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YES Bank Credit Card

Apply online for YES Bank Credit Card: Check your YES Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works



Apply for a Credit Card online by filling an easy application form.


Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.


Get Approved

Receive approval on your YES Bank Credit Card.

Basic Eligibility Criteria

Good Credit History With No Defaults

Above 21 Years of Age

Self-Employed or Salaried Professional

Savings Account Holder of an Indian Bank or a Multinational Bank in India

Permanent Resident of India

Minimum Annual Income of Rs. 3.6 Lacs

Comparison Table For YES Bank Credit Cards

IndiaLends offers a comprehensive list of YES Bank credit cards online with multiple benefits and offers especially crafted for their customers. YES Bank credit cards come with multiple cash back offers and exciting reward points. The popular types of reward points are: Fuel, Dinning, Movie tickets, Shopping, Premium etc.

Apply for our range of YES Bank Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the ‘YES Bank Eligibility ‘section and compare the range of YES Bank credit cards.

Name of the YES BANK Credit Card Joining Fees Joining Perks Rewards
YES Prosperity Rewards Plus Lifetime Free 1250 Reward Points as a Welcome bonus
  • 12,000 Bonus Reward Points on spends of INR 3.6 Lakhs
  • Insurance cover worth Rs.1 lakh
YES Prosperity Edge Lifetime Free 1500 Reward Points on spends of INR 7,500/-
  • Complimentary Priority Pass Member ship and access to domestic lounge with US$99
  • 500 Reward Points on each YESPayNow registration
  • 15,000 reward points on annual spend of Rs. 6 lacs.
YES FIRST Preferred Lifetime Free 8 Reward Points on spends of Rs. 100/-
  • 5,000 Reward Points as joining perks and 20,000 Reward Points on annual spends of INR 7.5 lacs
  • Complimentary golf lesson and access to airport lounges
  • 20,000 Reward Points on annual spends of INR 7.5 lacs
YES FIRST Business Lifetime Free 20,000 Reward Points worth Rs. 5000 on spendings of Rs. 3 lacs within first 90 days
  • Assured 6 Reward Points per INR 100 of retail spends
  • Assured 9 Reward Points per INR 100 on Online & Dining spends
  • Each Reward Point is worth Rs. 0.25 and never expires
YES Prosperity Business Lifetime Free 10,000 Reward Points worth Rs. 2,500 on spendings of Rs.1 Lakh within first 90 days
  • Assured 4 Reward Points per INR 100 of retail spends*
  • Assured 6 Reward Points per INR 100 on Online & Dining spends*
  • Each Reward Point is worth Rs. 0.25 and never expires

Frequently Asked Questions

General Questions

Q. What are the easy ways to make YES BANK Credit Card Bill Payment?

A. The easy ways to make YES Bank credit card bill payment are as follows:
    1. Net Banking: Simply register for online banking facility and then make credit card payments online.
    2. Funds Transfer: Transfer your funds from Yes bank savings/current account to your credit card account.
    3. Standing Instruction: You can submit instructions to automatically debit the outstanding amount from your Savings/ Current Account.
    1. NEFT: Simply make your payment through NEFT from other bank accounts. Add your YES BANK credit card as your beneficiary and use IFSC: YESB0CMSNOC.
    2. Cheque Payment: You can also make a cheque payment by quoting the 16-digit YES BANK credit card number and drop the cheque at the nearest dropboxes. Don’t forget to mention your name and mobile number on the back of your cheque.
    3. Net Banking: Make payment through any net banking account with the help of BillDesk facility.
    4. Cash: You can also make cash payment at any of the YES BANK branches.
    5. YES Mobile App: Make simple credit card payments with the help of YES Mobile App.
    6. Yes PAY app: YOu can make the credit card payment with any other account using UPI.

Q. How do I contact YES BANK Credit Cards Customer Care?

A. The YES BANK Credit Card Customer Care 'Yes Touch' is available 24X7. You can call the toll free number, 1800-2000 or the non-toll free number +91 22 6121 9000 anywhere from India.

Q. How to redeem Reward Points?

A. Once you accumulate all the reward points, you can use the points against exciting merchandise from their Rewardz catalogue. This could range from anything between vast catalogue of products, gift vouchers, seasonal products, DTH/ Mobile recharge, movie bookings, hotel or airline/bus bookings.
YES BANK NRI Cardmembers can redeem their Reward Points by calling at +91 40 6653 4510 or by sending an email to

Q. How do I increase my Yes bank credit card limit?

A. If you wish to increase your card limit, you can simply put in a request with the required documents which is subject to the limit you wish to seek. Generally, you would be required to provide your income proof to validate the request.

