows you to make transactions without making immediate payments. In a credit card, you are given a limit by the bank. You cannot do transactions above this limit. This limit is called the credit card limit (YES Bank Credit Card Limit).

This limit given under the credit card is given to the applicant on the basis of his CIBIL score, income, credit history. If your CIBIL score is very good and your income is very high then you can get the card of higher limit. After a certain period you have to pay your card bill which is called Yes Bank Credit Card Payment.

You can apply for Yes Bank credit card both online and offline. If you are facing any kind of problem in making credit card then you can also get information by calling Yes Bank credit card customer care number. YES Bank offers many types of cards according to the needs of the customers, you can apply for the card you are eligible for.

YES Bank Credit Card Eligibility to Apply

Only those people can apply for the credit card who are eligible for it. The eligibility may be different for different cards. To apply you must have the following eligibility:

• Any salaried or self-employed person can apply for a credit card.
• Your minimum age should be 21 years to apply.
• The minimum income of a salaried person should be Rs 25,000 per month.
• Minimum income tax return of Rs 50 lakh for self-employed applicants.
• Your CIBIL score should be very good. Generally a score of 750 or above is considered a good score.

Document Need for YES Bank Credit Card

Before applying for a credit card, you should keep all your necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. There may be different documents for different cards. You can also get more information about the document by visiting your nearest bank branch. Following are the documents required to apply for a credit card:

• Proof of Identity: Aadhar Card, PAN Card, Ration Card, Driving License, Voter ID Card, Passport etc.
• Address Proof: Electricity Bill, Landline Telephone Bill, Passport, Ration Card etc.
• Income Proof for Salaried Applicants – Latest Salary Slip
• Income Proof for Self Employed Applicants – Recent IT Returns
• Form 60, Photo
• Other Documents.

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Yes Bank Credit Card Types

The bank offers various types of credit cards according to the needs of the customers. Different cards may have different benefits and features. You can find out the best YES Bank Credit Card by comparing different Yes Bank credit cards. These credit cards are as follows:

• YES Private Credit Card (By Invitation Only)
• YES Private Prime Credit Card (By Invitation Only)
• YES First Exclusive Credit Card
• YES First Preferred Credit Card
• YES Premia Credit Card
• YES First Business Credit Card
• YES Prosperity Business Credit Card
• YES Finbooster Credit Card
• YES Wellness Credit Card
• YES Wellness Plus Credit Card
• YES Prosperity Edge Credit Card
• YES Prosperity Rewards Credit Card
• YES Prosperity Rewards Plus Credit Card
• YES Prosperity Cashback Credit Card
• YES Prosperity Cashback Plus Credit Card

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Yes Private Credit Card (by invitation only):

This credit card brings many benefits to the customers. Here are the benefits and features of this card:

Benefits and Features:

• Get 25,000 Reward Points as welcome reward on the first day of the card.
• Get 3 Reward Points for every Rs.100 spent on International Spending and 2 Reward Points for every Rs.100 spent on Domestic Expenses.
• Join and avail Oberoi e-Gift vouchers worth INR 9,000 as an annual benefit.

Yes Private Prime Credit Card (by invitation only):

Benefits and Features:

• Avail 10,000 reward points as welcome benefits on your first transaction.
• 100 every Rs.100 on international expenses. Get 3 Reward Points on Rs.100 spent on household expenses and 2 Reward Points for every Rs.100 spent on household expenses.
• Join and avail Oberoi e-Gift vouchers worth INR 9,000 as an annual benefit.

Yes First Exclusive Credit Card:

YES First Exclusive Credit Card is made for special people. This card is bestowed with lifestyle benefits, powerful rewards and utmost protection. The benefits and features of this Yes Bank credit card are as follows:

Benefits and Features:

• Forex markup is only 1.75%.
• 3 complimentary domestic airport lounge visits in India per calendar quarter for Primary Cardmember
• 100 each on all categories except ‘Select Categories’. Avail 12 Reward Points on spending Rs.
• Avail 25,000 bonus reward points every year for spending 20 lakhs or more.
• Life insurance cover of Rs 3 crore in case of death due to flight accidents.
• Medical insurance cover of Rs 50 lakh for emergency hospitalization while traveling abroad.
• Credit shield cover of up to Rs 10 lakh in case of sudden death of the card holder.
• The interest rate on revolving credit, cash advance and overdue amount is 1.99% p.m.
• 1% fuel surcharge waiver on transactions between Rs.400 to Rs.5000 across the country.

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Yes First Preferred Credit Card:

Benefits and Features:

• 200 each on all categories. Benefit of 8 reward points on spending of Rs.
• Avail 20,000 Bonus Reward Points every year for spending Rs.7.5 lakh or more.
• 2 complimentary domestic airport lounge visits in India per calendar quarter for the Primary Cardmember.
• Avail 4 Reward Points for every Rs.200 spent on select categories.
• Forex markup is 1.75%.

