Reward Rates:

  • 5.00%

    Earn 5% cashback on Movie, Grocery and Bill Payments.

  • 0.50%

    Earn 0.50% cashback on other transactions.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Cashback on Movies

Save 5% as cashback on movie ticket purchases.

Cashback on Grocery Items

Save 5% as cashback on purchasing grocery items.

Reward Rates:

  • 5.00%

    Earn 5% cashback on Movie, Grocery and Bill Payments.

  • 0.75%

    Earn 0.75% cashback on all other transactions.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 1500/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. 0/-

Cashback on Movies

Save flat 5% or maximum Rs. 100 a month as on movie ticket bookings.

Cashback on Grocery Items

Save 5% or minimum Rs. 100 a month on grocery shopping.

Reward Rates:

  • 1.00%

    Earn 4 Reward Points on your Birthday Spend.

  • 0.75%

    Earn 3 Reward Points on International Spend.

  • 0.50%

    Earn 2 Reward Points on Dining.

  • 0.25%

    Earn 1 Reward Points on all Other Spend.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 250/-
Annual Fee
Rs. 250/-
Annual Rewards
Rs. 2500/-

Bonus Reward on Bill Payment

Earn 500 Bonus Reward Points on each YES PayNow registration.

Reward Rates:

  • 1.25%

    Earn 5 Reward Points on your Birthday Spend.

  • 1.00%

    Earn 4 Reward Points on International Spend.

  • 0.75%

    Earn 3 Reward Points on Dining and Online Spend.

  • 0.50%

    Earn 2 Reward Points on all Other Spend.

Introductry Benefits
Rs. 312.50/-
Joining Fee
Rs. 350/-
Annual Fee
Rs. 350/-
Annual Rewards
Rs. 3000/-

Bonus Reward on Bill Payment

Earn 500 Bonus Reward Points on each YES PayNow registration.

Reward Rates:

  • 0.50%

    Earn 2 Reward Points on each Rs. 100 spend

  • 1.00%

    Earn 4 Reward Points on on Grocery Stores & Supermarkets, Department Stores and Dining.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. /-

Bonus Reward on Bill Payment

Earn 500 Bonus Reward Points on each YES PayNow registration.

Reward Rates:

  • 0.50%

    Earn 2 Reward Points on each Rs. 100 spend.

  • 0.75%

    Earn 3 Reward Points at Grocery Stores and Supermarkets.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 350/-
Annual Fee
Rs. 350/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.75%

    Earn 3 Reward Points on every Rs. 100 spend.

  • 1.00%

    Earn 4 Reward Points on Grocery Stores & Supermarkets, Department Stores and Dining expenditure.

Introductry Benefits
Rs. /-
Joining Fee
Rs. 1500/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. /-

Discount on Movies

Save 25% on BookMyShow Movie Tickets, subject to maximum Rs. 250 benefit each month.

Reward Rates:

  • 0.50%

    Earn 2 Reward Points on every Rs. 100 spend.

  • 1.00%

    Earn 4 Reward Points on Grocery Stores & Supermarkets, Department Stores and Dining expenditure.

Introductry Benefits
Rs. /-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. /-

Reward Rates:

Introductry Benefits
Rs. 3750/-
Joining Fee
Rs. 2500/-
Annual Fee
Rs. 2500/-
Annual Rewards
Rs. 2500/-

Top Picks


Best For Card Name
Fuel No particular card for fuel.
Travel YES Prosperity Edge Credit Card
Family YES Prosperity Cashback Plus Credit Card

Best YES Bank Credit Card for Family: YES Prosperity Cashback Plus Credit Card


Benefits

It is a cashback card offered by YES Bank, which comes with annual cost of Rs. 1500 and offers welcome benefits equal to Rs. 250 in cashback. You earn cashback value equal to 5% on all of your expenses against movie tickets bookings, grocery and bill payments. Apart from it, you get credit shield cover.

Drawbacks

The eligibility criteria is pretty high with minimum monthly income of Rs. 25,000 if you are salaried and minimum annual income of Rs. 5 Lac if you are self-employed.

Bottom Line

The card offers great value of movie and grocery spends along with bill payments. However, it doesn’t offer any annual fee waiver offer, which means if you don’t use it as your primary card then it can be hard for you to get the benefits equal to at least the payable annual charges.

Best YES Bank Credit Card for Travel: YES Prosperity Edge Credit Card


Benefits

The comes with welcome benefits equal to Rs. 325 and offers reward value of upto Rs. 1.50 on each Rs.100. You can redeem these benefits against flight, hotel and movie ticket bookings. Apart from it, you get complimentary airport lounge access along with golf privileges and insurance protection plan.

Drawbacks

The welcome benefits are available only if you spend Rs. 7500 in the first 30 days of card activation. Hence, if you’re unable to reach the conditional spend limit, you won’t get any welcome benefit. Apart from that, the income criteria is pretty high with minimum monthly income of Rs. 60,000.

Bottom Line

The card comes with an annual fee of Rs. 1,000. It is weak on welcome reward benefits, but offers good value on online as well as international transactions. Moreover, you also get the chance to get annual fee waiver by simply spending Rs.6250 or above each month.

View Other YES Bank Credit Cards


YES Prosperity Rewards Plus Credit Card

The card comes with an annual fee of Rs. 325 and offers welcome benefits of Rs. 312. You earn incremental reward value of up to Rs. 1 on your international, online and dining spend which you can redeem gifts and airmiles. Moreover, you save 0.10% on all of your foreign currency transactions.

It comes with 35.88% APR if you’re a yes bank salary or saving account holder, otherwise the APR is equal to 38.64%. However, you must be earning minimum monthly income of Rs. 25,000 if you are salaried and minimum annual income of Rs. 5 Lac if you are self-employed, which seems quite high as compared to the benefits offered.

