YES Bank Credit Card

The credit cards offered by YES Bank are as listed below:

YES Bank Credit Card Types & Features

FinBooster: YES BANK - BankBazaar Co-branded Credit Card

The YES BANK BankBazaar co-branded credit card is one of the best lifetime free credit cards in India. It is designed for those who want maximum value without paying any annual or joining fees. Cardholders enjoy accelerated reward points, a complimentary CreditStrong report and a real-time dashboard to monitor financial progress. With secure contactless payments, flexible repayment options and valuable benefits, it is a no annual fee credit card that delivers on both rewards and convenience. 

Key Highlights 

1. Lifetime free credit card with zero joining and renewal charges 

1. Complimentary CreditStrong report and accelerated reward points on popular categories 

Joining and Annual or Renewal Fees 

1. Joining Fee: Nil 

1. Annual or Renewal Fee: Nil (Lifetime Free) 

Features and Benefits 

1. Complimentary CreditStrong Report to track and improve your credit score 

1. Accelerated Reward Points: 5X on online dining, 3X on online grocery and apparel, 2X on other retail spends (except fuel) 

1. 1 percent Fuel Surcharge Waiver on transactions between Rs.400 and Rs.5,000 at fuel stations across India 

1. Insurance Coverage of Rs.2.5 lakhs credit shield on accidental death of the primary cardholder 

1. Enhanced security with Mastercard SecureCode for online payments and NFC-enabled contactless transactions for safe, quick shopping 

1. Convenient repayment and banking facilities such as Instant EMI, Quick Loan, YES PayNow and e-Mandate 

1. Real-time Dashboard to track spending, reward earnings and credit score progress in one place 

1. Card Control via mobile app to block or unblock, set limits and manage international or domestic usage instantly

YES Bank BYOC Credit Card

The BYOC Credit Card from YES BANK introduces a new way to personalise your financial experience. Built on the concept of “Build Your Own Card,” it lets you choose the look, perks and merchant offers that match your lifestyle. Whether you prefer cashback, reward points or lounge access, this card gives you the freedom to design benefits on your own terms. With strong security features and flexible repayment options, it is truly a card made for you, by you. 

Key Highlights 

1. Fully customisable credit card with options for design, perks and merchant offers 

1. Choice between cashback or reward points, along with lounge access and anniversary privileges 

Joining and Annual or Renewal Fees 

1. One-time fee based on material: Eco-friendly card Rs.249 + taxes, Metal card Rs.3,499 + taxes 

1. Monthly fee applies depending on selected perks and merchant subscription plan (Silver Rs.99, Gold Rs.149, Platinum Rs.249 + taxes) 

Features and Benefits 

1. Personalise your card by choosing material (plastic, eco-friendly or metal) and card design from the gallery 

1. Build your benefits with plans offering 10% cashback on selected merchants, with the flexibility to change plans monthly 

1. Pick your preferred perk: 1% cashback on all transactions or 8 YES Rewardz points for every Rs.200 spent 

1. Complimentary domestic airport lounge visit once per quarter for the primary cardholder 

1. Free ET Prime membership on the first anniversary of the card 

1. Reward Points redemption through the YES Rewardz catalogue for a wide range of products 

1. Insurance Coverage of Rs.2.5 lakhs as credit shield in case of accidental death of the primary cardholder 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 across fuel stations in India 

1. Enhanced safety with NFC-enabled contactless transactions and Mastercard SecureCode for online payments 

1. Convenient repayment facilities including Instant EMI, Post Purchase EMI, Quick Loan, YES PayNow and e-Mandate 

YES Bank MARQUÉE Credit Card

The YES BANK MARQUÉE Credit Card is designed for individuals who value luxury, convenience and protection. With exclusive lifestyle privileges, enhanced security for online shopping and a best-in-class foreign currency markup, this premium card brings unmatched comfort to your spending. From accelerated reward points and complimentary lounge access to golf privileges and purchase protection, it transforms every transaction into a rewarding experience. 

