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IMPORTANT UPDATE ON CREDIT CARDS

Effective 15th April 2019, select features, fees and charges on your YES BANK Credit Card will be revised. Please click on your respective Credit Card below to view the revised changes.

Consumer Cards

YES FIRST Exclusive Credit Card

-YES FIRST Exclusive Credit Card

Important Update on your YES FIRST Exclusive Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual:

 Existing

  • 10 Reward Points per INR 100 on all Retail Spends1

Revised (effective 15th April, 2019)

  • 12 Reward Points per INR 100 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining2

  • 6 Reward Points per INR 100 spent on all other categories1 

You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount3:

Existing Rate

For YBL Savings/Salary Account holders

1.20% per month (i.e. 14.40% annualised)

For non-account holders

1.99% per month (i.e. 23.88% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

1.99% per month (i.e. 23.88% annualised)

3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under:

You will continue to earn 1000 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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

You continue to enjoy Best-in-Class features on your YES FIRST Exclusive Credit Card:

  • Earn Reward Points that never expire

  • Low Foreign Currency Markup of 1.75%3 on international transactions

  • 25% discount5 on movie tickets booked on BookMyShow

  • Complimentary Airport Lounge Access (recommended usage as below):

    • In India: Unlimited domestic airport lounge visits through MasterCard affiliated lounge programme for both Primary & Add-On Cardmembers

    • International: Priority Pass Membership for both Primary & Add-On Cardmembers, offering unlimited visits to airport lounges globally

  • Annual Bonus of 25,000 Reward Points on spends of INR 20 lakhs or more in every anniversary year6

  • Green Fee Waiver and Complimentary Golf Lessons at select golf courses in India, through MasterCard Golf Programme

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800 103 6000.

Terms & Conditions:

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Travel Agencies & Tour Operators (MCC: 4722), Domestic Airlines(MCC 4511, 3020, 3056) and Dining (MCC: 5812, 5813, 5814) categories.

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. Maximum discount in a calendar month is capped at INR 250

  6. One anniversary year is defined as 12 months, from the date of card set-up or date of renewal

YES FIRST Preferred Credit Card

-YES FIRST Preferred Credit Card

Important Update on your YES FIRST Preferred Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual :

Existing

  • 8 Reward Points per INR 100 on all Retail Spends1

Revised (effective 15th April, 2019)

  • 8 Reward Points per INR 100 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining2

  • 4 Reward Points per INR 100 spent on all other categories1

You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount 3:

Existing Rate

For YBL Savings/Salary Account holders

1.99% per month (i.e. 23.88% annualised)

For non-account holders

2.75% per month (i.e. 33.00% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)


3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under :

You will continue to earn 1000 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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

You continue to enjoy Best-in-Class features on your YES FIRST Preferred Credit Card :

  • Earn Reward Points that never expire

  • Low Foreign Currency Markup of 1.75%3 on international transactions

  • 25% discount5 on movie tickets booked on BookMyShow

  • Complimentary Airport Lounge Access (recommended usage as below):

    • In India: 3 domestic airport lounge visits per calendar quarter through MasterCard affiliated lounge programme

    • International: Priority Pass Membership for Primary Cardmember, offering 4 complimentary visits per calendar year to airport lounges globally

  • Annual Bonus of 20,000 Reward Points on spends of INR 7.5 lakhs or more in every anniversary year6

  • Green Fee Waiver and Complimentary Golf Lessons at select golf courses in India, through MasterCard Golf Programme

In case you need further clarifications, please feel free to call our 24X7 YES FIRST Customer Care at 1800 103 6000

Terms & Conditions:

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Travel Agencies & Tour Operators (MCC: 4722), Domestic Airlines(MCC 4511, 3020, 3056) and Dining (MCC: 5812, 5813, 5814) categories

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. Maximum discount in a calendar month is capped at INR 250

  6. One anniversary year is defined as 12 months, from the date of card set-up or date of renewal

YES PREMIA Credit Card

-YES PREMIA Credit Card

Important Update on your YES Premia Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual* :

