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• Welcome and Renewal Reward Points:

  • Earn 10,000 Reward Points on your first transaction done within 30 days of the Card set-up date^a

  • Earn Renewal benefit of 7,500 Reward Points on each renewal^b

• Annual Reward Points:

  • Earn 10,000 Reward Points on annual spends of INR 6 Lakhs or more in each anniversary year^c,*

*Anniversary year is defined as 12 months from the date of set-up or date of renewal

• Reward Points Program w.e.f 15th June 2021:

  • 4 Reward Points for every INR 200 on all categories^c other than ‘Select categories’

  • 2 Reward Points for every INR 200 on Select categories^b

  • 500 Reward Points on each YES PayNow registration^d. Please Click here to know more

• Reward Points Redemption:

  • Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption

  • Exclusive Catalogue of Products to choose from

  • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)

  • Please visit YesRewardz to know more or redeem Reward Points

• Interest Rate on Revolving Credit

  • Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount

• Preferential Foreign Currency Markup

  • Preferential Foreign Currency Markup of 2.50% only

• Priority Pass Membership and Lounge Access:*

  • Complimentary Priority Pass membership for the Primary card member

  • 3 complimentary International lounge access for Primary Cardmembers in a calendar year

  • Lounge access fee of US $27+GST will be applicable for:

    • All visits to lounges in India for Primary Cardmembers

    • Any accompanying/additional guests across international lounges and lounges in India

    • Usage from the 4^th visit onwards for Primary Cardmembers

* Priority Pass membership is applicable only for the Primary Cardmember, and is non-transferable to any other person(s)

To apply for your Priority Pass membership, please download the Application Form from website (Form Center) and send it to the address mentioned on the form. For the list of lounges, Please visit www.prioritypass.com

• MasterCard Lounge Program#

  • Primary Cardmembers enjoy Domestic Lounge access, limited to 2 visits per quarter (with effect from 15^th June 2021, will be 1 visit per quarter), across 30+ lounges in India. Please click here to know more

#The list of lounges may be changed by MasterCard at its discretion and without any prior notice to YES BANK or its card members.

• MasterCard World Golf Program

  • Waiver of green fee at select golf courses^## in India

  • Enjoy one complimentary golf lesson every calendar month

  • For bookings, customer may contact MasterCard Golf Concierge on 1800 102 6263

## The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Click here to know more

• Insurance Coverage

  • INR 50 Lakhs Air accidental cover in case of death due to a flight accident^g

  • INR 15 Lakhs cover on medical emergencies, while travelling overseas^g

  • INR 2.5 Lakhs credit shield cover on accidental death of Primary Cardmember

For more details click here

• Fuel Surcharge Waiver**

  • 1% Fuel surcharge is waived across fuel stations in India for transactions between INR 400/- to INR 5,000/-

** Total waiver in a statement cycle is capped at INR 500. Only the surcharge component will be waived off, GST as levied on surcharge will not be waived off. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks.

• Contactless Card Technology

  • YES Prosperity BUSINESS Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards

• MasterCard® SecureCode

  • Secure your online transactions with MasterCard® SecureCode™

  • Click here to create your 3D Secure Password

• Password for IVR transactions

  • To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS ‘YESIVR<space> last 4 digits of your YES BANK Credit Card number’ to 9212738927 from your registered mobile number.

  • For more details please click here

• Enjoy below services on your Credit Card

1. Applicable for retail transaction only. This feature is applicable on cards with annual membership fee

2. This feature is applicable on renewal membership fee realization

3. Applicable for retail transaction only

4. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard as per the table below, referred to as Select categories. Not valid on EMI on Call & Instant EMI transactions

   MCC	Description
   4111	Transportation—Suburban and Local Commuter Passenger, including Ferries
   4121	Limousines and Taxicabs
   4131	Bus Lines
   4900	Utilities—Electric, Gas, Heating Oil, Sanitary, Water
   5411	Grocery Stores, Supermarkets
   5960	Direct Marketing—Insurance Services
   6300	Insurance Sales, Underwriting, and Premiums
   8211	Schools, Elementary and Secondary
   8220	Colleges, Universities, Professional Schools, and Junior Colleges
   8241	Schools, Correspondence
   8244	Schools, Business and Secretarial
   8249	Schools, Trade and Vocational
   8299	Schools and Educational Services—not elsewhere classified
   9211	Court Costs Including Alimony and Child Support
   9222	Fines
   9311	Tax Payments
   9399	Government Services—not elsewhere classified
   9402	Postal Services—Government Only
   9405	Intra-Government Purchases—Government Only
   4784	Bridge and Road Fees, Tolls
   5499	Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

5. Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance, Fee and Charges, Priority Pass charges and EMI on Call & Instant EMI transactions

6. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments. Additionally, please note (i) De-registration of a biller within 6 months of YES PayNow registration will result in reversal of bonus reward points earned for that particular biller registration (ii) De-registration of a biller post 6 months of YES PayNow registration, followed by re-registration of the same biller, will not earn any bonus reward points

7. Applicable only when the flight is booked on your YES Prosperity BUSINESS Credit Card

8. In case of lost /stolen card or any suspicious transaction on your YES BANK credit card, you can block your card immediately by sending an SMS. SMS BLKCC <Space><Last 4 digits of card number> to 9840909000 from your registered mobile number

Click here for value chart

Annual membership fees

First Year Membership Fee of Rs 2,499 + Applicable Taxes

Renewal Membership Fee of Rs 2,499 + Applicable Taxes

Easy ways to make YES BANK Credit Card Bill Payment

You can pay your YES BANK Credit Card Bill through the following convenient channels

1) For YES BANK Account Holders:

• Net Banking: Register yourself for the YES BANK Net Banking facility and make Credit Card payments online. Click here to visit Net Banking

• ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM

• Standing Instruction: You can submit written instructions to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account

2) For All Customers:

• For NEFT/IMPS/RTGS mode of payment - You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC

• Cheque Payment: You can make your YES BANK Credit Card payment by cheque, quoting your 16-digit YES BANK Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please do mention your name and mobile number on the back of the cheque

• Net Banking: Make payment through any bank Net Banking account using BillDesk facility. Click here

• Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the Schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments

• YES Mobile App: You can pay through your YES BANK Savings Account or any other bank account

• YES Pay App: You can also pay your Credit Card bill with your YES BANK account or any other bank account using UPI*

• YES ROBOT: You can pay your Credit Card bill with your YES BANK account or any other bank account using BillDesk facility

*Currently available only on android devices