Key Highlights 

1. Premium credit card with online purchase protection and luxury lifestyle privileges 

1. Generous joining benefits including reward points, subscriptions and airport lounge access 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.9,999 + applicable taxes 

1. Renewal Fee: Rs.4,999 + applicable taxes (waived on spends of Rs.10,00,000 in a year) 

Features and Benefits 

1. Welcome benefit of 40,000 YES Rewardz Points and an ET Prime subscription worth Rs.3,199 

1. Accelerated YES Rewardz Points: 36 points on every Rs.200 for online shopping, 18 points on offline shopping and 10 points on select categories (with monthly capping) 

1. Buy 1 Get 1 offer on BookMyShow movie tickets 

1. Complimentary domestic lounge access: 6 visits per quarter for cardholders plus 2 guest visits per quarter 

1. Unlimited international airport lounge access for both primary and add-on cardmembers 

1. Golf privileges with 4 complimentary green fee waivers and 1 free golf lesson per month at select courses in India 

1. Insurance coverage including Rs.15 lakhs credit shield, Rs.15 lakhs lost card liability cover and Rs.50,000 purchase protection plan 

1. Preferential foreign currency markup of 1% on international transactions 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 at fuel stations across India 

1. Contactless transactions with NFC-enabled technology for safe, quick payments 

1. Easy repayment solutions such as Instant EMI, EMI on Call, Quick Loan, YES PayNow and e-Mandate

RESERV Credit Card

The RESERV Credit Card, earlier known as YES FIRST EXCLUSIVE, is a premium offering from YES BANK for individuals who value exclusive lifestyle privileges and international travel benefits. The card brings accelerated reward points, lounge access, golf perks and strong protection features, making it a well-rounded choice for high-spending customers. With low foreign exchange markup and secure contactless technology, it combines convenience with luxury. 

Key Highlights 

1. 24 YES Rewardz Points on every Rs.200 spent online (except select categories) 

1. Complimentary domestic and international airport lounge access 

1. 8,000 bonus Reward Points on renewal from the second year onwards 

Joining and Annual Fees 

1. Joining Fee: Rs.2,499 + taxes (waived on retail spends of Rs.40,000 within the first 30 days) 

1. Renewal Fee: Rs.2,499 + taxes (waived on annual retail spends of Rs.3 lakh) 

Features and Benefits 

1. 12 YES Rewardz Points on every Rs.200 spent offline and 6 YES Rewardz Points on select merchant categories. 

1. Airport lounge access both in India and abroad for a smoother travel experience. 

1. 4 complimentary green fee waivers and 1 coaching session per year at premium courses in India. 

1. Insurance cover of up to Rs.50,000 for mobile and electronic items purchased online. 

1. Credit shield cover worth Rs.15 lakh and lost card liability protection up to Rs.30 lakh. 

1. 1% waiver on transactions between Rs.400 and Rs.5,000 at all fuel stations. 

1. Preferential rate of 1.75% on international transactions. 

1. Facilities such as Instant EMI, Quick Loan, YES PayNow and e-Mandate for easy repayment. 

1. NFC-enabled transactions for secure and faster shopping. 

1. Manage limits, block/unblock and monitor usage instantly via mobile app.

ELITE+ Credit Card

The YES BANK ELITE+ Credit Card is crafted for individuals seeking lifestyle privileges, higher rewards and premium protection. Previously known as YES Premia, the card offers domestic and international lounge access, golf privileges, entertainment offers and strong insurance coverage. With accelerated reward points and flexible repayment solutions, it combines value, convenience and exclusivity. 

