ABILITY TO PERSONALISE YOUR CARD || GOOD CASHBACK RATE ON SMALL PURCHASES AT SELECT PARTNERS

Yes Bank BYOC Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Choice of personalising your credit card, with an image you love
10%
Choice of 10% cashback (upto ₹100 per month per partner) at upto 5 select partners - BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy
✔︎
Choice of normal plastic card || eco-friendly card || metal card
✔︎
Complimentary access to airport lounges in India - 1 per quarter
✔︎
Complimentary golf rounds - 4 per year
Annual Fee

₹1188

Minimum Income

₹25,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Nil. The card has a monthly fee structure, starting from ₹99 per month. You can choose 3 plans - ₹99 per month || ₹149 per month || ₹249 per month

HEALTH AND WELLNESS CARD FROM YES BANK

Yes Bank Wellness Credit Card 

Our Rating 3.75
Top Reasons to Choose
✔︎
6 free fitness sessions (gym, yoga, zumba etc) per month - through Aditya Birla Wellness Multiply app
✔︎
Free annual preventive health checkup, on upto 25 parameters || Annual eye and dental check up
✔︎
Unlimited consultations with nutritionist, general practitioner and specialists
✔︎
2.50% benefit on purchases at chemists/pharmaceutical stores
Annual Fee

₹749

Minimum Income

₹20,000 per month (salaried) || ₹7.50 lakhs per year (self-employed

Annual Fee Offers
  • Nil

STARTER CARDS WITH A LOW minimum income requirement || ANNUAL FEE WAIVER AT ₹50000 YEARLY CARD SPEND

Yes Bank ACE Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Low minimum income requirement of ₹25,000 per month (for salaried individuals)
✔︎
Low annual card spend requirement of ₹50,000, to get annual fee waived from the 2nd year onwards
Annual Fee

₹399

Minimum Income

₹25,000 per month (salaried) / ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at card spends of ₹5000, done within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

BEST FOR AIRPORT LOUNGE ACCESS AND GOLF OFFERS

Yes Bank SELECT Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Complimentary visits to airport lounges in India – 1 per quarter
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
Annual Fee

₹399

Minimum Income

₹50,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at card spends of ₹10,000, done within 30 days of card issuance.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakhs or more in the previous year

BEST FOR AIRPORT LOUNGE ACCESS AND GOLF OFFERS

Yes Bank ELITE Credit Card 

Our Rating 3.50
Top Reasons to Choose
✔︎
Complimentary visits to international airport lounges – 3 per year
✔︎
Complimentary visits to airport lounges in India – 2 per quarter
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
Annual Fee

₹999

Minimum Income

₹1 lakh per month (salaried) || ₹9 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at card spends of ₹20,000, done within 30 days of card issuance.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, on card spends ₹2 lakhs or more in the previous year

YES BANK PREMIUM CARD - ATTRACTIVE REWARDS ON ONLINE SPENDING || RANGE OF LIFESTYLE BENEFITS

Yes Bank Marquee Credit Card

Our Rating 3.75
Top Reasons to Choose
4.50%
Benefit on online shopping
2.25%
Benefit on offline shopping
✔︎
Unlimited free visits to international airport lounges
✔︎
Complimentary visits to airport lounges in India – 6 per quarter
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
✔︎
BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
✔︎
Low fee (foreign currency markup) of 1% on international transactions
Annual Fee

₹4999

Minimum Income

₹3 lakh per month (salaried) || ₹24 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 60,000 reward points worth ₹15000, as a welcome gift.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹10 lakhs or more in the previous year

MID-RANGE CARD FROM YES BANK

Yes Bank RESERV Credit Card

Our Rating 3.50
Top Reasons to Choose
3%
Benefit on online shopping
✔︎
Complimentary visits to airport lounges in India – 3 per quarter
✔︎
Complimentary visits to international airport lounges – 6 per year
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
Annual Fee

₹1999

Minimum Income

₹2 lakh per month (salaried) || ₹18 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off, if you spend ₹40,000 within 30 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹3 lakhs or more in the previous year

Yes Bank Credit Card Offers

As a Yes Bank Credit Card customer, you get a wide range of offers and rewards. Some of the popular Yes Bank Credit Card offers are -

  • Yes Bank Credit Cards with airport lounge access offers
  • Yes Bank Credit Cards with online shopping offers
  • Yes Bank Credit Cards with gym offers
  • Yes Bank Credit Cards with movie offers
  • Yes Bank Credit Cards with dining offers
  • Yes Bank Credit Cards with international spend offers

You earn reward points on your credit card purchases, higher reward points are offered in certain promotion categories.

Which is the best Yes Bank Credit Card?

The best card depends on many factors. It depends on your personal circumstances like income, credit score and more. It also depends on your spending patterns and preferences. For example, some credit cards may offer higher rewards on certain types of credit card spends, while some people may prefer a lifetime free or a lower annual fee card even though the rewards on the card maybe comparatively lower. 

On this page, we have given detailed information on various Yes Bank Credit Cards, based on which you can make an informed choice. Please note that Yes Bank Rewards Credit Card, which is a popular Yes Bank Card, has been discontinued for new customers. 

How can I apply for a Yes Bank Credit Card? 

You can apply for a Yes Bank Credit Card online or offline.

Yes Bank Credit Card - Apply Online 

You can apply for a Yes Bank Credit Card online, by clicking the APPLY NOW button provided against each of the Yes Bank Credit Cards on this page. You shall be taken to the credit card application page on the Yes Bank website. 

You can also visit the official website of Yes Bank, and fill out the respective credit card application form. 

The Yes Bank Credit Card online card application process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

Yes Bank Credit Card - Apply Offline 

You can also apply for a Yes Bank Credit Card offline, by visiting any of the nearest branches of Yes Bank. They shall help you complete the credit card application process.

Eligibility criteria for getting a Yes Bank Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the Yes Bank Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 18 years to 60 years
  • Income : Minimum income requirements are given for each of the Yes Bank cards
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for a Yes Bank Credit Card

Some of the basic documents required are-

  • PAN card copy
  • Identity proof : PAN card , driving license, valid passport, voter ID (any one)
  • Address proof : Electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
  • Income proof : latest salary slip/s, income tax returns

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my Yes Bank Credit Card application? 

After you have applied for a Yes Bank credit card, you can track your credit card application status by clicking here – Yes Bank Credit Card Application Status. You need to enter some basic personal details like mobile number, application form number or application reference number.

Yes Bank Credit Card Charges

Please find below some important Yes Bank Credit Card charges.

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card, a first year annual fee which is often called joining fees, and then an ongoing annual fee from the 2nd year onwards. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest charges

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section. 

Hence, it is important to keep track of your credit card bill payment due date, and pay your credit card bills in time. The easiest way is to set up monthly payment instructions from your bank account. 

Cash withdrawals

You can use your Yes Bank Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all Yes Bank Credit Cards, please click here – Yes Bank Credit Cards Fees & Charges .

Best Credit Cards

Please see below some of the best credit cards on offer-

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards