YES Bank offers a wide range of credit cards designed to meet the needs of various customers, from premium lifestyle and travel benefits to cashback and rewards on everyday spends. With attractive rewards, exclusive privileges, and affordable fees, YES Bank credit cards provide excellent value to its cardholders.

This guide will help you understand the features, rewards, fees, and benefits of YES Bank Credit Cards, enabling you to make an informed decision.


Yes Bank RuPay Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


YES Bank BYOC Credit Card

Joining Fee

Rs. 49 + GST (Monthly)

Renewal Fee

Rs. 49 + GST (Monthly)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


Yes Bank Marquee Credit Card

Joining Fee

Rs. 9,999 + GST

Renewal Fee

Rs. 9,999 + GST

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

40,000 Reward Points


YES Prosperity Rewards Plus/ACE Credit Card

Joining Fee

Rs. 399 + GST

Renewal Fee

Rs. 399 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Rs. 500 Amazon Voucher on a Spend of Rs. 1000 Within 30 Days of Card Issuance


Yes Bank Wellness Credit Card

Joining Fee

Rs. 749 + GST

Renewal Fee

Rs. 749 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


YES Bank Wellness Plus Credit Card

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

N/A


YES First Preferred Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


YES Prosperity Rewards Credit Card

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


 

Why Choose YES Bank Credit Cards?

  • Wide Range of Options: YES Bank offers cards for shopping, travel, dining, and everyday expenses.
  • Exclusive Rewards: Earn attractive rewards on your purchases and redeem them flexibly.
  • Premium Benefits: Enjoy privileges like airport lounge access, dining offers, and more.
  • Competitive Fees: Affordable annual fees and great perks for every card type.

 

YES Bank Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
YES Bank Preferred Credit CardPremium LifestyleAirport lounge access, milestone rewards, concierge services12 Reward Points per INR 100 spentINR 5,000
YES Bank Signature Credit CardTravel & ShoppingTravel benefits, dining discounts, cashback offers8 Reward Points per INR 100 spentINR 2,500
YES Bank Cashback Credit CardEveryday SpendingInstant cashback on all spends, fuel surcharge waiver5 Reward Points per INR 100 spentINR 1,000
YES Bank Smart Credit CardOnline ShoppingDiscounts on online shopping, cashback on partner websites2 Reward Points per INR 100 spentINR 499
YES Bank Classic Credit CardAll-Purpose SpendingCashback, discounts on shopping, and partner offers3 Reward Points per INR 100 spentINR 300

 

Rewards Comparison Chart

Card NameReward RateHow to Redeem
YES Bank Preferred Credit Card12 Reward Points per INR 100 spentRedeem for luxury services, travel, or vouchers
YES Bank Signature Credit Card8 Reward Points per INR 100 spentRedeem for shopping, cashback, or travel rewards
YES Bank Cashback Credit Card5 Reward Points per INR 100 spentInstant cashback or partner discounts
YES Bank Smart Credit Card2 Reward Points per INR 100 spentUse for online shopping or partner discounts
YES Bank Classic Credit Card3 Reward Points per INR 100 spentRedeem for cashback or lifestyle offers

 

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 300 to INR 5,000 depending on the card type
Late Payment FeeINR 300 to INR 1,000 based on the outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee2.5% of the withdrawn amount (min INR 500)
Interest RateUp to 3.5% per month (42% per annum)

 

How to Apply for a YES Bank Credit Card?

  1. Visit the official YES Bank website.
  2. Browse through the available range of credit cards.
  3. Fill out the online application form with your personal and financial details.
  4. Upload necessary documents such as ID proof, address proof, and income proof.
  5. Submit your application and track its status online.

 

Final Thoughts

YES Bank Credit Cards provide excellent options for all types of spenders, from premium lifestyle benefits to cashback and discounts on daily purchases. With a competitive fee structure, generous rewards, and a variety of perks such as airport lounge access and exclusive offers, YES Bank ensures there's a card for every need. Compare the options available and choose the credit card that best suits your spending habits and financial goals!

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