Existing

  • 5 Reward Points per INR 100 on Grocery Stores, Supermarket and Dining

  • 4 Reward Points per INR 100 on all other retail spends1

Revised (effective 15th April, 2019)

  • 4 Reward Points per INR 100 Grocery Stores & Supermarkets, Department Stores and Dining spends2

  • 3 Reward Points per INR 100 on other categories1

*You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

Effective 15th April, 2019, Reward Points shall be credited to the card account as per below process:-

  • 3 Reward Points per INR 100 on all eligible spends (including Grocery Stores & Supermarkets, Department Stores and Dining) shall be credited as per statement cycle.

  • Additional 1 Reward Points per INR 100 spent on Grocery Stores & Supermarkets, Department Stores and Dining in every calendar month shall be credited in the subsequent month.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount3:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under :

You will continue to earn 750 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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

You continue to enjoy Best-in-Class features on your YES Premia Credit Card :

  • Earn Reward Points that never expire

  • Low Foreign Currency Markup of 2.50%3 on international transactions

  • 25% discount5 on movie tickets booked on BookMyShow

  • Complimentary Airport Lounge Access (recommended usage as below):

    • In India: 2 domestic airport lounge visits per calendar quarter through MasterCard affiliated lounge programme

    • International: Priority Pass Membership for Primary Cardmember, offering 2 complimentary visits per calendar year to airport lounges globally

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212

Terms & Conditions:

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Grocery Stores & Supermarkets (MCC 5411), Department Stores (MCC 5311) and Dining (MCC 5812,5813, 5814) categories

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. Maximum discount in a calendar month is capped at INR 250

YES Prosperity Cashback Credit Card

-YES Prosperity Cashback Credit Card

Important Update on your YES Prosperity Cashback Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

Interest Rate on Revolving Credit, Cash advance and/or Overdue amount1:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212.

  1. GST to be applicable on all fees and charges

YES Prosperity Cashback Plus Credit Card

-YES Prosperity Cashback Plus Credit Card

Important Update on your YES Prosperity Cashback Plus Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

Interest Rate on Revolving Credit, Cash advance and/or Overdue amount1:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212.

1. GST to be applicable on all fees and charges

YES Prosperity Rewards Plus Credit Card

-YES Prosperity Rewards Plus Credit Card

Important Update on your YES Prosperity Rewards Plus Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual*:

Existing

  • 5 Reward Points per INR 100 on spends on your Birthday

  • 4 Reward Points per INR 100 on International spends

  • 3 Reward Points per INR 100 on Online and Dining spends

  • 2 Reward Points per INR 100 on all other Retail Spends1

Revised (effective 15th April, 2019)

  • 3 Reward Points per INR 100 on Grocery Stores & Supermarkets2

  • 2 Reward Points per INR 100 on other categories1

*You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

Effective 15th April, 2019, Reward Points shall be credited to the card account as per below process:-

  • 2 Reward Points per INR 100 on all eligible spends (including Grocery Stores & Supermarkets) shall be credited as per statement cycle.
  • Additional 1 Reward Points per INR 100 spent on Grocery Stores & Supermarkets in every calendar month shall be credited in the subsequent month.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount3:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under:

You will continue to earn 500 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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

You continue to enjoy Best-in-Class features on your YES Prosperity Rewards Plus Credit Card

  • Earn Reward Points that never expire

  • Annual Bonus of 12,000 Reward Points on spends of INR 3.6 lakhs or more in every anniversary year5

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212

Terms & Conditions:

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Grocery Stores & Supermarkets categories (MCC Code : 5411)

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. One anniversary year is defined as 12 months, from the date of card set-up or date of renewal

YES Prosperity Rewards Credit Card

-YES Prosperity Rewards Credit Card

Important Update on your YES Prosperity Rewards Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual*:

Existing

  • 4 Reward Points per INR 100 on spends on your Birthday

  • 3 Reward Points per INR 100 on International spends

  • 2 Reward Points per INR 100 on Online and Dining spends

  • 1 Reward Point per INR 100 on all other Retail Spends1

Revised (effective 15th April, 2019)

