🏦 YES Bank · Rewarding Banking Since 2004 · Official Guide
Best YES Bank Credit Cards in India 2026 – Compare & Apply
YES Bank offers a premium suite of credit cards for lifestyle, travel, shopping, dining, and business needs. Compare all YES Bank credit cards, check your free eligibility, and apply instantly at MyBankingTips.
🎁 YES Rewardz
✈️ Travel Benefits
🍽️ Dining Privileges
💼 Business Cards
🛡️ Premium Lifestyle
YES Bank Credit Cards — Where Every Spend is Rewarded
YES Bank is one of India's fastest-growing private sector banks,
known for innovative banking products and a strong focus on
rewarding customer loyalty. YES Bank's credit card portfolio spans
lifestyle, travel, premium, and business segments — offering
competitive reward rates through the
YES Rewardz programme, exclusive lifestyle
privileges, airport lounge access, and robust co-brand
partnerships. At MyBankingTips, compare all YES Bank credit cards,
check eligibility for free, and apply online without impacting
your CIBIL score.
YES Bank, headquartered in Mumbai, operates 1,000+
branches and 1,800+ ATMs across India. After a brief period of
reconstruction in 2020, YES Bank has emerged stronger with renewed
focus on retail banking and credit card services. Its credit card
portfolio now offers some genuinely competitive products —
especially for customers looking for high reward rates on everyday
categories.
YES Bank credit cards are issued on Visa and RuPay networks and are
managed via the YES Mobile app and YES Online net banking portal.
The bank's YES Rewardz programme allows cardholders
to earn points on virtually every spend and redeem them for travel,
merchandise, vouchers, and statement credits.
💡
Key Highlight: The
YES FIRST Exclusive Credit Card is YES Bank's
flagship premium card — offering
unlimited lounge access, 12 Reward Points per ₹100 on travel
bookings, and comprehensive travel insurance. It is highly regarded for
the value it delivers relative to its annual fee.
Top YES Bank Credit Cards in India 2026
Here are the best YES Bank credit cards across lifestyle, travel,
shopping, and business categories — compare and apply for the one
that fits your needs:
YES Bank Credit Cards — Comparison Table
| Card |
Annual Fee |
Best For |
Reward Rate |
Lounge |
Fee Waiver |
Apply |
| YES FIRST Exclusive |
₹9,999 |
Premium Travel |
12 pts/₹100 (travel) |
Unlimited |
₹10L spend |
Apply →
|
| YES FIRST Preferred |
₹2,499 |
Mid-Premium |
8 pts/₹100 |
6/quarter |
₹3L spend |
Apply →
|
| YES Premia |
₹999 |
Dining & Rewards |
6 pts/₹100 |
4/year |
₹1.5L spend |
Apply →
|
| YES Prosperity Plus |
₹399 |
Entry Level |
4 pts/₹100 |
None |
₹80K spend |
Apply →
|
| YES Ace |
₹499 |
Fuel & Cashback |
5% fuel / 2% online |
None |
₹1L spend |
Apply →
|
| YES FIRST Business |
₹1,999 |
Business Owners |
6 pts/₹100 |
Unlimited |
₹3L spend |
Apply →
|
Find Your Perfect YES Bank Card — Free Expert Guidance
Our YES Bank specialists compare all cards to find the best match
for your income and lifestyle. Free eligibility check, no CIBIL
impact, 30-min expert callback.
How to Apply for a YES Bank Credit Card Online at MyBankingTips
Applying for a YES Bank credit card online through
MyBankingTips is fast, free, and fully digital. Here's your complete
guide:
1
Compare All YES Bank Cards on This Page
Use the card grid and comparison table above to identify which
YES Bank credit card best suits your spending profile —
travel, cashback, dining, business, or entry-level.
2
Free Eligibility Check — Zero CIBIL Impact
Enter your income, employment type, and city for an instant
soft eligibility check. This is a soft enquiry with absolutely
no impact on your CIBIL score.
3
Click Apply Now & Complete the Form
You'll be redirected to the official YES Bank or partner
portal. Fill in your personal details — name, PAN, DOB,
address — and employment/income details. Takes under 5
minutes.
4
Upload KYC & Income Documents
Upload PAN card, Aadhaar, latest 3 months' salary slips, and
6-month bank statement digitally. YES Bank supports Aadhaar
OTP-based eKYC for eligible applicants.
5
Application Review & Approval
YES Bank processes your application and runs a CIBIL check.
Existing YES Bank account holders often receive faster
in-principle approval with minimal documentation.
