YES BANK has made a strong mark in areas like Corporate Investment Banking, Transaction Banking, and Treasury. Continuing its goal to become a top-quality global bank in India, it offers a wide range of customized products and services. Their credit cards are especially popular, packed with lots of reward points and cashback deals to grab your attention. Check out the details of these cards right here on this page.
List of Best YES BANK Credit Cards in India 2025
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YES BANK Credit Cards |
Joining Fees |
Annual Fees |
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YES Bank Ace Credit Card |
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YES Select Card |
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YES Elite+ Card |
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YES First RESERV Card |
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YES Bank Marquee Card |
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YES Bank Wellness Plus Credit Card |
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YES Prosperity Business Card
Best suited for: Reward Points
The features and benefits of the YES Bank Prosperity Business Credit Card are as follows:
- 8 reward points for every ₹200 spent on selected categories
- 1% fuel surcharge waiver across all petrol pumps for transactions between ₹400 to ₹5000
- Preferential Foreign Currency Markup of 2.50% only
- 1 complimentary access to the airport lounge per quarter in India
- Credit shield cover of ₹3 lakh on accidental death of primary cardholder
- Green fee waiver on golf rounds
YES First Business Credit Card
Best suited for: Reward Points, Travel
Here are a few key features and benefits of YES First Business Credit Card:
- Amazon voucher worth ₹500 on spending ₹1,000 within the first 30 days
- 6 complimentary International lounge access for primary cardmembers in a calendar year
- 2 complimentary airport lounge visits per quarter in India
- 1 complimentary golf lesson every calendar month & 4 additional sessions with a green fee waiver
- Credit shield cover of ₹8 lakhs on accidental death of primary cardmember
- 1% fuel surcharge waiver at all fuel stations in India for transactions between ₹400 to ₹5,000
- 8 reward points for every ₹200 on all categories other than ‘Select categories’
- 4 reward points for every ₹200 on Select categories.
YES Bank Ace Credit Card
Best suited for: Reward Points
Here are the main features and benefits of YES Prosperity Rewards Credit Card:
- 8 reward points for every Rs. 200 spent on online shopping, with a maximum of 5,000 points per month
- 4 reward points for every Rs. 200 spent on offline shopping
- 2 reward points for every Rs. 200 spent on other expenses, including recharge, education, government, insurance, and more
- 1% fuel surcharge waiver across all petrol pumps for transactions between ₹400 to ₹5000
- Preferential foreign currency markup of 2.75% only.
YES Select Credit Card
Best suited for: Reward Points and travel
The following are some of the key benefits and features of the YES Select Credit Card:
- 8 Reward Points for every ₹200 spent on all categories other than ‘Select categories’
- 4 Reward Points for every ₹200 spent on Select categories
- 1 complimentary visit to the airport lounge in India per quarter
- 4 free green fee rounds annually at various golf courses throughout India.
- 1 free golf lesson every month at select golf courses in India.
- 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000
YES Elite+ Credit Card
Best suited for: Travel
Here are the main benefits and features of YES Elite+ Credit Card:
- 12 reward points for every ₹200 you spend on online shopping
- Insurance coverage of up to ₹50,000 against accidental damage for 6 months on mobiles and electronics bought online
- A 25% discount on movie tickets when you book through BookMyShow
- Preferential Foreign Currency Markup of 2.75% only
- Waiver of Green fee 4 times at select golf courses and 1 complimentary lesson/month
- 3 complimentary international airport lounge visits in a calendar year
- 2 complimentary domestic airport lounge visits in India per calendar quarter.