  • 2 Reward Points per INR 100 on Grocery Stores and Supermarkets2

  • 1 Reward Point per INR 100 on other categories1

*You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

Effective 15th April, 2019, Reward Points shall be credited to the card account as per below process:-

  • 1 Reward Point per INR 100 on all eligible spends (including Grocery Stores & Supermarkets) shall be credited as per statement cycle.
  • Additional 1 Reward Point per INR 100 spent on Grocery Stores & Supermarkets in every calendar month shall be credited in the subsequent month.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount3:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under:

You will continue to earn 500 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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 point

You continue to enjoy Best-in-Class features on your YES Prosperity Rewards Credit Card:

  • Earn Reward Points that never expire

  • Annual Bonus of 10,000 Reward Points on spends of INR 1.8 lakhs or more in every anniversary year5

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212

Terms & Conditions:

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Grocery Stores & Supermarkets categories (MCC Code : 5411)

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. One anniversary year is defined as 12 months, from the date of card set-up or date of renewal

YES Prosperity Edge Credit Card

-YES Prosperity Edge Credit Card

Important Update on your YES Prosperity Edge Credit Card

Effective 15th April 2019, below features will be revised on your Credit Card:

1. Reward Points Accrual*:

Existing

  • 6 Reward Points per INR 100 on spends on your Birthday

  • 5 Reward Points per INR 100 on International spends

  • 4 Reward Points per INR 100 on Online spends

  • 3 Reward Points per INR 100 on all other Retail Spends1

Revised (effective 15th April, 2019)

  • 4 Reward Points per INR 100 on Grocery Stores & Supermarkets, Department Stores and Dining spends2

  • 2 Reward Points per INR 100 on other categories1

*You will continue to enjoy earning Reward Points on EMI & Insurance transactions and E-Wallet uploads across all merchants.

Effective 15th April, 2019, Reward Points shall be credited to the card account as per below process:-

  • 2 Reward Points per INR 100 on all eligible spends (including Grocery Stores & Supermarkets, Department Stores and Dining) shall be credited as per statement cycle.
  • Additional 2 Reward Points per INR 100 spent on Grocery Stores & Supermarkets, Department Stores and Dining in every calendar month shall be credited in the subsequent month.

2. Interest Rate on Revolving Credit, Cash advance and/or Overdue amount3:

Existing Rate

For YBL Savings/Salary Account holders

2.99% per month (i.e. 35.88% annualised)

For non-account holders

3.22% per month (i.e. 38.64% annualised)

Revised Rate (effective 15th April, 2019)

Applicable to all Customers

3.50% per month (i.e. 42.00% annualised)

3. Subject to other features remaining the same, the YES PayNow (Biller Registration) bonus rewards points offer is amended as under:

You will continue to earn 500 Bonus Reward Points on each new YES PayNow biller registration4.

Please note:

  • 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

  • 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

You continue to enjoy Best-in-Class features on your YES Prosperity Edge Credit Card:

  • Earn Reward Points that never expire

  • Low Foreign Currency Markup of 3.00%3 on international transactions

  • Complimentary Airport Lounge Access:

    • In India: 2 domestic airport lounge visits per calendar quarter through MasterCard affiliated lounge programme

    • International: Complimentary Priority Pass Membership for Primary Cardmember only. All visits will be charged at US$ 27 per person per visit

  • Annual Bonus of 15,000 Reward Points on spends of INR 6 lakhs or more in every anniversary year5

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800-103-1212

Terms & Conditions

  1. Applicable for retail transactions only. Not valid for fuel transactions

  2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Grocery Stores & Supermarkets (MCC 5411), Department Stores (MCC 5311) and Dining (MCC 5812,5813, 5814) categories

  3. GST to be applicable on all fees and charges

  4. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments

  5. One anniversary year is defined as 12 months, from the date of card set-up or date of renewal

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