YES Bank Credit Cards

The YES Bank is known for offering a variety of credit cards suiting the needs of businesses and individuals. YES Bank credit card comes with a variety of benefits and rewards across entertainment, dining, golf, and more. The business credit cards from YES bank are designed for offering convenience to businesses in the form of fuel, travel, lounge access, and concierge privileges.

The eligibility criteria to apply for YES Bank

  • The minimum age to apply for a YES Bank Credit Card is 21 years and the maximum is 65 years
  • Must have a stable monthly income. The minimum monthly income should be Rs 25000 per month
  • Good credit score. It should be either 700, or above
  • Must be a citizen of India
  • You should be a salaried or self-employed individual.
  • Your Income Tax returns must be Rs.5 lakh or above.

Documents required to apply for YES Bank Credit Card

Below is the list of documents required to avail of a credit card from YES bank

  • One must have a valid KYC document such as a Voter Id card, Aadhaar Card, Passport, Driving License, etc.
  • Permanent Account Number (PAN) card or Form 60 if PAN is unavailable.
  • Income proof such as salary slips and income tax returns.
  • Bank or credit card statements.

Features of YES Bank Credit Card

Rewards Program You can enjoy rewards on the array of expenses based on the card you are using. Whether it’s buying groceries, movie tickets, or enjoying fine dining, you can earn points or cashback on these transactions.
Lifestyle privileges and benefits Experience a world of benefits like free airport lounge access, insurance coverage, golf course access, fuel surcharge waivers, and more. Through YES Privileges, you also enjoy promotional offers on shopping, wellness, dining, travel, and more.
Easy Bill payments Use YES PayNow to pay all your utility bills through standing instructions. You can pay your mobile, telephone, rent, electricity, insurance, broadband, and gas bills. Besides the convenience, you will also earn reward points on these transactions, based on the card you have

Popular types of YES Bank Credit Cards

  • Shopping Card
  • Cashback Card
  • Rewards Card
  • Travel Card
  • Life-Time Free Card
  • Business Card
  • Lifestyle Card
  • Entertainment Card

Popular YES Bank Credit Cards

Credit cards Annual fee Best Suited for
YES First Preferred NIL Rewards
YES Prosperity Edge Rs 1199 Rewards
YES Premia Credit Card Rs 1599 Travel
YES Prosperity Reward Plus Rs 499 Rewards
YES First Business Card Rs 4999 Rewards
YES Prosperity Business Card Rs 2499 Rewards
YES Prosperity Rewards Credit Card Rs 299 Rewards
YES Prosperity Cash Back Credit Card Rs 999 Cashback
YES Prosperity Cash Back Plus Credit Card Rs 1499 Cashback
YES Private Credit Card Rs 10,000 Lifestyle
YES First Exclusive Credit Card Rs 9999 Travel

YES Bank Credit Card fee and charges

Category Amount rate
Annual/ Renewal Fee Varies from card to card
Extended credit interest free period Up to 50 days applicable to the retail purchases and if previous months’ outstanding balance is paid
Extended credit charges Up to 3.5% per month to 42% per annum
Extended credit amount due 5% of Total Outstanding Amount / Min. Rs. 200
Cash Advance Limit Up to 30% of the credit limit
Cash Advance Fee Up to 3.5% per month to 42% per annum
Reward redemption fee Rs 100 per redemption request
Late Payment fee Statement Balance:
Less than Rs. 100 – Nil
Between Rs. 100 & Rs. 500 – Rs. 100
Between Rs. 501 & Rs. 5,000– Rs. 400
Between Rs. 5,001 & Rs. 20,000– Rs. 500
Over Rs. 20,000 – Rs. 700
Foreign Currency conversion charge Varies from card to card

Ways to increase YES Bank Credit Card limit

The credit card limit on YES Bank is decided by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery. The customers who are willing to increase the credit card limit can request the bank in writing. To increase the limit, the bank will ask the customer to submit the required documents like salary slips, bank statements, income tax returns, etc. However, the credit limit increase is determined at the sole discretion of the bank.

How to apply for YES Bank Credit Card via IndiaLends

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred YES Bank credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

How to apply for YES Bank Credit Card on their official website?

  • Visit the official website of YES BANK
  • Click on the ‘Credit Cards’
  • Click on the ‘Apply Now’ button
  • Fill in your personal and income details
  • Submit the application
  • The executive will come to pick the necessary documents
  • The bank would verify the details properly before approving the application