YES First RESERV Credit Card
Best suited for: Reward Points and Travel
Here are the key features and benefits of YES First RESERV Credit Card:
- 3 complimentary domestic airport lounge visits per quarter in India
- 6 free visits to international airport lounges each year
- 1 golf lesson every year and 4 extra sessions with waived green fees at select golf courses in India
- 24 reward points for every ₹200 spent on online shopping
- 1% fuel surcharge waiver across all petrol pumps for transactions between ₹400 and ₹5,000
YES Bank Marquee Credit Card
Best suited for: Travel and Shopping
The following are the essential benefits and features of YES Bank Marquee credit card:
- 36 reward points for every ₹200 spent on online shopping
- 18 reward points for every ₹200 spent on offline shopping
- Free ETPrime Subscription voucher valued at ₹3,199 upon payment of the joining fees
- Unlimited complimentary international airport lounge visits
- 4 complimentary international lounge visits for guests in a calendar year
- 6 free visits to domestic airport lounges in India every quarter
- 1 free movie ticket when you buy 1 on BookMyShow
YES Bank Wellness Plus Credit Card
Best suited for: Health & Wellness
Here are the main benefits and features of YES Bank Wellness Credit Card:
- 12 free fitness sessions each month, including gym, yoga, Zumba, and more
- Free annual preventive health check-up covering 31 parameters
- Free annual eye and dental check-ups
- 2 domestic airport lounge visits per quarter in India
- Get a fuel surcharge waiver at all petrol stations in India
YES BANK Credit Card Eligibility
Want to apply for these credit cards? You should first know the eligibility requirements before applying. For your convenience, the eligibility parameters are stated in the points below.
- Self-employed as well as salaried individuals can apply for a credit card
- The minimum and maximum age should be 23 years and 60 years, respectively
- The income requirement varies from card to card.
The minimum income requirements for some of the top YES Bank credit cards are as follows:
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Name of Credit Cards |
Net Monthly Income for Salaried |
ITR Per Annum for Self Employed |
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YES Bank Wellness Plus Credit Card |
>₹20,000 |
>₹7.5 lakh and above |
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YES Bank ACE Credit Card |
>₹25,000 |
>₹7.5 lakhs and above |
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YES Bank Select Credit Card |
>₹50,000 |
>₹7.5 lakhs and above |
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YES Bank Elite+ Credit Card |
>₹1 lakh |
>₹9 lakh and above |
YES Bank Credit Card Fees and Charges
Here are some common fees and charges for YES Bank Credit Cards, as listed in the table below:
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Fees and Charges |
Detail |
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Joining/Annual Fees |
Varies from card to card |
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Cash Advance Fee |
2.5% or ₹500, whichever is higher |
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Late Payment Charges |
For outstanding balances:
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Click here to view other fees and charges associated with YES Bank credit cards.
How to Apply for a YES BANK Credit Card?
You can apply for a credit card of your choice through any of the online or offline mediums. But for enhanced convenience, it is better to visit the official website of YES BANK and navigate to the ‘Credit Card’ section. On reaching here, you can click on the ‘Apply Now’ button to get to a page asking you to input your personal and professional details. Fill those details correctly before submitting your application. By going online, you give yourself the best chance to apply fast as you can do so anytime, anywhere.
But if you are not comfortable online, you can anyways visit the nearest bank branch to submit your application. At the branch, request a credit card application form, fill in your personal and professional information accurately, and then submit it to the branch official for further processing. The bank will check the details thoroughly and give the nod when it is satisfied with the information you provide at the time of application.
Know Status of Your YES BANK Credit Card Application
Submitted your application and want to know its status? Visit the bank's website and click the 'Click Here' button next to 'Track Your Application Status'. Upon clicking, a new page will open asking you to enter either the Application Form Number or Application Reference Number, along with your mobile number. You will also need to enter the Captcha Code as displayed in the designated space.
After entering these details, click ‘Submit’ to view the status. The screen will display whether your card application has been approved, is pending approval, or has been rejected. You can also call the 24/7 customer care number—18001031212—to inquire about the status. The customer care team is also available to answer questions regarding card offers, payment methods, statements, and more.
YES BANK Credit Card Limit
Credit limits are a primary consideration when shopping for credit cards. The reason is clear – the credit limit determines how much you can spend. YES BANK will consider your income, repayment potential, and CIBIL score before setting your limit. A healthy income enhances your repayment capability, which can lead to a higher credit limit.
Maintaining a good credit score, achieved by managing ongoing or past debts effectively, often makes obtaining a higher limit a mere formality. However, it's wise to use your credit limit judiciously to ensure you can pay your dues on time and maintain a good credit record. Doing so will enhance your prospects for future credit.
YES BANK Credit Card Payment
You can log in to Internet banking to pay your card dues. When filling out the application form, you have the option to set up standing instructions for automatic bill payments. If you choose this, your dues will automatically be debited from your account on the specified date. You can also use offline payment methods such as checks and cash. However, please note that paying with cash may incur additional charges.
