YES Bank Card Bill Payment



It is very important to pay your credit card bill on time to avoid late fees and maintain a good credit score. Otherwise, you will accumulate more and more debt and end up in a debt cycle. Late payments and non-payment can also damage your credit score. There are various online and offline methods you can use to pay your credit card bills. They make credit card bill payments much more easy and convenient. You can use any of the available methods to pay from internet banking, mobile apps, or traditional methods like cash to cheque payments, according to your comfort level.

How to Pay Your YES Bank Credit Card Bill

Online Payment Methods

  • YES Bank Net Banking: Log in to your YES ONLINE account, go to the ‘Bill Payments’ section, select your credit card, and complete the payment instantly. This method is available 24/7 and you can finish your credit card payment in a quick and hassle-free way.
  • YES Mobile App: Download the YES Mobile app, log in with your credentials, and navigate to the credit card payment section. This method allows you to make payments conveniently from your smartphone while tracking transactions in real-time.
  • Beneficiary Branch Address: Payment Systems Group, State Bank GITC, CBD Belapur, Navi Mumbai
  • NEFT/IMPS/RTGS: If you don’t have a YES Bank account, you can pay via NEFT, IMPS, or RTGS by adding your credit card as a beneficiary. Simply enter your card number as the account number and use the IFSC code YESB0CMSNOC.
  • BillDesk: Visit the BillDesk payment page for YES Bank credit cards, enter your card details, and make payments using any bank account. This platform supports multiple banks, ensuring a seamless transaction experience.
  • YES PayNow: Log in to YES ONLINE and set up standing instructions under the ‘Pay Bills’ section. This automated payment option ensures your credit card bills are paid on time every month without requiring manual effort.
  • YES Robot: Use YES Bank’s AI-powered chatbot, YES Robot, on the official website to check and pay your credit card bills. This interactive tool provides step-by-step guidance for a smooth payment experience.
  • UPI (YES Pay App): Download the YES Pay app, register your mobile number, and set up your UPI ID. With this method, you can make fast and secure payments directly from your bank account.

Offline Payment Methods

  • Cheque/Draft: Write a cheque or demand draft payable to your 16-digit YES Bank credit card number and deposit it at a branch or drop box. Ensure you deposit it a few days before the due date to account for clearance time.
  • Cash Payment: Visit your nearest YES Bank branch and pay your credit card bill in cash. Keep in mind that a processing fee may apply for cash transactions, so check the applicable charges in advance.
  • ATM Funds Transfer: Use any YES Bank ATM to transfer funds from your savings or current account to your credit card. This service is available 24/7, providing an easy payment option at any time.
  • Standing Instructions: Submit a written request at a YES Bank branch to automatically debit your monthly outstanding balance from your savings or current account. This ensures timely payments without manual intervention.

Processing Times

  • Online payments: typically Net banking, mobile app, NEFT, IMPS, RTGS, and BillDesk have a processing time of 1-2 working days. So you should pay before two days To avoid late fees, make payments at least two days before the due date.
  • Offline payments (cheque/draft): take 3-5 working days to process, while cash payments are usually credited on the same day. For cheque payments, factor in postal and clearance delays.

How long does it take for payments to reflect in my credit card account?

  • Online Methods: Payments made via net banking, mobile app, NEFT, IMPS, RTGS, or BillDesk are typically processed within 1-2 working days.
  • Offline Methods: Cheque payments may take 3-5 working days to clear, while cash payments are usually credited on the same day.

Are there offline methods to pay my YES Bank credit card bill?

Yes, you can pay via:

  • Cheque/Draft: Write a cheque or draft payable to your 16-digit YES Bank credit card number and drop it at any YES Bank branch or designated drop box.
  • Cash Payment: Visit any YES Bank branch to pay your credit card bill in cash. Note that a processing fee may apply for cash payments.
  • ATM Funds Transfer: Transfer funds from your YES Bank savings or current account to your credit card account at any YES Bank ATM.

Frequently Asked Questions

Yes, you can use the NEFT/IMPS/RTGS facility from any other bank account. Add your YES Bank credit card as a beneficiary with the IFSC code YESB0CMSNOC and your 16-digit credit card number as the account number.

Yes, you can set up automatic payment instructions through YES PayNow. For that, you would need to submit written instructions at your nearest YES Bank branch to automatically debit a predetermined portion of your monthly outstanding balance from your savings or current account to your credit card account.

Yes in some cases the bank might charge a processing fee for cash payments made at YES Bank branches. You should carefully consider these charges before the bill payment and then make decisions.

If you experience any difficulties, contact YES Bank customer service or visit your nearest branch for assistance.

YES Bank charges a reward redemption fee of ₹99 per redemption request. This fee applies when you choose to redeem your accumulated reward points across various categories such as bookings, e-gift vouchers, or cash credit.

Yes, certain YES Bank credit cards offer foreign currency markup fees below the standard 3%. For instance, the YES Bank RESERV Credit Card has a preferential foreign currency markup fee of 1.75%, and the YES PRIVATE Credit Card offers an even lower rate of 0.50% on international transactions.

While a stable income is a common requirement for most credit cards, YES Bank does offer secured credit cards against fixed deposits. This means you can obtain a credit card by opening a fixed deposit with the bank, even if you don't have a regular income or ITR.