6
Card Delivery & YES Rewardz Activation
Physical card dispatched within 7–10 working days. Activate
via YES Mobile app and register for YES Rewardz to start
earning points from your very first transaction.
💡
YES Bank Account Holders: Log in to the YES
Mobile app → Cards → "Pre-approved Offers" to check if you have an
instant pre-approved credit card offer with minimal documentation
and near-instant digital approval.
YES Bank Credit Card Fees & Charges
Complete breakdown of all
YES Bank credit card fees and charges for informed
financial planning:
| Fee / Charge |
Amount |
Notes |
| Joining / Annual Fee |
₹399 – ₹9,999 + GST |
Varies by card; most have spend-based waiver conditions
|
| Finance Charges (Interest) |
3.8% per month (45.6% p.a.) |
Among India's higher rates; always pay in full monthly
|
| Late Payment Fee |
₹100 – ₹1,300 |
Slab-based on total amount outstanding |
| Cash Advance Fee |
2.5% or ₹300 (whichever higher) |
Interest from withdrawal date; no grace period on cash
|
| Foreign Transaction Fee |
3.5% + GST |
Applicable on all international purchase transactions |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per billing cycle |
| Fuel Surcharge |
1% of fuel transaction |
Waiver up to ₹250/month on YES Ace card |
| Card Replacement Fee |
₹199 – ₹500 |
For lost, stolen, or damaged card replacement |
| Cheque Return Fee |
₹500 per instance |
For dishonoured payment instruments |
| GST on All Charges |
18% |
Applicable on all YES Bank credit card fees |
⚠️
High Interest Rate Alert: YES Bank charges
3.8% per month (45.6% per annum) — one of the
highest in India. This makes it especially important to pay 100%
of your outstanding balance every month. Partial payments trigger
interest on the ENTIRE outstanding from the statement date.
YES Bank Credit Card Eligibility Criteria
Review the standard
YES Bank credit card eligibility requirements
before applying:
Age: 21 – 60 Years
Primary cardholder must be 21–60 years old. Add-on cardholders
eligible from 18 years. Self-employed up to 65 years on select
cards.
Income: ₹20,000+/month
Entry cards: ₹20,000/month. YES Premia: ₹35,000+/month. YES
FIRST Preferred: ₹50,000+/month. YES FIRST Exclusive:
₹1L+/month.
CIBIL Score: 700+
Minimum 700 CIBIL recommended. YES FIRST Exclusive and FIRST
Preferred require 750+. Clean repayment history is a key
factor for YES Bank approvals.
Residency: Indian Citizen
Indian residents with valid address proof and PAN card.
Minimum 1 year at current address preferred by YES Bank for
credit assessment.
Employment: Salaried or Self-employed
Both salaried professionals and self-employed business owners
are eligible. Stable employment/business of 1+ year preferred
by YES Bank.
YES Bank Account Advantage
Existing YES Bank savings, salary, or premium banking account
holders receive priority card processing and may be eligible
for pre-approved instant offers.
Documents Required for YES Bank Credit Card
Keep these documents ready for a smooth, digital
YES Bank credit card application:
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory for all), Aadhaar Card, Passport, Voter
ID, Driving Licence
|
| Address Proof |
Aadhaar Card, Passport, Voter ID, Utility bill (last 3
months), Registered rent agreement
|
| Income Proof – Salaried |
Last 3 months' salary slips, Latest Form 16, Last 6 months'
bank statement with salary credits
|
| Income Proof – Self-employed |
Latest 2 years' ITR with computation, Business proof
(GST/trade licence), Last 6 months' bank statement
|
| Photograph |
Recent passport-size photograph (digital Aadhaar OTP eKYC
accepted for eligible applicants)
|
YES Bank Credit Card Features & Benefits
YES Bank credit cards offer a comprehensive set of features designed
to reward every aspect of your lifestyle:
🎁
YES Rewardz Points
Earn 4–12 Reward Points per ₹100 spent. Never expire (as long as
card is active). Redeemable for travel, vouchers, merchandise &
cashback
✈️
Airport Lounge Access
Complimentary lounge access — 4/year on entry cards, up to
unlimited on YES FIRST Exclusive and FIRST Business — at 700+
domestic & international lounges
🍽️
Dining Privileges
Exclusive dining discounts at 500+ premium restaurants across
India. 10X reward points on all dining transactions on YES
Premia and premium cards
⛳
Golf Privileges
Complimentary golf rounds at top Indian golf courses for YES
FIRST Exclusive cardholders — a premium lifestyle benefit for
discerning users
💼
Business Spend Controls
YES FIRST Business card offers category-level spend controls,
employee card management, and detailed expense reporting for
business owners
🛡️
Zero Liability Cover
Complete protection against unauthorised transactions reported
within 7 days. Instant card block via YES Mobile app, SMS, or
24×7 helpline
Additional YES Bank card perks include:
travel insurance up to ₹1.5 Cr (FIRST Exclusive),
fuel surcharge waivers, complimentary movie tickets, contactless
payments, EMI on all major purchases, and exclusive offers on
BookMyShow, Swiggy, and Amazon.