Key Highlights 

1. Premium lifestyle credit card with airport lounge and golf privileges 

1. Accelerated YES Rewardz Points on online, offline and select category spends 

1. Exclusive movie benefits with 25% discount on BookMyShow tickets 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.999 + applicable taxes (waived on spends of Rs.20,000 within 30 days of card setup) 

1. Renewal Fee: Rs.999 + applicable taxes (waived on annual spends of Rs.2,00,000) 

Features and Benefits 

1. Earn 12 YES Rewardz Points on every Rs.200 spent online, 6 points on offline purchases and 4 points on select categories (maximum of 12,000 points per statement cycle) 

1. Complimentary domestic lounge access: 2 visits per quarter for primary cardmembers 

1. International lounge access available on Visa and Mastercard variants 

1. Golf privileges with 4 complimentary green fee waivers and 1 free lesson per month at select courses in India 

1. 25% discount on movie tickets booked via BookMyShow 

1. Insurance coverage including Rs.3 lakhs credit shield, Rs.3 lakhs lost card liability cover and Rs.50,000 purchase protection on mobiles and electronics purchased online 

1. Preferential foreign currency markup of 2.75% on international transactions 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 at fuel stations across India 

1. Secure payments with Mastercard SecureCode and contactless NFC-enabled transactions 

1. Card control via mobile app to block/unblock, set limits and manage usage instantly

SELECT Credit Card

The YES BANK SELECT Credit Card is built for individuals who enjoy online shopping, lifestyle privileges and travel comfort. With a rewarding points programme, lounge access, and comprehensive purchase protection, it offers value across categories you use most. Designed to enhance everyday spending while ensuring convenience and security, this card helps you earn more on every transaction, both online and offline. 

Key Highlights 

1. Accelerated reward points on online shopping and essential spends 

1. Complimentary domestic airport lounge visits each quarter 

1. Competitive foreign currency markup of just 2.75% 

Joining and Annual or Renewal Fees 

1. First Year Fee: Rs.599 + applicable taxes (waived on retail spends of Rs.10,000 within 30 days of setup) 

1. Renewal Fee: Rs.599 + applicable taxes (waived on annual spends of Rs.1,00,000) 

Features and Benefits 

1. Earn 8 YES Rewardz Points per Rs.200 spent on online shopping, 4 points per Rs.200 on offline shopping, and 2 points on select categories (capped at 5,000 points per cycle) 

1. 1 complimentary domestic airport lounge visit every quarter for the primary cardmember 

1. 4 green fee waivers per year plus 1 complimentary golf lesson each month at select courses in India 

1. Exclusive dining, travel, wellness, and shopping deals across partner outlets 

1. Insurance cover of up to Rs.50,000 for accidental damage to mobiles and electronics bought online (valid for 6 months from purchase) 

1. Credit shield worth Rs.3 lakhs and lost card liability cover of Rs.3 lakhs 

1. 1% fuel surcharge waiver on purchases between Rs.400 and Rs.5,000 across fuel stations in India 

1. Convenient repayment options including Instant EMI, Post Purchase EMI, Quick Loan, YES PayNow, and e-Mandate 

1. NFC-enabled contactless transactions for faster and safer payments 

1. Enhanced online security with MasterCard® SecureCode 

ACE Credit Card

The YES BANK ACE Credit Card is designed for individuals who want rewarding spends at an affordable annual fee. With accelerated reward points on shopping, lifestyle benefits, and robust security features, this card makes every purchase more valuable. From fuel surcharge waivers and insurance protection to convenient repayment options, the ACE Credit Card gives you the perfect balance of savings and security. 

Key Highlights 

1. Affordable credit card with generous reward earning potential 

1. Additional 2X reward points and lifestyle privileges across shopping, travel and dining 

1. Complimentary purchase protection and fuel surcharge waiver 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.499 + applicable taxes (waived on spends of Rs.5,000 within 1 month of setup) 

1. Renewal Fee: Rs.499 + applicable taxes (waived on spends of Rs.50,000 in the previous 12 months) 

Features and Benefits 

1. Earn 8 YES Rewardz Points per Rs.200 spent on online shopping, 4 points per Rs.200 on offline shopping and 2 points per Rs.200 on select categories (maximum 5,000 points per statement cycle) 

1. Lifestyle offers across travel, dining, shopping, wellness and more in select cities 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 across all fuel stations in India 

1. Complimentary insurance cover of up to Rs.50,000 against accidental damage to mobiles and electronics purchased online (valid for 6 months from purchase) 

