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Your Access to Financial Freedom!
YES Bank offers a wide range of credit cards to suit various needs, including those related to shopping, travel, rewards, cashback, lounge access, and more. Both low annual fee credit cards with minimal perks and premium cards with exceptional privileges are available. Continue reading to learn more about YES Bank Credit Cards in-depth, including their features, and fees.

A Credit Card for Every Need
Meet Yes Bank's new range of credit cards that have plenty of attractive and tempting benefits.Reward Type
Joining Fee
Annual Charge
Features
Offers for First Time Card Holders
- 24 Reward Points for every INR 200 Travel & Dining Spend
- 12 Reward Points for every INR 200 in all categories
- Additional Renewal benefit of 8,000 reward points (Applicable post annual renewal membership fee is charged, applicable 2nd year onwards)
- 4 complimentary rounds of green fees per calendar year at select Golf courses in India
- one complimentary Golf Lesson every calendar month at select golf courses in India
- 3 complimentary Domestic Airport Lounge visits in India per calendar quarter for Primary Cardmember
- Life Insurance Cover of INR 3 Cr for death due to Flight Accidents
- Medical Insurance cover of INR 50 Lakhs for emergency hospitalization when traveling overseas
- Credit Shield cover of up to INR 10 Lakhs in case of accidental death of Primary Cardmember (Subject to Credit Limit of the Credit Card
- 25% discount on movie tickets when booked on BookMyShow Website or Mobile App
- 1% Fuel surcharge waiver at all fuel stations across India for transactions between INR 400 to INR 5,000
Eligibility:
Salaried:
- Age Criteria: Minimum 21 years to maximum 60 years
- The Applicant must be a Salaried or Self Employed Individual
- The minimum Net Salary of the applicant must be:
- INR 2 lakhs per month (Salaried)
- Income Tax Return of INR 18 lakhs and above (Self-employed)
Self-employed:
- Indian nationality. Age: Min 18 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
Reward Type
Joining Fee
Annual Charge
Features
- Exclusive 24x7 concierge service
- Enjoy a 25% discount on movie ticket bookings at BookMyShow
- 16 Reward Points for every INR 200 on Travel & Dining Spends
- 8 Reward Points for every INR 200 in all categories
- Redemption of Reward Points against Air Miles
- 4 complimentary rounds of green fees per calendar year at select Golf courses in India
- one complimentary Golf Lesson every calendar month at select golf courses in India
- 2 complimentary Domestic Airport Lounge visits in India per calendar quarter for Primary Cardmember
- Life Insurance Cover of INR 1 Cr for death due to Flight Accidents
- Medical Insurance cover of INR 25 Lakhs for emergency hospitalization when traveling overseas
- 1% Fuel surcharge waiver at all fuel stations across India for transactions between INR 400 to INR 5,000
Fees & Charges applicable
- Annual Card Membership fee – Rs 999 + Applicable Taxes
Eligibility:
Salaried:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 2 lakhs per month or Income Tax Return of INR 24 lakhs and above
Reward Type
Joining Fee
Annual Charge
Features
- 3 complimentary International lounge visits per calendar year
- Accelerated reward points on Travel and Dining Spends
- Enjoy 25% discount on movie ticket bookings at BookMyShow
- 12 Reward Points on every INR 200 on Travel & Dining Spends
- 6 Reward Points for every INR 200 on all categoriesb other than ‘Select categories
- 3 Reward Point for every INR 200 on Select categories
- Complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember
- Enjoy waiver of 4 Green Fee at select golf courses in India
- Life Insurance Cover of INR 1 Cr for death due to Flight Accidents
- 1% Fuel surcharge waiverf at fuel stations across India for transaction between INR 400 to INR 5,000
Eligibility:
Salaried:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 1 lakhs per month or Income Tax Return of INR 9 Lakhs and above
Reward Type
Joining Fee
Annual Charge
Eligibility
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 50,000 per month or Income Tax Return of INR 7.5 Lakhs and above.
Features :
- 8 Reward Points on every INR 200 on Travel & Dining Spends
- 4 Reward Points on every INR 200 on all categories
- Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara
- 4 complimentary rounds of green fees per calendar year at select Golf courses in India
- one complimentary Golf Lesson every calendar month at select golf courses in India
- 1 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember.