YES Bank Credit Card Bill Payment Methods
Always pay your YES Bank credit card bill in full before the due
date. Given the 3.8%/month interest rate, timely full payment is
especially important:
| Payment Method |
Platform |
Time to Reflect |
| YES Mobile Banking App |
iOS / Android |
Instant |
| YES Online Net Banking |
yesbank.in |
Instant |
| NEFT / IMPS / RTGS |
Any bank app or branch |
Instant – 2 hours |
| Auto Pay / ECS Mandate |
YES Bank or other bank |
Auto on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI apps |
Instant |
| BBPS (Bharat Bill Pay) |
Any BBPS-enabled app |
Instant – 2 hours |
| YES Bank ATM |
YES ATMs |
Same day |
| Cheque at Branch |
YES Bank Branch |
3–5 working days |
💡
Strongly Recommended: Set up ECS auto-debit for
the full outstanding amount via YES Mobile app → Cards → "Auto
Pay". With YES Bank's 3.8%/month interest rate, paying in full
every month is the single most important financial habit for YES
card holders.
How to Activate Your YES Bank Credit Card
1
Via YES Mobile Banking App
Open YES Mobile → Cards → Credit Cards → Select your new card
→ "Activate Card" → Verify with OTP on registered mobile.
Instant activation.
2
Via YES Online Net Banking
Log in to yesbank.in → Cards → Credit Cards → Select new card
→ "Activate" → Complete OTP verification on your registered
mobile number.
3
Via Customer Care IVR
Call YES Bank helpline 1800-1200 (toll-free) and follow IVR
prompts for credit card activation. Identity verified via date
of birth and card details.
4
First ATM PIN Transaction
Visit any YES Bank ATM → Credit Card PIN setup using the PIN
mailer received separately → Complete a test transaction to
auto-activate the card.
YES Bank Credit Card Login & Net Banking
Manage your YES Bank credit card 24×7 via these official digital
platforms:
Through YES digital platforms you can:
view live statements, pay bills, convert to EMI, track YES
Rewardz points, dispute transactions, block/unblock card, update
KYC, and manage all add-on cards — all in one place.
How to Track YES Bank Credit Card Application Status
| Method |
How to Check |
| YES Bank Website |
Visit yesbank.in → Cards → "Track My Application" → Enter
Reference Number + mobile number
|
| YES Mobile App |
YES Mobile → Cards → "Application Status" → Real-time
processing stage update
|
| Customer Care |
Call 1800-1200 with your Application Reference Number and
date of birth
|
| SMS |
SMS "TRACK <Ref No.>" to 9840909000 from your
registered mobile number
|
| Email Updates |
YES Bank sends automated status updates to your registered
email at each processing stage
|
YES Rewardz Programme — Earn More on Every Spend
The YES Rewardz programme is YES Bank's loyalty
currency that rewards every eligible transaction. Here's the earning
structure across cards:
| Card |
Base Earning Rate |
Accelerated Rate |
Points Validity |
| YES FIRST Exclusive |
8 pts/₹100 |
12 pts/₹100 on travel bookings |
Active account; no expiry |
| YES FIRST Preferred |
8 pts/₹100 |
10X on dining & travel |
Active account; no expiry |
| YES Premia |
6 pts/₹100 |
10X on dining |
2 years from earn date |
| YES Prosperity Plus |
4 pts/₹100 |
10X on grocery transactions |
2 years from earn date |
| YES Ace |
Direct CB 2% online |
5% on fuel transactions |
Statement credit; no expiry |
| YES FIRST Business |
6 pts/₹100 |
8X on business travel |
Active account; no expiry |
ℹ️
YES Rewardz Point Value: 1 YES Rewardz Point =
approximately ₹0.25 for statement credit. For travel redemptions,
the value rises to ₹0.50–₹1 per point. YES FIRST Exclusive and
FIRST Preferred points do not expire as long as the card account
remains active and in good standing — ideal for long-term point
accumulators.
How to Redeem YES Rewardz Points
1
Via YES Mobile App / Net Banking
Log in → Cards → YES Rewardz → Browse catalogue of flights,
hotels, electronics, vouchers → Select item → Confirm
redemption. Instant confirmation sent to registered email.
2
Statement Credit Redemption
Redeem points against your outstanding credit card balance.
Minimum 500 points; value ~₹0.25/point. Credited to your next
billing statement automatically.
3
Travel Redemption (FIRST Cards)
YES FIRST Exclusive and Preferred cardholders can book flights
and hotels through the YES travel portal using Rewardz points
for best value — up to ₹1/point on premium bookings.
4
Partner Vouchers & Merchandise
Redeem for Amazon, Flipkart, Myntra, Shoppers Stop, PVR, and
200+ brand gift vouchers through the YES Rewardz catalogue
available on the YES Mobile app.
YES Bank Credit Card Balance Transfer
Move high-interest balances from other cards to your YES Bank card
at a lower promotional rate and save on finance charges:
| Feature |
Details |
| Minimum Transfer Amount |
₹5,000 |
| Maximum Transfer Amount |
Up to 75% of available YES Bank credit limit |
| Balance Transfer Rate |
1.5% – 1.99% per month (promotional; lower than standard
3.8%)
|
| Repayment Tenure |
3, 6, 9, or 12 months |
| Processing Fee |
2% of transfer amount + GST (minimum ₹250) |
| Eligibility |
Active YES Bank credit card with 6+ months usage and good
repayment history
|
| Processing Time |
3–5 working days via NEFT to the other bank |
Apply for balance transfer via YES Mobile app → Cards → "Balance
Transfer" or call the YES Bank helpline 1800-1200.
When is Interest Charged on a YES Bank Credit Card?
✅ When Interest is NOT Charged
-
✓When you pay 100% of total outstanding balance
by the payment due date
-
✓On retail purchases within the interest-free
grace period
-
✓On EMI transactions — only the specific EMI
interest rate applies
-
✓On cashback credits, fee reversals, and reward
adjustment entries
❌ When Interest IS Charged
-
✗On any balance carried forward from the previous
billing cycle
-
✗On cash advances — interest starts from the
exact withdrawal date
-
✗On the ENTIRE outstanding if even ₹1 remains
unpaid by due date
-
✗When only the minimum due amount is paid
(partial payment)
⚠️
Critical — Pay in Full: YES Bank charges
3.8% per month (45.6% per annum) — one of India's
highest credit card rates. Interest applies on the ENTIRE
outstanding balance from the statement date if even ₹1 is left
unpaid. Never pay only the minimum due.
YES Bank Credit Card Interest-Free Period
| Detail |
YES Bank Policy |
| Maximum Interest-Free Period |
Up to 48 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
18 days after statement generation date |
| Condition for Zero Interest |
Full total outstanding (not minimum due) paid by due date
|
| Applicable on |
Retail purchases only — NOT on cash advances or quasi-cash
|
| Grace period forfeited if |
Any unpaid balance carried forward from prior statement
|
💡
Maximise Your Grace Period: Make large purchases
right after your billing cycle date to enjoy the full 48-day
interest-free window. Your billing date is visible on any YES Bank
statement or in the YES Mobile app under Card Details.
YES Bank Credit Card EMI Facility
Convert large purchases into manageable monthly instalments with YES
Bank's Easy EMI programme:
| Feature |
Details |
| Minimum Transaction for EMI |
₹3,000 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 24% p.a. depending on tenure and card variant |
| No-Cost EMI |
Available at Amazon, Flipkart, Croma, Samsung, Apple &
select partners
|
| Balance to EMI |
Convert outstanding balance to EMI; minimum ₹3,000; tenures
3–24 months
|
| Foreclosure Charges |
3% on outstanding principal + applicable GST |
To convert a purchase to EMI, open YES Mobile app → Cards →
Transactions → Select purchase → "Convert to EMI", or call 1800-1200
within 30 days of the transaction date.
YES Bank Credit Card Customer Care
YES Bank offers round-the-clock customer support with multiple
contact channels for credit card queries and assistance:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1800-1200 |
24×7 |
| Non-Toll-Free / From Abroad |
+91-22-5093-6000 |
24×7 |
| YES Robot (AI Chatbot) |
YES Mobile App & yesbank.in |
24×7 |
| Email Support |
customer.care@yesbank.in |
Response within 48 hours |
| Twitter / X |
@YESBankCare |
Mon–Sat 9AM–6PM |
| Branch Visit |
Nearest YES Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
💡
Emergency Card Block: Call 1800-1200 or use YES
Mobile app → Cards → "Block Card" to instantly block your YES Bank
credit card if it's lost or stolen. Your card is blocked in
seconds and a replacement is dispatched within 5–7 working days.