Yes Premium Credit Card:

Benefits and Features:

• Avail 6 Reward Points for every Rs.200 spent on all categories.
• Get 25% off on movie tickets booked on BookMyShow website or mobile app.
• Enjoy a complimentary golf lesson every calendar month at select golf courses in India.

Yes First Business Credit Card:

Benefits and Features:

• Avail 8 Reward Points for every Rs.200 spent on all categories.
• Avail 20,000 Reward Points on the first transaction within 30 days of card issuance.
• Avail 20,000 reward points every year for spending 12 lakhs or more.
• Self-employed, proprietors and partners of partnership firms are eligible for this card.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• 1.75% forex markup.
• 1% fuel surcharge waiver.
• Air accident cover of Rs 1 crore.
• 25 lakh on medical emergency while traveling abroad. cover of.
• Credit shield cover on sudden death of the cardholder.

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Yes Prosperity Business Credit Card:

Benefits and Features:

• Avail 4 Reward Points for every Rs.200 spent on all other categories.
• Avail 10,000 Reward Points within 30 days of card issuance.
• Avail 10,000 Reward Points every year for spending 6 lakhs or more.
• Avail 2 Reward Points for every Rs.200 spent on select categories.
• 2.50% forex markup.
• Avail the benefit of 1% fuel surcharge waiver.

Yes FinBooster Credit Card:

Benefits and Features:

• Avail 5X reward points on online dining spends.
• Raise your credit score – Credit empowered subscription for customers with a real-time dashboard.
• Lifetime Free Credit Card (YES Bank Lifetime free Credit Card) – Enjoy zero first year and renew membership fee.

Yes Wellness Credit Card:

Benefits and Features:

• Avail the benefits of complimentary annual preventive health check-up (25 parameters), eye and dental check-up.
• Avail 20 Reward Points for every Rs.200 spent at Chemist/Pharmaceutical Stores.
• Get the benefits of 6 complimentary fitness sessions (gym, yoga, zumba, etc.) per month.
• Benefit of Credit Shield cover in case of sudden death of the cardholder.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• 400 Rs. Benefits of 1% fuel surcharge waiver on transactions between Rs.5000 to Rs.

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Yes Wellness Plus Credit Card:

Benefits and Features:

• Benefit of complimentary annual preventive health check-up, eye and dental check-up.
• Avail 30 Reward Points for every Rs.200 spent at Chemist/Pharmaceutical Stores.
• Get benefits of 12 complimentary fitness sessions (gym, yoga, zumba, etc.) per month.
• Avail 6 Reward Points for every Rs.200 spent on all other categories.
• Benefit of 1% fuel surcharge waiver.

Yes Prosperity Edge Credit Card:

Benefits and Features:

• Avail 4 Reward Points for every Rs.200 spent on all categories.
• Avail 15,000 bonus reward points every year for spending 6 lakhs or more.
• Enjoy 4 complimentary rounds of green fees per calendar year at select golf courses in India.
• Avail 2 reward points for every Rs.200 spent on select categories.
• Air accident life insurance cover of Rs 50 lakh.
• Insurance cover of Rs.15 lakh for emergency hospitalization while traveling abroad.
• Benefit of Credit Shield cover in case of sudden death of the cardholder.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• Forex markup only 3%

Yes Prosperity Rewards Credit Card:

Benefits and Features:

• Avail 10,000 Bonus Reward Points every year for spending Rs.1.8 lakh or more.
• Avail 2 Reward Points for every Rs.200 spent on all categories.
• 1% fuel surcharge waiver across all fuel stations in India for transactions between Rs.400 to Rs.5000.
• Avail 1 Reward Point for every Rs.200 spent on select categories.
• 3.5% p.m. interest rate on revolving credit, cash advance and overdue amount.
• Forex markup of 3.40%.

Yes Prosperity Rewards Plus Credit Card:

Benefits and Features:

• Avail 4 Reward Points for every Rs.200 spent on all categories.
• Avail 12,000 Bonus Reward Points every year for spending Rs.3.6 lakh or more.
• Avail instant reward points on select transactions on YESCART.
• Avail 2 reward points for every Rs.200 spent on select categories.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• Benefits of 1% fuel surcharge waiver at all fuel stations in the country on transactions of Rs.400 to Rs.5000.

Yes Prosperity Cashback Credit Card:

Benefits and Features:

• Get Rs.250 cashback on spend of Rs.2,500 in first 30 days of card set up.
• Avail 5% cashback on movie ticket booking, grocery shopping.
• Benefits of 1% fuel surcharge waiver across all fuel stations in India on transactions of Rs.400 to Rs.5000.
• Get 5% cashback on grocery shopping.
• Avail 0.50% cashback on all other retail spends.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• Forex markup of only 3.40%.

