• Welcome Reward Points

  • Assured 1250 Reward Points on spends of INR 5,000 within first 30 days of card set-up date^a

• Annual Bonus Rewards

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

• Reward Points Program^c

  • 5 Reward Points on every INR 100 Retail Spends done on your Birthday

  • 4 Reward Points on every INR 100 International Spends (POS & ECOM)

  • 3 Reward Points on every INR 100 Online and Dining Spends

  • 2 Reward Points on every INR 100 on all other Retail Spends

  • 100 Reward Points on doing 4 transactions of INR 500 or above within statement cycle (valid for first 6 statement cycles only)

  • 500 Reward Points on each YES PayNow registration^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 JPMiles (4 Reward Points = 1 JPMile)

• Insurance Coverage

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

  • Please click here to know more

• Attractive Interest Rate on Revolving Credit and Preferential Foreign Currency Markup

  • Interest Rate of 2.99% per month (35.88% annually) on Revolving Credit, Cash Advances and Overdue Amount for Cardmembers who have YES BANK Salary or Savings Account relationship

  • Interest Rate of 3.22% per month (38.64% annually) on Revolving Credit, Cash Advances and Overdue Amount for Cardmembers who do not have YES BANK Salary or Savings Account relationship

  • Preferential Foreign Currency Markup of 3.40% only

• Fuel Surcharge Waiver

  • 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™

  • 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

1. Valid only on retail spends, not applicable on cash withdrawal and upgraded Credit Cards

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

3. Valid on retail purchases only. Not applicable on fuel transactions

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

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

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 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:

• 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”
• 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.