Quick Links to Manage Your YES Bank Credit Card
Frequently Asked Questions About YES Bank Credit Cards
Which is the best YES Bank credit card in 2026?
For premium travel: YES FIRST Exclusive (unlimited lounge, 12X travel pts, golf). For mid-premium: YES FIRST Preferred (8 pts/₹100, 6 lounge visits/quarter). For dining & rewards: YES Premia (6 pts/₹100, 10X dining). For fuel savings: YES Ace (5% fuel cashback). For entry-level: YES Prosperity Plus (₹399 fee, 10X grocery). For business owners: YES FIRST Business. Contact our MyBankingTips experts for personalised guidance.
What are the benefits of the YES FIRST Exclusive Credit Card?
The YES FIRST Exclusive Credit Card offers: (1) Unlimited domestic and international airport lounge access, (2) 12 YES Rewardz Points per ₹100 on travel bookings, (3) 8 pts/₹100 on all other eligible spends, (4) Complimentary golf rounds at premium Indian golf courses, (5) Travel insurance coverage up to ₹1.5 Crore, (6) 10,000 welcome bonus points, and (7) Concierge services. Annual fee is ₹9,999 with waiver on ₹10L annual spend.
Do YES Rewardz Points expire?
YES Rewardz Points do not expire as long as your YES Bank credit card account remains active and in good standing for premium cards (YES FIRST Exclusive, Preferred, Business). For entry-level cards like YES Premia and Prosperity, points have a validity of 2 years from the date of accrual. Always check your specific card's terms via the YES Mobile app under "Rewardz Balance".
What is the minimum income required for a YES Bank credit card?
Income requirements vary by card: YES Prosperity Plus & YES Ace — ₹20,000/month; YES Premia — ₹35,000/month; YES FIRST Preferred — ₹50,000/month; YES FIRST Exclusive — ₹1,00,000+/month; YES FIRST Business — ₹50,000/month or business turnover of ₹25L+ annually. Self-employed applicants should show ITR of ₹3L+ per annum for entry cards.
How do I check my YES Bank credit card outstanding balance?
Check your YES Bank credit card balance via: (1) YES Mobile app → Cards section, (2) YES Online net banking at yesbank.in, (3) Monthly e-statement automatically emailed, (4) SMS "BAL" to 9840909000 from your registered mobile, or (5) Call 1800-1200 for IVR balance enquiry. Statements can be downloaded as PDFs for up to 12 months.
Is it safe to apply for a YES Bank card through MyBankingTips?
Absolutely. MyBankingTips is a registered and authorized financial advisory platform. We redirect you only to official YES Bank pages or authorized partner portals for the actual credit card application. We never store your card details, banking credentials, or OTPs. Your data is processed under strict privacy standards and we are fully compliant with Indian data protection regulations.
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What Our Customers Say
★★★★★
"The YES FIRST Exclusive card through MyBankingTips is
outstanding. Unlimited lounge access for both me and my wife,
12X points on travel, and the golf benefit at my home course.
Easily the best card I've owned. Annual fee recovered in the
first quarter!"
A
Arun Krishnan
VP Operations, Hyderabad
★★★★½
"YES FIRST Preferred is the sweet spot — 8X reward points on all
spends and 6 lounge visits per quarter at ₹2,499/year.
MyBankingTips made the comparison crystal clear. My rewards are
accumulating fast and I haven't paid any interest yet!"
M
Meera Saxena
Marketing Manager, Pune
★★★★☆
"YES Ace is perfect for my daily commute — 5% cashback on every
fuel fill-up is genuinely useful. The ₹499 fee is waived easily
at ₹1L spend. Applied via MyBankingTips and was surprised by how
simple the application process was!"
R
Rajesh Kumar
Sales Executive, Chennai
Apply for Your YES Bank Credit Card Today
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⚠️ Disclaimer
MyBankingTips is a loan aggregator and is
authorized to provide services on behalf of its partners.
*Applicable for selected customers. YES Bank credit card features,
fees, interest rates, and reward programmes mentioned on this page
are indicative and subject to change at YES Bank's discretion. All
credit card applications and approvals are at the sole discretion of
YES Bank based on the applicant's creditworthiness. MyBankingTips
does not guarantee approval of any application. Please read the Most
Important Terms & Conditions (MITC) document carefully before
applying. This content is for educational and informational purposes
only and does not constitute financial advice.