- Life Insurance Cover of INR 50 Lakhs for death due to air accident
- Medical Insurance cover of INR 15 Lakhs for emergency hospitalization when traveling overseas
- 1% Fuel surcharge waiver at all fuel stations across India for transactions between INR 400 to INR 5,000
Reward Type
Joining Fee
Annual Charge
Features
- 4 Reward Points on every INR 200 on Travel & Dininga Spends effective
- 2 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’
- 1 Reward Point for every INR 200 on Select categories
- Redemption of Reward Points against Air Miles
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
- Secure your online transactions with MasterCard® SecureCode
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lakhs and above
Reward Type
Joining Fee
Annual Charge
Features
- Cashback of INR 250 on spends of INR 2,500 in first 30 days of card set up
- 5% Cashback on Movie Ticket bookings
- 5% Cashback on Grocery Shopping
- 0.75% Cashback on all Other retails spends
- 5% Cashback on Bill Payments through YES PayNow
- Credit Shield cover in case of accidental death of Primary Cardmember
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 35,000 per month or Income Tax Return of INR 5 Lakhs and above
Reward Type
Joining Fee
Annual Charge
Features
- Cashback of INR 250 on spends of INR 2,500 in first 30 days of card set up
- 5% Cashback on Movie Ticket bookings
- 5% Cashback on Grocery Shopping
- 0.50% Cashback on all Other retails spends
- 5% Cashback on Bill Payments through YES PayNow
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
- Secure your online transactions with MasterCard® SecureCode
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lakhs and above
Reward Type
Joining Fee
Annual Charge
Features
- 20 Reward Points per INR 200 spent on Chemist/ Pharmaceutical stores
- 4 Reward Points per INR 200 spent on all other categories
- 5X Reward Points on first 3 transactions of the biller registered on YES PayNow
- Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
- Credit Shield cover in case of accidental death of Primary Cardmember
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
- Avail great offers across travel, shopping, wellness and more, in select cities
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 Lacs and above
Reward Type
Joining Fee
Annual Charge
Features
- Healthcare benefits such as Complimentary annual preventive Health Check-ups (up to 31 parameters), Complimentary annual Eye & Dental Check-ups, Unlimited consultation with General Practitioners, Specialists & Nutritionists through App and 12 Complimentary Fitness sessions (Gym, Yoga, Zumba, etc.) per month
- 30 Reward Points per INR 200 spent on to Chemist/ Pharmaceutical stores
- 6 Reward Points per INR 200 spent on all other categories
- 5X Reward Points on first 3 transactions of the biller registered on YES PayNow
- Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30 + Lounges in India
- Medical Insurance cover of INR 25 Lakhs for emergency hospitalization when traveling overseas
- Life Insurance Cover of INR 1 Cr for death due to Flight Accidents
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 Lacs and above
- Cities Covered: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.
Reward Type
Joining Fee
Annual Charge
Features
- Automatic Conversion of transaction into EMI
- 1% Cashback on transactions not converted into EMI
- Credit Shield cover in case of accidental death of Primary Cardmember
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
- Credit Shield cover in case of accidental death of Primary Cardmember
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lacs and above
Reward Type
Joining Fee
Annual Charge
Features
- Build Your Own Card (BYOC) by picking your Card Plastic Type
- Wrap your card with an image from the wide category of images
- Pick your perk between unlimited cashbacks on your card spends or never expiring reward points
- Build your personalized list of Offers by selecting Merchant Offers as per your needs with a flexibility to change your plan every month based on your changing needs.
- Earn 10% cash back on any amount spent on these merchants, as per the selected plan, subject to a maximum of INR 100 per merchant per statement cycle.
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 Lacs and above
Features
- Grow your credit score – Credit Strong subscription for customers with real-time dashboard
- Lifetime free Credit Card – Enjoy nil first year and renewal membership fee
- E-shopping companion – With accelerated rewards on online Dining, Online Grocery and online Apparel
- 5X reward points on online Dining spends
- 3X reward points on online Grocery and online Apparel spends
- 2 reward points per INR 200 (1X) on all other retail spends (except fuel spends)
- Credit Shield cover of INR 2.5 Lacs in case of accidental death of Primary Cardmember
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
Eligibility:
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 Lakhs and above
Reward Type
Joining Fee
Annual Charge
Features
- Earn 20,000 Reward Points on achieving annual spends of INR 12 Lakhs or more in each anniversary year
- 2X i.e 16 Reward Points for every INR 200 on Airlines, Hotels, Dinning, Vehicle Rentals & Travel Services
- 8 Reward Points for every INR 200 on all categories other than ‘Select categories
- 4 Reward Points for every INR 200 on Select categories
- Domestic Lounge access, limited to 2 visits per quarter, across 30+ lounges in India.
