Yes Bank Credit Card

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Types of Yes Bank Credit Card

Name Joining Fees Benefits Rewards Rate of Interest
YES PROSPERITY EDGE Rs 399
  • Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India
  • One complimentary access to an Indian domestic airport lounge every calendar quarter for the Primary Cardmember.
  • 4 Reward Points for every INR 200
  • 8 Reward Points on every INR 200 on Travel & Dininga Spend
3.60% per month (43.2% annually)
YES PROSPERITY REWARDS PLUS Rs 399
  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000.
  • Avail great offers across travel, dining, shopping, wellness and more, in select cities.
  • Credit Shield cover in case of accidental death of Primary Cardmember.
  • 4 Reward Points for every INR 200 on all categories other than ‘Select categories’ Accelerated rewards point on select transactions on YESCART
3.60% per month (43.2% annually)
YES PROSPERITY REWARDS Rs 399
  • 1 Reward Point for every INR 200 on Select categories
  • 2 Reward Points for every INR 200 on all categories other than ‘Select categories’
  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
3.60% per month (43.2% annually)
WELLNESS PLUS Rs 1499
  • Complimentary annual preventive Health Check-up (up to 31 parameters)
  • Complimentary annual Eye & Dental Check-up Unlimited consultation with General Practitioner, Specialist & Nutritionist through App
  • 30 Reward Points per INR 200 spent on to Chemist/ Pharmaceutical stores.
  • 6 Reward Points per INR 200 spent on all other categoriesc
3.5% per month (42% annually)
WELLNESS Rs 749
  • 6 Complimentary Fitness sessions (Gym,Yoga,Zumba, etc.) per month
  • Unlimited consultation with General Practitioner, Specialist & Nutritionist through App
  • 4 Reward Points per INR 200 spent on all other categories
  • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)
3.5% per month (42% annually)
FINBOOSTER NIL joining fees
  • Avail great offers across travel, dining, shopping, wellness and more, in select cities
  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
  • No capping & Never expiring reward points
  • 5X reward points on online Dining spends
  • 3X reward points on online Grocery and online Apparel spends
  • 2 reward points per INR 200 (1X) on all other retail spends (except fuel spends)
3.5% per month (42% annually)
YES FIRST EXCLUSIVE Rs. 1999
  • Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India
  • Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India.
  • 24 Reward Points on every INR 200 on Travel & Dininga Spends (Capped at 5,000 Reward Points per statement cycle) 12 Reward Points on every INR 200 on all categories
2.99% per month (35.88% annually)
YES FIRST PREFERRED Rs. 999
  • Exclusive Catalogue of Products
  • 16 Reward Points on every INR 200 on Travel & Dininga Spends (Capped at 3,000 Reward Points per statement cycle) 8 Reward Points on every INR 200 on all categoriesc (4 Reward Point for every INR 200 on Select categoriesb) Accelerated rewards point will continue to be offered on select transactions on YESCART
3.60% per month (43.2% annually)
YES PREMIA Rs. 999
  • Save 25% on movie tickets purchased with BookMyShow.
  • Utilize the fuel surcharge waiver applicable at all fuel outlets in India for transactions between Rs.400 and Rs.5,000 to reduce your fuel costs.
  • 6 Reward Points for every INR 200 on all categoriesb other than ‘Select categories’
  • 3 Reward Point for every INR 200 on Select categoriesa Accelerated rewards point will continue to be offered on select transactions on YESCART
3.60% per month (43.2% annually)
YES PRIVATE Rs. 50000
  • Get Upto 2% Cashback on domestic and 3% Cashback on international spends as Reward Points
  • 1.75% Foreign Currency Mark up charges on all international spends
  • Oberoi E-Gift Vouchers worth INR 9,000
  • Get 16 Reward Points on domestic and 24 Reward Points on international spends for every INR 200
2.99% per month (35.88% annually)
YES PRIVATE PRIME Rs. 20000
  • Get Upto 2% Cashback on domestic and 3% Cashback on international spends as Reward Points
  • 1.75% Foreign Currency Mark up charges on all international spends
  • Oberoi E-Gift Vouchers worth INR 9,000
  • Get 16 Reward Points on domestic and 24 Reward Points on international spends for every INR 200
2.99% per month (35.88% annually)

How to apply for Yes bank credit card?

To apply for a credit card online, you can follow the below steps:

Step 1 : Compare all Yes Bank credit card options available to you.
Step 2 : Select the option that is most viable to you, based on your requirements.
Step 3 : Check your eligibility, and if yes, then fill in the personal details in Yes Bank App into the credit card application form.
Step 4 : Depending upon your monetary history, you may get instant credit card approval and enjoy the benefits.

Eligibility criteria for Yes Bank Credit Card

Age

  • Minimum: 21 years or above and 18 in some exceptional cases.
  • Maximum: 65 years

Income

  • Minimum: 25k Monthly Income

Credit Score

  • The potential cardholder must have a CIBIL score of 750 or above.

Nationality

  • Issued to both Indian and Non-Residential Indian (NRI).

Documents required for Yes Bank Credit Card

Mandatory Documents

  • Recent coloured photos
  • Photocopy of PAN or Aadhar card

Identity proof

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving License
  • Voter Id

Address Proof

  • Registered Rent Agreement or Lease Agreement
  • Aadhar card
  • Passport
  • Ration Card

Income Proof

  • Salary Certificate
  • Recent salary slip or business continuity proof
  • Employment letter
  • Form 16 / IT Returns

F.A.Q

  • For metro cities, the potential Yes Bank holder must earn a minimum of 25,000; for non-metro cities, it varies between 10,000 to 15,000, depending upon the individual and the bank.

  • Usually, the interest rates depend upon the billing cycle and due to repayment. So, if you pay before the due date, there are no charges, and if you make a partial payment, your bill will attract interest. The interest rate varies accordingly but usually summarizes 3% to 5%.

  • The minimum CIBIL score is 750 or above.

  • If you have a low CIBIL score, then there is the possibility that the bank will issue you regular credit. But in some exceptional cases, you can get an add-on or secured credit card.

  • The banks evaluate the credit card at the time of its renewal. So, based on your repayment history, the bank decides to increase or decrease the card limit.