Backed by the stability and reliability of Yes Bank, these (Yes Bank’s) credit cards offers a range of benefits that cater to the diverse needs of modern consumers. Whether it is to streamline your spending, earn rewarding points, or enjoy exclusive privileges, the Yes Bank Credit Cards are designed to simplify your financial life and elevate your overall banking experience.
Yes Bank Credit Card offers in India
Benefits and Features of Yes Bank Credit Card
Benefits:
- Reward Points: The Yes Bank Credit Card offers a rewarding points program, allowing cardholders to earn points on their everyday purchases. These points can be redeemed for a variety of benefits, including cash back, merchandise, travel, and more.
- Flexible Repayment Options: The card provides flexible repayment options, allowing cardholders to choose between the minimum due amount or pay a higher amount to clear their balances faster and reduce interest charges.
- Complimentary Insurance Coverage: The card comes with complimentary insurance benefits, such as travel insurance, purchase protection, and extended warranty coverage, providing added security and peace of mind for cardholders.
- Exclusive Offers and Discounts: Cardholders can enjoy exclusive offers and discounts at partner merchants, ranging from dining and shopping to entertainment and travel, providing opportunities to save money on their regular expenses.
- Digital Wallet Integration: The Yes Bank Credit Card can be easily added to digital wallets, enabling contactless payments and hassle-free transactions.
Features:
- Competitive Interest Rates: The card offers competitive interest rates, making it a suitable option for those who carry a balance and need to manage their finances effectively.
- Personalized Card Design: Cardholders have the option to choose from a variety of card designs, allowing them to personalize their credit card to reflect their style and preferences.
- 24/7 Customer Support: The card comes with round-the-clock customer support, ensuring that cardholders can get assistance whenever they need it.
- Mobile App Integration: The Yes Bank Credit Card can be seamlessly managed through the bank’s mobile app, providing cardholders with a convenient and user-friendly platform to track their spending, view transactions, and manage their account.
- EMI Facility: The card offers an EMI (Equated Monthly Installment) facility, allowing cardholders to convert their purchases into manageable monthly payments, making it easier to manage large expenses.
Fees & Charges of Yes Bank Credit Cards
Annual Fee
- The annual fee for the Yes Bank Credit Card is ₹500 for the primary cardholder.
- There is no annual fee for the first year for new customers.
- Additional card holders are charged an annual fee of ₹300 per card.
Interest Rates
- The standard interest rate on the Yes Bank Credit Card is 3.49% per month (41.88% per annum).
- For cash advances, the interest rate is 3.99% per month (47.88% per annum).
- An interest-free grace period of up to 50 days is provided on purchases, if the full outstanding balance is paid by the due date.
Cash Advance Fees
- A cash advance fee of 2.5% of the transaction amount (minimum ₹300) is applicable on all cash withdrawals.
Late Payment Fees
- A late payment fee of ₹500 is charged if the minimum amount due is not paid by the payment due date.
Over Limit Fees
- An over-limit fee of ₹500 is charged if the card balance exceeds the credit limit.
- If the card balance exceeds the credit limit, a Overlimit Penalty Interest of 3.99% per month (47.88% per annum) is charged on the overlimit amount.
Other Fees
- Cheque bounce fee: ₹500
- Duplicate statement fee: ₹100 per statement
- Card replacement fee: ₹100
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Documents Required Applying for yes Bank Credit Card
Proof of Identity:
- Copy of your PAN (Permanent Account Number) card
- Copy of your Aadhaar card
- Copy of your Voter ID or Passport
Proof of Address:
- Copy of your utility bills (electricity, water, or gas bill) not older than 3 months
- Copy of your bank account statement not older than 3 months
- Copy of your rental agreement or property tax receipt
Proof of Income:
For Salaried Individuals:
- Copy of your latest salary slip
- Copy of your Form 16 (Tax Deduction Certificate) or IT returns for the last 2 years
For Self-Employed Individuals:
- Copy of your business registration certificate
- Copies of your IT returns for the last 2 years
- Copy of your bank account statements for the last 6 months
Passport Size Photographs:
- 2-3 recent passport-size photographs
Duly Filled Application Form:
- The application form can be obtained from the Yes Bank website or branch.
Eligibilty for Applying Yes Bank Credit Card
To apply for a Yes Bank Credit Card, you need to meet the following eligibility criteria:
Minimum Age
- You must be at least 18 years old to apply for a Yes Bank Credit Card.
- In some cases, the minimum age may be 21 years old, depending on the specific credit card product.
Permanent Residence
- You must be a resident of India with a valid permanent address.
- Non-resident Indians (NRIs) may also be eligible for certain Yes Bank Credit Card products, subject to additional requirements.
Income Criteria
- You must have a minimum annual income of ₹2.4 lakhs (for salaried individuals) or ₹3 lakhs (for self-employed individuals).
- The income criteria may vary depending on the credit card product you’re applying for.
Credit History
- You should have a good credit history with no major delinquencies or defaults on past credit obligations.
