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.
Yes, you can pay via:
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.