Q. What is Over Credit Limit charge and how is it calculated?

A. Over credit limit charge is a penalty for over utilising your credit limit. This is also known as maxing out a credit card. Overusing a credit card limit leads to an adverse effect in your credit score.

Q. How can I check my credit card usage?

A. You can check your credit card usage by the following methods:
  • Contacting the YES BANK customer care
  • Logging into your credit card account
  • Check the credit card usage on the mobile App
  • Checking the credit card usage on the credit card statement

Q. How many supplementary cards can I have and what are the charges involved?

A. The number of add-on credit cards that can be obtained varies between three to five. However, this is upto the discretion of the bank and can differ from bank to bank. In the case of YES BANK credit card, 3 Add- On Cards can be availed per Primary Card Member account. The charges involved in supplementary credit cards are similar to the charges on the primary credit card.

Q. What should I do if I lose my card or if my card is stolen?

A. In a case where your card is lost, you should immediately report the same to the customer care and block the credit card. This would avoid any fraudulent practices on your card and will protect you from any further transactions.

Q. What are the key charges applicable to credit cards?

A. The key charges applicable to credit cards are joining and annual fee. Although, YES BANK offers lifetime free credit cards to its customers. Please note the charges associated with a credit card depends on how the customer uses the card.

Q. How can I block my credit card?

A. In order to block the credit card, you need to contact the customer service at the toll-free number 1800 103 1212 and at +91 22 4935 0000 when when calling from outside India.

Q. I want to apply for an add-on card, how to do that and to whom add-on card will be given?

A. Add-on credit cards can be given to immediate family members such as Spouse, Parents, Siblings or Children (above 18 years of age) of the Primary Cardmember. To apply for an add-on credit card, you need to fill an add-on credit card application form.

Q. How does a customer cancel the credit card?

A. In order to cancel a credit card, you can follow any of the steps:
  • Calling the customer care
  • A written request to the bank for cancellation
  • Cancellation request through email

Q. When is the late payment fee charged on credit card?

A. A late payment fee is charged on a credit card is when the credit card payment is not made within the due date. For instance, if the due date of repaying a credit card is 5th of every month, a late payment fee is charged when the payment is made after the 5th of the month. Please note a late payment also affects your credit score.

I want to avail the Balance Transfer facility on my credit card. How to place request for Balance Transfer on credit card?

You can apply for a Yes Bank balance transfer credit card through

a) Website: You can visit the Yes Bank website to apply for the balance transfer facility

b) Branch: Visit the local Yes Bank branch to apply for the facility for balance transfer

Credit Card Eligibility Questions

Q. What is eligibility for YES BANK Credit Cards?

A. The following criteria needs to be met to be eligible for YES FIRST Preferred Credit Card:
  • Age Criteria: Minimum 21 years to maximum 60 years
  • Salaried or Self Employed
  • Consistent source of income
  • Relevant documents

Q. What basic documents are required when applying for a YES BANK credit card?

A. The documents required when applying for a YES BANK credit card are:
  1. A copy of your PAN card or Form 60
  2. Photograph
  3. Latest Payslip/ IT Return as proof of income
  4. Address proofs(Electricity Bill, Landline Telephone Bill, Passport, Ration Card)
  5. Identity proof(Aadhaar Card, Passport, Driving License, PAN Card)
Documents required may vary on a case-to-case basis, as this list is indicative. It is advisable to contact to confirm the documents you need to submit alongside your application in your case.

Q. What are the Factors Affecting Yes bank Credit Card Eligibility Criteria?

A. The following factors affect the YES BANK credit card eligibility criteria:
  • Age- Minimum age must be at least 18 years and maximum should be at least 65 years
  • Income- The applicant should earn at least ₹20,000 every month
  • Nationality- The status of belonging of a particular person
  • Documents- Relevant documents that determine the above criteria

Q. How long does it take to apply for and receive a Yes Bank Credit Card?

A. With IndiaLends, it just takes 5 minutes to apply for a YES Bank credit card. However, it generally takes 7-10 days to receive the credit card. Although may vary on a case-to-case basis.

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.