- INR 1 Crore air accidental cover in case of death due to a flight accident
- INR 25 Lakhs cover on medical emergencies, while traveling overseas
Eligibility:
- Age Criteria: Minimum 21 years to Maximum 70 years
- Self Employed, Proprietors and Partners of Partnership firms
- Minimum Income Tax Return of INR. 10 Lakhs
Reward Type
Joining Fee
Annual Charge
Features
- Earn 10,000 Reward Points on annual spends of INR 6 Lakhs or more in each anniversary year
- 2X i.e 8 Reward Points for every INR 200 on Airlines, Hotels, Dinning, Vehicle Rentals & Travel Services
- 4 Reward Points for every INR 200 on all categories other than Select categories
- 2 Reward Points for every INR 200 on Select categories
- Preferential Foreign Currency Markup of 2.50% only
- Domestic Lounge access, limited to 1 visits per quarter, across 30+ lounges in India
- INR 50 Lakhs Air accidental cover in case of death due to a flight accident
- INR 15 Lakhs cover on medical emergencies while traveling overseas
- INR 2.5 Lakhs credit shield cover on the accidental death of Primary Cardmember
Eligibility:
- Age Criteria: Minimum 21 years to maximum 70 years
- Self Employed, Proprietors and Partners of Partnership firms
- Minimum Income Tax Return of INR. 7.5 Lakhs
Reward Type
Joining Fee
Annual Charge
Features
- Welcome gift of 25,000 Reward Points on the first transaction
- 24 Reward Points per Rs. 200 on international spends
- 16 Reward Points per Rs. 200 on domestic spends
- Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
- Credit Shield cover worth Rs. 15 lacks in case of accidental death of the primary cardholder.
- Golf benefits include 12 rounds of complimentary green fees for a year
- Fuel surcharge is waived at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000
- Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
- Complimentary wellness and medical benefits
Eligibility:
- Both Yes Private and Private Prime Credit Cards are invite-only
Reward Type
Joining Fee
Annual Charge
Features
- 1.75% Foreign Currency Mark up charges on all international spends
- Access to over 850 lounges in more than 400 cities in over 120 countries worldwide
- Buy One and Get One Movie ticket offer and a maximum of 4 complimentary tickets in a month can
- Annual fee waived off on spending of Rs. 25,00,000 within 12 months prior to the renewal
Eligibility:
- Both Yes Private and Private Prime Credit Cards are invite-only.
Making Your Path to Your Credit Card Smoother!

Visit Our Website
For the first step, you will have to visit our website to explore the options that fit your needs.
Select and Apply
Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Credit Card!
Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.
Features & Benefits of the Best Yes Credit Cards
Required Documents for YES Credit Card
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
Salaried income documents
-
Last 3 months' salary slip
-
Form 16 of last 2 years
-
Income Tax Return if any of last 2 Years
-
Last 3 months' bank statement if the salary directly credited in the bank account
-
Certificate of employment from current employer
Self Employed person documents
-
Income tax returns of previous 2 years
-
Statement of finances with a proper balance sheet with profit and loss in that sheet
-
Bank statement with continuity of business
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GST registration evidence of business
Card to Card Documents
-
Government Issued Photo ID
-
Proof of Residency
-
Proof of Income
-
Applcation Form
-
Authorization to run a Credit Check (if required)
Eligibility
-
Minimum of 21 years of age and maximum of 60 years.
-
Salaried or self-employed individuals with a steady source of income.
-
Minimum monthly income of INR 40 thousands (can be more for YES Prosperity Edge Credit Cards).
Note : YES may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
How to Apply for an YES Credit Card
The process of applying for a Credit card can be really daunting sometimes but with ReferLoan you can make the process easy and quick. .
