Yes Bank in partnership with American Express offers a wide range of premium Credit Cards for salaried as well as business persons. Yes Bank Credit Cards come with a gamut of rewards and benefits across entertainment, travel, dining, golf and more.
|Card Name||Annual Fee||Best For|
|YES FIRST Preferred Credit Card||Rs. 2,499 + GST||Travel & Rewards|
|YES PREMIA Credit Card||Rs. 1,599 + GST||Travel & Rewards|
|YES Prosperity Edge Credit Card||Rs. 1,199 + GST||Rewards & Entertainment|
|YES Prosperity Rewards Plus Credit Card||Rs. 499 + GST||Rewards & Shopping|
|YES Prosperity Rewards Credit Card||Rs. 299 + GST||Rewards & Shopping|
|YES FIRST BUSINESS Credit Card||Rs. 4,999 + GST||Travel, Rewards & Lifestyle|
|YES Prosperity BUSINESS Credit Card||Rs. 2,499 + GST||Travel & Rewards|
|YES FIRST Exclusive Credit Card||Rs. 9,999 + GST||Travel & Rewards|
|YES Prosperity Cashback Plus Credit Card||Rs. 1,499 + GST||Cashback & Entertainment|
|YES Prosperity Cashback Credit Card||Rs. 999 + GST||Cashback & Shopping|
The following are the features and benefits of Yes Bank Credit Cards:
• Special offers for lifestyle spend like shopping, dining, movie tickets, and travel.
• Bonus reward points and vouchers as welcome gifts.
• Complimentary access to domestic airport lounges at major airports across the country.
• Waiver of surcharge on fuel spends.
• Exclusive Concierge service will be available.
• Free access to premier golf courses across the country.
• Reward points for spends on all purchases.
• Facility to convert transactions on the Credit Card to EMI and pay in easy instalments.
• Facility for a contactless transaction is available.
• Online transactions can be secured with Mastercard Secure Code.
• Instant cash-advance facility up to the available credit limit at nominal interest is available. This cash advance is a Personal Loan with no restriction on end-use and can be paid in easy instalments.
• Facility to initiate standing instructions on YesPayNow to pay your utility bills on the due dates
Also Check: Cibil score for credit card
Here are the benefits you can enjoy with the 5 types of credit cards as provided by YES BANK:
Welcome Cashback between Rs. 250 and Rs. 1,250 on spends made in first month.
Attractive cashback on bill payments, movie tickets, dining, shopping, & travel.
Get Yes Bank Reward Points on every use and choose from the bank’s extensive catalogue to redeem your reward points against the purchase.
Convert any large purchases into instant EMI and spread the cost over a longer period.
Yes Bank credit cards are secure with EMV chips/ tap-and-pay NFC chips for quick & secure payments and transactions.
Get fuel surcharge waivers for transactions between Rs. 400 to Rs. 5,000.
With select Yes Bank credit cards, get access to MasterCard lounges.
Secure access on e-payments with a MasterCard PIN.
Yes Bank also provides American Express credit cards offers for high-value customers, giving them access to the best retail services across the world.
The card is available in many variants.
Following are the Yes Bank Credit Card eligibility criteria:
Occupation: Salaried, self-employed, proprietors, and partners of partnership firms.
21 to 70 for Business Credit Cards
21 to 60 for all other cards
Credit score: Above 750
Minimum income criteria:
→YES FIRST Preferred Credit Card: Rs. 2 Lakhs per month or ITR of Rs. 24 Lakhs. This card can also be availed against Fixed Deposit of minimum Rs. 3 Lakhs in select branches of Yes Bank.
→YES PROSPERITY EDGE Credit Card: Rs. 60,000 per month or ITR of Rs. 7.20 Lakhs.
→YES Prosperity Rewards Plus Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs. This card is also issued against Fixed Deposit at select branches of Yes Bank.
→YES Prosperity Rewards Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
→YES FIRST BUSINESS Credit Card: ITR of Rs. 10 Lakhs.
→YES Prosperity BUSINESS Credit Card: ITR of Rs. 5 Lakhs.
→YES FIRST Exclusive Credit Card: Rs. 4 Lakhs per month or ITR of Rs. 50 Lakhs.
→YES Premia Credit Card: Rs. 1.20 Lakhs per month or ITR of Rs. 15 Lakhs.
→YES Prosperity Cashback Plus Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
→YES Prosperity Cashback Credit Card: Rs.25,000 per month or ITR of Rs. 5 Lakhs.
Follow the link for: CIBIL Check Free
The following documents are required to apply for Yes Bank Credit Card:
The charges for YES BANK Credit Card are as mentioned below:
|Type of Charge||Amount|
|Finance charge||1.99% to 3.5% p.m.|
|Charges for late payment|
|Charges for card utilisation over the credit limit||2.5% of the over limit or Rs. 500 whichever is higher.|
|Foreign currency mark -up fee||1.75% to 3.5% depending on the card|
|Cash advance||2.5% of the transaction amount with a minimum of Rs. 300.|
Tip: Check credit score for free before applying for a credit card
Select Yes Bank cards have feature of Reward Points that can be accrued against your retail spends as per the feature of the specific card. Reward Points can be viewed in your monthly Credit Card statements or through NetBanking.
The table below gives details of Yes Bank Credit Card Reward Points and Cashback:
|Name of the Card||Reward Points and Cashback Benefits|
|YES FIRST Preferred Credit Card|
YES PROSPERITY EDGE Credit Card
YES Prosperity Rewards Plus Credit Card
YES Prosperity Rewards Credit Card
YES FIRST BUSINESS Credit Card
YES Prosperity BUSINESS Credit Card
YES FIRST Exclusive Credit Card
YES Prosperity Cashback Plus Credit Card
YES Prosperity Cashback Credit Card
YES Premia Credit Card
Yes Bank offers you an easy way to transfer your outstanding amount with Credit Card of other bank (minimum value of Rs. 2,500) at a lower interest rate of 12% to 15% p.a for tenure of your choice.
This Balance Transfer on EMI Facility is available only to select card members.
You can call the 24×7 YES TOUCH Customer Care Centre to check your eligibility. The EMI for the transferred amount will be charged to card member’s monthly statement.
To avail this Balance Transfer facility:
Additional Reading: Online cibil score check by pan number
The Account Holders of Yes Bank can make Credit Card Payments in the following ways:
All other customers can make the payment in the following ways:
You can use the Yes Bank Mobile App and make payment through Yes Bank Savings account or any other bank account
Vistara Credit Card
Annual Fee: ₹ 1500
Joining Fee: ₹ 1500
Int Rates : 10.25% – 21%
Max Tenure : 5
Loan Amt : ₹ 50,000.00
Lowest EMI : ₹ 2,137.00