Making timely and regular payments will help you build a strong credit history.
YES BANK Credit Card Customer Care Number
If you encounter any difficulties or have questions, feel free to call the 24/7 toll-free number: 1800 1200. The customer care executives are ready to assist with any issues you may have, whether they relate to reward points, cashback, or your statement. Don't hesitate to call and resolve your queries quickly.
Check YES BANK Credit Card Statement Details
It's important to regularly review your statement to monitor card transactions. Check how much you have spent, the total amount due, and any fees that may have been charged. Your statement not only displays the total dues and the payment due date but also shows the minimum payment due, which accounts for about 5% of the total dues. If you notice any incorrect transactions, you can report them to the bank via their helpline numbers or email your complaint to the bank’s email address. The bank will then address the issue and issue an updated statement.
Dos and Don’ts of Credit Card
When managing various online and offline credit card transactions, it's essential to follow best practices to make the most of your YES Bank Credit Card. Here's some guidance on what actions to take and what behaviors to avoid:
What To Do:
- Explore Card Options: YES Bank offers a wide array of credit cards tailored to different lifestyles, from cards ideal for shoppers to those perfect for frequent travelers. Assess the options available based on your needs and eligibility to find the best card for you.
- Understand the Fine Print: It’s crucial to fully understand the terms and conditions of your credit card, including credit limits, interest rates, and fees. Also, keep an eye out for any special offers, discounts, or waivers that could benefit you.
- Prompt Payments: Ensure you pay your credit card bills in full to maintain a good credit rating and avoid interest charges. Timely repayments enhance your creditworthiness.
- Maximize Credit Limit Opportunities: If you qualify for a credit limit increase, use it to boost your spending power and potential to earn rewards. However, manage this limit responsibly.
- Stay on Top of Billing and Payment Dates: Familiarize yourself with your billing and payment schedules. The billing date is when you receive a statement for your past cycle's expenditures, and the payment date is the deadline to pay your dues without late fees.
- Monitor Your Spending: Closely monitor your credit card transactions to promptly identify any unauthorized or fraudulent activities. Set up transaction alerts and report any irregularities to your bank immediately.
What Not To Do:
- Avoid Maxing Out Your Credit Limit: Use your credit card within reasonable limits. Regularly reaching your credit limit can harm your credit score, lead to substantial debt, and complicate financial management.
- Limit Credit Card Applications: Although having multiple credit cards can be beneficial for emergencies, applying for several cards can seem risky and potentially harm your credit score.
- Refrain from Making Only Minimum Payments: Continually paying only the minimum due amount can result in accumulating interest on the remaining balance, thereby increasing your overall debt. Whenever possible, try to pay more than the minimum or ideally, the full amount.
Frequently Asked Questions
1. Who can apply for a Yes Bank credit card online?
To apply for a Yes Bank credit card online, you must be between the ages of 21 and 65 years and have an annual income of at least INR 3,00,000, whether as a self-employed individual or an employee in a reputable organization.
2. How can I pay my Yes Bank credit card bill?
You can pay your Yes Bank credit card bill by logging into Yes Bank's official internet banking portal or by downloading their mobile application. You can also pay your bill at any Yes Bank branch.
3. Can my YES Bank credit card be used to make a cash withdrawal?
You can use your YES Bank credit card to withdraw cash at ATMs.
4. Why was my Yes Bank credit card application rejected?
Your Yes Bank credit card application may be rejected for several reasons, including a low CIBIL score or failure to meet eligibility requirements. It's recommended to wait for the rejection letter, which will provide detailed information and the reason for rejection. For further information, you can contact Yes Bank's credit card customer service.
5. What is the procedure for obtaining the PIN for my YES Bank credit card?
You can set your Yes Bank credit card’s PIN by logging into your net banking account and selecting the 'Credit Card' link at the top of the screen. You’ll be directed to a page listing all your registered credit cards. Select your card and follow the on-screen instructions to set your PIN.
6. Is it possible to reset my credit card PIN through online banking?
Yes, you can easily change your credit card PIN using the net banking facility.
7. How can I track the application status of my YES Bank credit card?
Log in to Yes Bank’s official website and enter your 13-digit unique application reference number in the credit card application status section to check the status of your application. Alternatively, you can call 1800 1200 for more information.