1. Insurance benefits including credit shield cover of Rs.1 lakh and lost card liability cover of Rs.1.3 lakhs 

1. Preferential foreign currency markup of 2.75% on international transactions 

1. Convenient repayment options including Instant EMI, Post Purchase EMI, Quick Loan, YES PayNow and e-Mandate 

1. NFC-enabled contactless payments for quick and secure transactions 

1. Card control via mobile app to block/unblock usage and manage domestic and international limits instantly 

Wellness Plus Credit Card

The YES BANK Wellness Plus Credit Card is crafted for individuals who place health, fitness and overall wellbeing at the centre of their lifestyle. With complimentary preventive health check-ups, fitness sessions and unlimited medical consultations, this card is more than just a payment tool – it is your partner in self-care. Combined with accelerated reward points on pharmaceutical spends, lounge access, insurance protection and everyday savings, the Wellness Plus Credit Card ensures that your health and financial wellness go hand in hand. 

Key Highlights 

1. Credit card designed to support health, wellness and preventive care 

1. Complimentary annual health check-ups, eye and dental care plus 24x7 doctor consultations 

1. Earn higher reward points on spends at chemists and pharmaceutical stores 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.1,499 + applicable taxes 

1. Renewal Fee: Rs.1,499 + applicable taxes 

Features and Benefits 

1. Annual preventive health check-up covering 31 parameters 

1. Complimentary annual eye and dental check-up 

1. Unlimited virtual consultations with general practitioners, specialists and nutritionists via mobile app 

1. 12 complimentary fitness sessions each month across gyms, yoga, Zumba and more 

1. 2 complimentary domestic airport lounge visits per quarter for primary cardmembers 

1. Earn 30 YES Rewardz Points for every Rs.200 spent on chemist and pharmaceutical transactions 

1. Earn 6 YES Rewardz Points for every Rs.200 spent on other eligible categories 

1. Dedicated redemption platform for flight, hotel, movie bookings and curated product catalogue 

1. Complimentary insurance benefits including credit shield cover on accidental death of primary cardholder 

1. 1% fuel surcharge waiver at all fuel stations in India on spends between Rs.400 and Rs.5,000 

1. Card management through mobile app with block/unblock controls and limit settings for domestic and international use 

Wellness Credit Card

The YES BANK Wellness Credit Card combines everyday convenience with essential healthcare benefits, making it ideal for those who want to prioritise both financial value and personal wellbeing. From routine health check-ups and unlimited medical consultations to accelerated rewards on pharmacy purchases, this card ensures your lifestyle is supported by meaningful privileges. With additional benefits such as lounge access, fuel surcharge waiver and flexible payment options, it seamlessly fits into both your health and financial goals. 

Key Highlights 

1. Health-focused credit card with wellness, consultation and lifestyle benefits 

1. Accelerated reward points on chemist and pharmaceutical spends 

1. Complimentary annual health check-up, dental and eye care 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.499 + applicable taxes (for cards onboarded on or after 28th August 2024) 

1. Renewal Fee: Rs.499 + applicable taxes 

1. For earlier onboarding, fees as per issuance date will apply 

Features and Benefits 

1. Annual preventive health check-up covering 25 parameters 

1. Complimentary eye and dental check-up each year 

1. Unlimited consultation with general practitioners, nutritionists and specialists through app access 

1. Accelerated reward programme with 20 YES Rewardz Points on every Rs.200 spent on chemist and pharmaceutical spends 

1. Earn 4 YES Rewardz Points on every Rs.200 spent on other eligible transactions 

1. Dedicated YES Rewardz platform for redemption across flights, hotels, movies and merchandise 

1. Complimentary domestic lounge access with 2 visits per quarter for the primary cardmember 

1. Complimentary insurance cover including credit shield on accidental death of the primary cardholder 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 at fuel stations across India 

1. Contactless payment option with NFC technology for faster and safer transactions 

1. Card control via mobile app with options to block, unblock or set credit limits for domestic and international use 

1. Card protection plan against loss, theft, fraud and emergencies 

1. Flexible repayment solutions including Instant EMI, EMI on Call, Quick Loan, YES PayNow and e-Mandate

EMI Card

The YES BANK EMI Credit Card is designed for smart shoppers who prefer flexibility and control in managing expenses. With automatic EMI conversions, cashback on regular spends, and fuel surcharge waivers, it ensures your purchases are convenient and rewarding. Offering affordable repayment plans and essential protections, this card is the perfect partner for hassle-free shopping and financial comfort. 