-
Visit the website of ReferLoan
-
There you can find the list of credit cards on the top.
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Choose an YES BANK card and click on the ‘Check Eligibility’ button
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You will be prompted with a list of questions
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in all the required fields on the page before clicking on ‘Submit’.
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You will then be asked to upload the documents – do the same and click on ‘Submit’
How to Redeem an YES BANK Credit Card Reward Point?
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Log in using your registered number and select your credit card category
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Select the products and add them to the cart
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Proceed with the checkout and enter the required credit card details
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Click on the Redeem button
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The cardholder will receive their redemption confirmation on their registered mail ID and contact number
Qualification and Necessary documentation
Anyone with an ideal credit score (generally above 750) is eligible for credit cards from Yes Bank. Aside from a good credit score, the following are a few standard eligibility specifications:
-
Age: - In order to qualify for YES Bank credit cards, individuals should be between the ages of 21 and 60.
-
Employment Type: - YES Bank credit cards are available to both salaried as well as self-employed people.
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For applying for a YES Bank credit card, some documents are necessary.
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A completed form of application for YES Bank credit cards.
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Prospective applicants must provide identity proof, residential proof, and proof of salary.
YES Bank Credit Card EMI Facilities
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The lowest transaction sum accessible within the particulars of this feature is Rs. 2,500.
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It is not necessary to provide any kind of documentation.
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The rates of interest range from 12 to 15 percent per year.
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Whenever the EMI requests get submitted, the person using the card may choose the loan's term from the options that are offered, which are 3, 6, 9, 12, 18, as well as 24 months.
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The loan duration selected by the person who uses the card is noted on the billing slip.
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After being selected, the choice cannot be altered or changed at a later time.
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When converting EMI payments, customers obtain reward points.
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YES Bank doesn't assess any processing costs for 'Instant EMI'. As for processing costs, the 'EMI on Call' option charges 2% of the payment's value.
YES Bank Credit Card Login for Net Banking
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Log on to www.yesbank.in
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In the NetBanking section, select "Retail" and click on "Login"
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Click on the link "Register Online/First Time Users"
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Enter your Customer ID, Debit Card Number & ATM PIN
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Create your NetBanking Password
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Click on "Register Online
YES Bank credit card charges
Fee Type | Amount |
---|---|
Joining/Annual Fee | Varies from one card to Another |
Finance Charges |
|
Late Payment Fee |
|
How to Activate YES Bank Credit Card
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Customers must have YES Bank Net Banking credentials to generate PIN through Net Banking
-
Login to your YES Bank Net banking account
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Select ‘Credit Cards’
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Click on Register credit card and provide the necessary details
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Now select Set/Reset PIN.
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Provide a 4-digit PIN of choice. Then Click on ‘Submit’ again
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Enter the OTP to complete the activation
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An OTP will be sent to the registered mobile number
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To activate credit card through mobile app, follow the instructions given below:
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Download the YES Bank app from Play Store or Apple Store
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Login using User ID and password, Customer info, or Debit Card and PIN
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Set Application PIN and create MPIN (used to authorize Financial Transactions)
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Login using User ID and password, Customer info, or Debit Card and PIN
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Now Login to the app
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Select Account Services and then select Set/Reset PIN
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Follow the instructions to generate PIN
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Customers can get in touch with Yes Bank customer care cell by calling on the toll free number 1800 1200
Yes Bank Credit Card Approval Process
-
Check eligibility: The first step is to check if you meet the eligibility criteria set by the bank. This usually includes factors such as age, income, credit score, employment status, etc.
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Submit application: Once you have checked your eligibility, you can submit an application for a credit card through the bank's website or by visiting a branch in person. You will need to provide details such as your personal information, contact details, employment details, income details, etc.
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Verification: After you submit your application, the bank will verify the information you have provided. This may involve a background check, checking your credit score, and verifying your income and employment details.
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Approval: If your application is approved, the bank will inform you and issue you a credit card. The approval process usually takes a few days to a few weeks, depending on the bank's internal processes and the completeness of the information you have provided.
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Activation: Once you receive your credit card, you will need to activate it by following the instructions provided by the bank. You will typically need to call a phone number or visit the bank's website to activate your card.
In Case of Any Query
Contact : 18001031212
Mail Id : yestouchcc@yesbank.in