YES Prosperity Rewards Card

This card comes with an annual cost of Rs. 250 only and offers conditional benefits equal to Rs. 250 on joining. You can earn incremental reward benefits of up to Rs. 0.75 against international, online and dining expenses, and up to Rs. 1 against your birthday related expenses. Apart from it, you save 0.10% on all of your expenses made in any foreign currency.

The income eligibility criteria is pretty high with minimum Rs. 25,000 per month if you are salaried and minimum Rs. 5 Lac per annum if you are self-employed.

YES Prosperity Rewards Plus Card (Against FD)

It is secured credit card offered by YES Bank, comes with welcome benefits of Rs. 312. The card comes with an annual cost of Rs. 325 and get to earn incremental reward value of up to Rs. 1 on your international and online expenses. Moreover, you earn reward value of Rs. 1.25 against all of your birthday related expenses and save 0.50% on your foreign currency transactions.

It comes with 35.88% APR. However, you must have a fixed deposit account in YES Bank of minimum Rs. 50,000.

YES Bank Credit Card Eligibility


Eligibility Criteria
Age 21 to 60 Years
For Primary Cardholder
Minimum 1 Years
For Add-on Cardholder
  • The minimum age of an applicant should not be less than 21 years.
  • The maximum age of an applicant should not be more than 60 years.
  • The minimum age of an add-on cardholder should not be less than 18 years.

YES Bank Credit Card Documentation


  • PAN card photocopy or Form 60
  • Colour photographs
  • Latest payslip/Form 16/IT return copy as proof of income
  • KYC Documents

YES Bank Credit Card Bill Payment


YES Bank offers various methods to its credit cardholders to pay YES Bank credit card bills including both online as well as offline methods.

YES Bank Credit Card Bill Payment through YES Bank Netbanking

  • Click here go to the Yes Bank Billdesk page to pay your Yes Bank credit card bills.
  • Enter your 16 digits Yes Bank credit card number and the amount you want to pay.
  • Select the Bank from which you want to pay this payment and then click on the Pay Now button.
  • Confirm the payment amount and your bank account from which you would like to pay the payment.
  • Enter your Net Banking user ID and password to complete the process.
  • Receive the acknowledgement.

Yes Bank Credit Card Bill Payment Through NEFT

  • Login your other bank's Net Banking account with your user ID & password.
  • Go to the Fund Transfer tab and then select the NEFT fund transfer.
  • Add your YES Bank credit card as beneficiary. Use IFSC Code YESB0CMSNOC for the NEFT Payment.
  • Check the Terms and Conditions and confirm all the details.

Yes Bank Credit Card Bill Payment Through Standing Instructions

  • Visit your Yes Bank home branch.
  • Submit a written standing instructions at your Yes Bank Branch with the mode of payment such as minimum payment or full payment.
  • submit your written standing instructions at your Yes Bank Branch with the mode of payment such as minimum payment or full payment.

Yes Bank Credit Card Bill Payment Through Yes Mobile App

  • Click here to download and install Yes Mobile Banking Application on your mobile phone.
  • To access the Yes Mobile application, you need to register to the Mobile Banking with your Net Banking user ID & password.
  • Create the APIN (Application Personal Identification Number) for login to app. Also, create the MPIN (Mobile Personal Identification Number) for login to the transaction from app.
  • After successful login with your APIN, your account summary page will be opened.
  • After that, click on the Bill Payment tab to pay your Yes Bank credit card bills.

Yes Bank Credit Card Bill Payment Through Yes Pay

  • Click here to go to Yes Pay portal to pay your Yes Bank credit card bill.
  • Now select your biller under the credit card section and click on it.
  • Now enter the correct payment details of your Yes Bank credit card and then click on the Submit button.

Yes Bank Credit Card Bill Payment Through Cash

  • Go to your nearest Yes Bank Branch with your credit card details.
  • Fill the cash deposit slip.
  • deposit the cash with your slip at the cash deposit counter and collect the receipt of your cash deposit as a evidence.

Yes Bank Credit Card Bill Payment Through Cheque

  • Enter your 16 digits Yes Bank credit card number and payment amount on the cheque. Also, mention your name and your mobile number on the back side of the cheque.
  • Drop the cheque into dropbox available at your nearest Yes Bank Branch or ATM.

Yes Bank Credit Card Bill Payment at nearest YES Bank ATM

  • Go to your nearest Yes Bank ATM
  • Insert your Yes Bank debit card into the ATM machine. Select the Other Services option and then click on the Bill Pay option.
  • Enter your 16 digits Yes Bank credit card number and the amount to be paid.

YES Bank Credit Cards – Other Charges


Charge Amount
Foreign transaction fee 3.4% of the transaction amount in Indian Rupee
Late Fee Zero to Rs. 700
Minimum Payment 5% of the outstanding balance
Over-limit fee 3% of the overlimit amount
Returned payment fee Rs. 300 per instance

How To Apply for an YES Bank Credit Card?


  • Select an YES Bank Credit Card as per your preferences from above.
  • Click on “Get Started” and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from YES Bank.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.

Credit Card
1 4 5
2019-09-23

Yes Prosperity Plus Credit Card

I have been Yes Bank Credit for over two years now. Yes Bank does charge hefty penalties and the card is low on rewards; However, if you are not going to spending a lot on your credit card. It's a fine card to carry.

Credit Card
1 5 5
2019-10-19

Small Savings

Yes Bank Credit Card offers really small savings. On Movie Tickets you save about Rs. 7.50 per movie Ticket, which is fine. But where this card gets really frugal is other spends. You get a cash back of Rs. 100 maximum.