Key Highlights 

1. Automatic EMI conversion on eligible transactions for easy repayments 

1. 1% cashback on transactions not converted into EMIs (up to Rs.500 per month) 

1. Fuel surcharge waiver at fuel stations across India 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.499 + applicable taxes (for new cards onboarded on or after 28th Aug 2024) 

1. Renewal Fee: Rs.499 + applicable taxes (waived on spends of Rs.1,20,000 in a year) 

1. For cards onboarded between 1st July 2022 and 28th Aug 2024: Fee Rs.749 + applicable taxes 

1. For cards onboarded prior to 1st July 2022: Fees applicable at the time of issuance continue 

Features and Benefits 

1. Automatic EMI conversion for transactions above pre-set values with attractive interest rate of 16% (revised to 18% w.e.f. 1st April 2025) 

1. 1% cashback on transactions not converted into EMIs, capped at Rs.500 per month 

1. 1% processing fee on transactions converted into EMI 

1. Credit shield cover on accidental death of the primary cardholder 

1. 1% fuel surcharge waiver on spends between Rs.400 and Rs.5,000 at fuel stations across India 

1. Preferential foreign currency markup of 3.5% for international transactions 

1. Flexible repayment options with Instant EMI, EMI on Call, Quick Loan, YES PayNow and e-Mandate 

1. Enhanced security with NFC-enabled contactless payments, Mastercard SecureCode, and Verified by VISA 

1. Mobile app card control to manage block/unblock, set limits, and monitor usage instantly

YES First Business

The YES FIRST Business Credit Card is designed to empower business owners with premium privileges and financial flexibility. Combining exclusive lifestyle rewards with essential business solutions, this card offers a perfect balance of convenience, luxury, and control. From airport lounge access and golf privileges to fuel surcharge waivers and purchase protection, it is thoughtfully crafted to support your business journey while enhancing your personal experiences. 

Key Highlights 

1. Reward points on every business and personal spend 

1. Complimentary access to domestic and international airport lounges 

1. Golf privileges including green fee waivers and complimentary lessons 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.999 + applicable taxes 

1. Renewal Membership Fee: Rs.999 + applicable taxes (waived on achieving milestone spends as per bank policy) 

Features and Benefits 

1. Reward points on every transaction to maximise value on business spends 

1. Preferential foreign currency markup for cost-effective international transactions 

1. Complimentary access to domestic and international airport lounges for enhanced travel comfort 

1. Golf privileges with complimentary green fee waivers and golf lessons at select courses 

1. Fuel surcharge waiver at fuel stations across India 

1. Purchase protection plan ensuring safety of high-value purchases 

1. Extended benefits for family members through YES FIRST Business Programme 

1. Access to dedicated relationship managers via YES FIRST Direct for banking support anytime

YES Prosperity Business

The YES Prosperity Business Credit Card is built to support entrepreneurs and business owners with a range of lifestyle and financial benefits. Whether it’s rewarding spends, exclusive travel privileges, or fuel savings, this card ensures your business and personal needs are always covered. With additional perks like insurance cover and easy EMI options, it goes beyond being a payment solution to become a partner in your growth journey. 