- Yes Bank may perform a credit check to assess your creditworthiness.
Employment Status
- If you’re a salaried employee, you must be employed with a reputable organization for at least 6 months.
- If you’re self-employed, you must have been in business for at least 2 years.
Identity Proof
- You’ll need to provide valid identity proofs, such as a PAN card, Aadhaar card, or passport.
Additional Documents
- Depending on your employment status and income source, you may be required to submit additional documents, such as salary slips, bank statements, or business financials.
Yes Bank Credit Card Rewards Points Earning
The Yes Bank Credit Card offers an excellent rewards program that allows you to earn points on your everyday purchases. Here’s how you can maximize your rewards:
- Earn Rewards on Everyday Spends: You can earn 1 reward point for every ₹100 spent on your Yes Bank Credit Card. This includes purchases made at grocery stores, restaurants, fuel stations, and more.
- Bonus Points on Select Categories: The credit card also provides bonus points on specific categories to help you earn rewards faster. For example, you can earn 2 reward points for every ₹100 spent on online shopping, utility bill payments, and travel-related expenses.
- Accelerated Points on Dining and Grocery: When you use your Yes Bank Credit Card at restaurants and grocery stores, you can earn 3 reward points for every ₹100 spent, giving you an even greater boost to your rewards.
- Welcome Bonus: As a new cardholder, you can enjoy a generous welcome bonus of up to 10,000 reward points when you spend a certain amount on your card within the first few months.
- Bonus Points on Fuel Transactions: To help you save on your daily commute, the Yes Bank Credit Card offers 2 reward points for every ₹100 spent on fuel purchases.
- No Expiry on Reward Points: Your earned reward points never expire, so you can accumulate them over time and redeem them whenever you need to.
- Redeem for Exciting Rewards: You can redeem your accumulated reward points for a wide range of rewards, including gift vouchers, merchandise, travel, and even statement credits to offset your card bill.
How to Spend Yes Bank Credit Card Rewards
Earning rewards with your Yes Bank credit card is just the first step – the real fun comes when you get to redeem those points for valuable rewards.
Redeem for Travel
- One of the most popular ways to utilize your Yes Bank credit card rewards is to redeem them for travel. You can use your points to book flights, hotels, rental cars, and more directly through the Yes Bank rewards portal.
- When redeeming for travel, you’ll often get the most value per point. Look for ways to maximize your redemption value, such as booking higher-priced flights or hotels.
- You can also transfer your Yes Bank points to various airline and hotel loyalty programs for even more redemption options.
Shop with Rewards
- Your Yes Bank credit card rewards can be redeemed for a wide variety of merchandise, gift cards, and online shopping. Browse the rewards catalog to find appealing options.
- Redeeming rewards for gift cards can be a great way to get value, as you can use them to purchase things you need.
- You can also use your points to cover purchases directly on Amazon or at other online retailers through the Yes Bank rewards portal.
Get Cash Back
- Another convenient redemption option is to simply convert your Yes Bank rewards points into a statement credit or direct deposit into your bank account.
- This provides you with flexibility to use the cash however you’d like, whether that’s paying down your credit card balance or covering other expenses.
- Cash back redemptions may not provide the highest value per point, but they offer simplicity and convenience.
Donate to Charity
- Yes Bank allows you to donate your credit card rewards points to various charitable organizations.
- This is a great way to give back and support causes you care about, all while getting rid of those excess points.
- The redemption value for charity donations may not be as high as other options, but the feel-good factor can make it worthwhile.
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How to apply for Yes Bank Credit Card?
Applying for a Yes Bank Credit Card is a straightforward process that can be completed either online or by visiting a nearby Yes Bank branch.
Online Application:
- Visit the official Yes Bank website and locate the “Credit Cards” section.
- Click on the “Apply Now” button or navigate to the online application form.
- Select the credit card variant that best suits your needs and requirements.
- Fill in the required personal and financial details accurately in the online application form.
- Upload the necessary documents, such as identity proof, address proof, and income proof.
- Review the information you’ve provided and agree to the terms and conditions.
- Submit the application form.
After submitting the online application, a representative from Yes Bank may contact you to verify the details or request additional documents, if required.
Branch Visit:
- Locate the nearest Yes Bank branch convenient for you.
- Visit the branch during working hours and approach the customer service desk.
- Request assistance for applying for a Yes Bank Credit Card.
- A bank representative will guide you through the application process and provide the necessary forms.
- Fill out the application form with your personal and financial details accurately.
- Submit the completed form along with the required documents, such as identity proof, address proof, and income proof.
- The bank representative will review your application and may ask for additional information or clarification, if needed.
Regardless of the application method you choose, it’s essential to provide accurate and up-to-date information to avoid any delays or complications in the process. Additionally, ensure that you meet the eligibility criteria set by Yes Bank for the specific credit card you’re applying for.
Once your application is processed and approved, you will receive your new Yes Bank Credit Card, along with the associated terms and conditions, within the specified time frame.