Yes Prosperity Cashback Plus Credit Card:

Benefits and Features:

• Avail Rs.250 cashback on spending of Rs.2,500 in the first 30 days of card set-up.
• Avail 5% cashback on movie ticket booking, grocery shopping.
• Avail 1% fuel surcharge waiver on transactions of 400 to 5000 across all fuel stations in India.
• The interest rate on revolving credit, cash advance and overdue amount is 3.5% p.m.
• Forex markup of only 3.40%.

Yes Bank Credit Card Fees and Charges

On or after taking a credit card, you have to pay many types of charges which are different for different cards. You can also contact the bank for more information about the charges. Here is the information about the charges:

Card Name	First year membership fee	Renewal membership fee
Yes Private Credit Card	50,000 + applicable taxes	Rs.10,000 + applicable taxes
Yes Private Prime Credit Card	Rs 20,000 + applicable taxes	Rs.10,000 + applicable taxes
Yes First Exclusive Credit Card	Rs.999 + applicable taxes	Rs.999 + applicable taxes
Yes First Preferred Credit Card	Rs.999 + applicable taxes	Rs.999 + applicable taxes
yes premium credit card	Rs.999 + applicable taxes	Rs.999 + applicable taxes
Yes Prosperity Edge Credit Card	Rs.399 + applicable taxes	Rs.399 + applicable taxes
Yes Prosperity Rewards Plus Credit Card	Rs.399 + applicable taxes	Rs.399 + applicable taxes
Yes Prosperity Cashback Credit Card	Rs.999 + applicable taxes	Rs.999 + applicable taxes
Yes Prosperity Cashback Plus Credit Card	Rs 1,499 + applicable taxes	Rs 1,499 + applicable taxes
finbooster credit card	zero	zero
wellness credit card	Rs 749 + applicable taxes	Rs 749 + applicable taxes
Wellness Plus Credit Card	Rs 1,499 + applicable taxes	Rs 1,499 + applicable taxes
Yes Prosperity Rewards Credit Card	Rs.399 + applicable taxes	Rs.399 + applicable taxes
first business credit card	Rs.999 + applicable taxes	Rs.999 + applicable taxes
Prosperity Business Credit Card	Rs.399 + applicable taxes	Rs.399 + applicable taxes

How to Apply Yes Bank Credit Card?

If you fulfill all the conditions of this card then you can apply for it both online and offline. Follow the steps given below to apply:

YES Bank Credit Card Online Apply

• To apply online, you have to first go to the official website of Yes Bank, yesbank.in.
• On the home page of the website, you will see the option of credit cards, click on it.

• After clicking, the list of all the cards will open in front of you on the next page.
• Click on the card you want to apply for.
• To apply, click on the option of Apply Now.
• The form will open in front of you.
• Enter the requested information in it and click on submit.
• After this the bank officials will contact you and issue the further process.

How to apply offline?

• To apply offline, you have to first go to your nearest YES Bank branch.
• Contact the official of the bank who will provide you complete information about the credit card.
• Then it will verify your documents and give you a form which you have to fill.
• Submit the documents and forms to the bank.
• If you fulfill all the conditions then you will be issued the card.

How to check YES Bank Credit Card Status?

If you have applied for your credit card then you can track the status of your application both online and offline. Offline you can find out by visiting your nearest bank branch. Apart from this, you can also check the status of your application by calling the customer care number of the bank. Follow the steps given below to check your Yes Bank credit card status online:

• First of all you have to go to the official website of Yes Bank.
• After that click on the option of Credit Cards.
• On the next page you will see the option of Application Status, click on it.
• After coming to the next page, you can check the status of your application by entering your mobile number, application number or reference number.

Yes Bank Credit Card Payment

Whatever transaction you do with the help of your credit card, you have to pay it at the end of the month. You must pay your credit card bills on time. You can make payment through several modes which are given below:

• Net Banking: You can easily make payments by logging into YES Bank Net Banking.
• ATM Fund Transfer: You can transfer funds from Yes Bank to your current account or savings account to your credit card from any ATM.
• Through NEFT/IMPS/RTGS: You can pay your credit card bill through NEFT/IMPS/RTGS fund transfer mode from other banks.
• Check Payment: You can drop the check at any of the drop boxes of the bank in your city and make the payment through it. Please write your mobile number and your name on the back of the cheque.
• Cash Payment: You can pay cash by visiting the branch of the bank.
• YES Bank Mobile App: You can pay through your savings account or any other bank account from the bank’s mobile app.
• You can make payment through UPI.
• Yes Robot: You can pay your credit card bill using the BillDesk facility using Yes Bank account or any other bank account.

Yes Bank Credit Card Customer Care No.

If you are facing any kind of problem in making a credit card or you want to get other information about the card, then you can get information by calling Yes Bank credit card customer care number.

Toll Free Number : 18001031212 / +91 22 49350000

My Last word:

In this article, we have provided you complete information about YES Bank Credit Card. Any person who wants to take a credit card from Yes Bank can read this article and understand the process of applying for a credit card. Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

Some FAQ’s on Yes Bank Credit Card