• Welcome Reward Points
  • 1250 reward points on INR 5,000/- retail spends (within first 30 days of card issuance)
• Annual Reward Points   
  • Earn 12,000 reward points on annual spend of INR. 3.6 Lakhs in one anniversary year

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

• Rewards Plus Reward Points Program
  • 5 Reward Points on every INR 100 retail spends done on your Birthday (MYDAY)^a
  • 4 Reward Points on every INR 100 spent on International transactions (POS and ECOM)
  • 3 Reward Points on every INR 100 on Online transactions and Dining
  • 2 Reward Points on every INR 100 on all other retail spends^a
  • 100 Reward Points on doing 4 transactions (of INR 500/- or above) within statement cycle for first 6 statement cycle
  • 500 Reward Points on each YES PayNow registration^b.Please Click here to know more
• Rewards Plus Reward Points Redemption   
  • Dedicated Catalogue of Products to choose from, for reward redemption
  • Redemption of Reward Point against JPMiles (4 Reward Points = 1 JPMile)

Please visit https://www.yesrewardz.com/creditcard/rewardsplus to know more or redeem reward point

• Preferential Interest Rate on Revolving Credit and Preferential Foreign Currency Mark-up
  • Preferential Foreign Currency Markup of 3.4%
  • Interest Rate of 2.40% per month (28.80% annually) on revolving credit for Cardmembers who have YES BANK Salary or Savings Account relationship
  • Interest Rate of 3.22% per month (38.64% annually) on revolving credit for Cardmembers who do not have YES BANK Salary or Savings Account relationship
• Insurance Coverage  
  • Rs 1 Lakh Credit Shield cover on accidental death of Primary Cardmember

Please Click here to know more

• Fuel Surcharge Waiver
  • Fuel surcharge is waived^c at all fuel stations across India for transactions between INR 400/- to INR 5,000/-
• Secure Password for Online transactions
  • 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

1. Only applicable for retail transaction. Not applicable for Fuel Transactions.
2. Applicable only on Standing Instruction based registration, not applicable for register and pay or adhoc payment
3. Surcharge reversal amount is capped at INR 125/- in a statement cycle

Click here for value chart

Please Click here to view detailed Terms & Conditions

Annual membership fees

1. First Year Membership Fee of Rs 350 , reversed on spends of Rs 7,500 within 90 days of card Set up
2. Renewal Membership Fee of Rs 350, reversed on spends of Rs 25,000 within 12 months prior to the renewal.

Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES. Click here

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

• Key Attractions:
  • Zero documentation
  • No Processing fees
  • Repayment options from 3 months to 24 months
  • Convert Transaction starting from as low as INR 2,500
  • Interest Rates ranging from 12% p.a to 15% p.a

• List of Partners:
  • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy instalments at the following merchant partner.
  • Please click here view list of stores and click here to view list of online partners
  • For detailed Terms and Conditions please click here

Card Protection Plan

YES BANK brings to you CPP Card Protection, India's first comprehensive card protection service. It can be used in the event of card loss, theft, any related fraud and emergencies. You can safeguard all cards including credit, debit, and Pre-paid cards with CPP Card Protection. In case of card loss or theft that may have occurred anywhere in the world, all that you need to do is call CPP's 24-hour helpline, to report loss of card(s).

Easy ways to make YES BANK Credit Card Bill Payment

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

a) For YES BANK Account Holders:

• Net Banking: Register yourself for the YES BANK Net Banking and make Credit Card payments online.
• Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account.
• ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM.

b) For All Customers:

• NEFT: You can make payment for your Credit Card through NEFT fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code:YESB0CMSNOC to make payment through NEFT.
• Billdesk: Click on the given link to make the payment using Billdesk facility. Please click https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
• Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit YES BANK Credit Card Number, and drop the cheque at nearest YES BANK drop box. Please mention your name and mobile number on the back of the cheque.
• 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.