How to Track Applications Status of Yes Bank Credit Card?
Applying for a credit card can be an exciting yet nerve-wracking process, especially when you’re waiting to hear back about the status of your application.
To check the status of your Yes Bank credit card application, you have several convenient options at your disposal:
- Online Banking Portal: If you’re an existing Yes Bank customer, simply log in to your online banking account and navigate to the “Credit Card” section. Here, you’ll find a dedicated page or tab that allows you to view the current status of your credit card application, including any additional information or documents required.
- Mobile Banking App: For those who prefer the convenience of banking on-the-go, the Yes Bank mobile app offers a seamless experience. After logging in, locate the “Credit Card” section and follow the prompts to check the status of your application.
- Customer Care Hotline: If you prefer a more personalized approach, you can reach out to Yes Bank’s dedicated customer care team. Our friendly and knowledgeable representatives are available to assist you with any inquiries regarding your credit card application status. Simply dial the customer care hotline number provided on the bank’s website or in your application documents.
- Branch Visit: If you’re in the vicinity of a Yes Bank branch, you can visit in person and speak with a representative. They will be able to access your application details and provide you with the most up-to-date information on the status of your credit card request.
Regardless of the method you choose, tracking your credit card application status is a straightforward process.
How to Activate Yes Bank Credit Cards?
Activating your new Yes Bank credit card is a simple and straightforward process. Once you receive your brand-new card, you’ll need to follow a few easy steps to unlock its full potential. Here’s how you can activate your Yes Bank credit card:
- Call the Activation Hotline: The most common method to activate your card is by calling the toll-free number provided on the sticker or in the accompanying documentation. This hotline is available 24/7, ensuring you can activate your card at your convenience.
- Visit the Nearest Branch: If you prefer a more personal touch, you can visit your nearest Yes Bank branch and have a representative assist you with the activation process. Be sure to carry your new credit card and a valid photo ID for verification purposes.
- Online Activation: In today’s digital age, Yes Bank offers the convenience of activating your credit card online through their secure website or mobile app. Log in to your account, navigate to the credit card section, and follow the prompts to activate your new card with just a few clicks.
- SMS or Missed Call: Depending on the type of credit card you have, Yes Bank may provide the option to activate your card via a simple SMS or missed call from your registered mobile number. Check the instructions provided with your card for specific details on this method.
Once you’ve completed the activation process, your Yes Bank credit card will be ready for use. Remember, it’s essential to activate your card as soon as possible to ensure maximum security and prevent any potential misuse.
During the activation process, you may be prompted to set up or update your credit card PIN (Personal Identification Number) and other security features. This is a standard practice to safeguard your account and transactions.
Yes Bank Credit Cards Login/Net banking
Logging into your Yes Bank credit card account is a simple process that allows you to manage your card and transactions online.
- To log in to your Yes Bank credit card account, you’ll need to visit the official Yes Bank website and navigate to the credit card login section. Here, you’ll be prompted to enter your registered credit card number and a secure password. If you’re a first-time user, you may need to follow the instructions provided to set up your online account and create a password.
- Once logged in, you’ll have access to a comprehensive dashboard that provides an overview of your credit card account. From here, you can view your latest transactions, check your outstanding balance, and monitor your credit limit. Additionally, you can download your monthly statements, set up automatic payment reminders, and even initiate bill payments directly from the portal.
- One of the key advantages of using the Yes Bank credit card login is the ability to manage your account on the go. The bank offers a user-friendly mobile app that allows you to access your account from your smartphone or tablet. With the app, you can check your balance, view transactions, and even make secure payments while on the move.
- Security is a top priority for Yes Bank, and they have implemented robust measures to ensure the safety of your personal and financial information. The credit card login portal employs industry-standard encryption protocols to protect your data from unauthorized access. Additionally, the bank may employ additional security measures, such as one-time passwords (OTPs) or biometric authentication, to further enhance the security of your account.
Yes Bank Credit Card Customer Care
Yes Bank provides dedicated customer care support for all its credit card holders through multiple channels – phone, email, website, and mobile app.
- For any queries, concerns, or issues related to your Yes Bank credit card, you can reach out to their 24/7 customer care helpline by dialing the toll-free number provided on the back of your card.
- Experienced and knowledgeable customer care executives are available round-the-clock to assist you with inquiries regarding your credit card account, transactions, billing, rewards, and more.
- If you prefer written communication, you can email your queries to Yes Bank’s customer care email address, which is readily available on their website and in the bank’s communication materials.
- The bank’s website also has a comprehensive FAQ section and self-service portal, where you can find answers to common questions, manage your account, and resolve minor issues without the need for direct assistance.
- For tech-savvy customers, Yes Bank offers a user-friendly mobile app that allows you to access your credit card account details, view statements, make payments, and even reach out to customer care through in-app chat or call-back requests.
- In addition to resolving issues, Yes Bank’s customer care team can also guide you through the various features, benefits, and rewards associated with your credit card, ensuring you make the most out of your card.