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• Annual Bonus Rewards

  • Earn 12,000 Bonus Reward Points on achieving spends of INR 3.6 Lakhs or more in each anniversary year^a

• Reward Points Program

  • Accelerated rewards point will continue to be offered on select transactions on YESCART

  • 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

  • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)^d .Please click here to know more

• Reward Points Redemption : Please visit YesRewardz to know more or redeem Reward Points

  • Exclusive Catalogue of Products to choose from

  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)

• Insurance Coverage

  • Credit Shield cover in case of accidental death of Primary Cardmember

  • Please click here to know more

• Interest Rate on Revolving Credit

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

  • Interest rate of 2.49% (29.88% annually) on Revolving Credit, Cash Advances & Overdue Amount for Credit Cards issued against Fixed Deposit

• Preferential Foreign Currency Markup

  • Preferential Foreign Currency Markup of 3.40% only

• Fuel Surcharge Waiver

  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000^e

• Lifestyle Benefit : Please visit YES Privileges to know more

  • Avail great offers across travel, dining, shopping, wellness and more, in select cities

• Secure Password for Online Transactions

  • Secure your online transactions with MasterCard SecureCode or Verified by VISA

  • 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

  • Please click here to know more

• Enjoy below services on your Credit Card

Glossary:

1. Valid on retail purchases only. Anniversary year is defined as 12 months from card set up date or card renewal date

2. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA 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

    

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

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

5. Total waiver in statement cycle is capped at INR 125. Only surcharge will be waived, GST as levied on surcharge will not be waived. 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.

6. 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

Visit your nearest YES BANK Branch to apply. Click here to Locate the nearest branch

Annual membership fees

1. First Year Membership Fee of Rs 499 , reversed on spends of Rs 10,000 within 90 days of card Set up
2. Renewal Membership Fee of Rs 499, reversed on spends of Rs 50,000 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 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