Key Highlights 

1. 8 reward points on Rs.200 spent across select categories 

1. Complimentary domestic lounge access once every quarter 

1. Complimentary golf lessons and green fee waivers at select courses 

Joining and Annual or Renewal Fees 

1. First Year Membership Fee: Rs.499 + applicable taxes (waived on spends of Rs.10,000 within the first 30 days) 

1. Renewal Membership Fee: Rs.499 + applicable taxes (waived on annual retail spends of Rs.1,00,000) 

Features and Benefits 

1. Earn 8 YES Rewardz Points per Rs.200 spent on categories like air travel, hotels, dining, and rented vehicles (capped monthly) 

1. Earn 4 YES Rewardz Points per Rs.200 on other spends and 2 YES Rewardz Points on select categories 

1. 10,000 bonus reward points on annual spends of Rs.6 Lakhs or more 

1. 1 complimentary domestic lounge access per quarter across 30+ lounges in India 

1. Complimentary golf privileges with one lesson every month and additional sessions with green fee waivers 

1. 1% fuel surcharge waiver at fuel stations across India on transactions between Rs.400 and Rs.5,000 

1. Insurance coverage including Rs.3 Lakhs credit shield on accidental death and lost card liability protection 

1. Flexible payment options with instant EMI, post-purchase EMI, and quick loan facilities 

1. Enhanced safety with contactless transactions, online security protocols, and card control features via mobile 

1. Interest rate of 3.99% per month (47.88% annually) on revolving credit, cash advances, and overdue amounts 

RuPay Credit Card

The YES BANK RuPay Credit Card is crafted for customers who value convenience, rewards, and digital-first payments. With seamless UPI integration, it allows you to link your credit card to UPI apps and pay securely while earning accelerated rewards. The card is completely lifetime-free with no joining or renewal fees, making it a cost-effective choice. Along with attractive reward structures, preferential foreign currency markup, and comprehensive security features, it offers a powerful combination of flexibility and control for both online and offline spends. 

Key Highlights 

1. Zero joining and annual renewal fees 

1. UPI-linked payments directly through the credit card 

1. Accelerated reward points on UPI and online spends 

Joining and Annual or Renewal Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Nil 

Features and Benefits 

1. Lifetime-free card offering unmatched savings 

1. UPI integration for quick and secure digital payments 

1. 4 reward points per Rs.200 spent on UPI transactions above Rs.2,000 

1. 2 reward points per Rs.200 spent on all online spends 

1. Preferential foreign currency markup of 2.75% for international transactions 

1. Interest rate of 3.99% per month (47.88% annually) effective from 2 Dec 2024 

1. Rental transactions capped at 3 per 30 days with a nominal 1% fee 

1. Utility spends above Rs.15,000 in a month attract 1% fee plus GST capped at Rs.3,000 

1. Education fee payments through third-party apps charged 1% plus GST capped at Rs.5,000 per month 

1. Fuel transactions above Rs.10,000 attract 1% fee plus GST capped at Rs.5,000 per month 

1. Contactless payment capability for faster and safer checkout 

1. Option to convert purchases into instant EMIs or access quick loans 

1. Card control via mobile to set limits or block/unblock transactions 

1. Advanced fraud protection and secure verification for online spends 

1. Card Protection Plan covering theft, loss, and related fraud risks 

ANQ Phi Credit Card

The YES BANK Anq Phi Credit Card, launched in collaboration with Anq, is designed to deliver exceptional value through rewards, lifestyle benefits, and enhanced convenience. From accelerated reward points across everyday categories to complimentary international lounge access, this card provides unmatched privileges. Added advantages such as fuel surcharge waiver, flexible repayment options, and robust digital security ensure that every transaction is rewarding and safe. 

Key Highlights 

1. No joining fee and waiver option on renewal fee 

1. Earn 24 reward points on every Rs.200 spent across key categories 

1. Complimentary international lounge access up to 3 times per year 

Joining and Annual or Renewal Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Rs.499 + applicable taxes (waived on annual spends of Rs.1,20,000) 

Features and Benefits 

1. Earn 24 reward points on every Rs.200 spent on travel, dining, hotels, fast food, groceries, apparel and entertainment 

1. Earn 4 reward points on every Rs.200 spent on other select categories 

1. Unlimited rewards with no capping 

1. 1 percent fuel surcharge waiver on spends between Rs.400 and Rs.5,000 

1. Complimentary international airport lounge access 3 times per year 

1. Flexible payment solutions including instant EMI, EMI on call and quick loans 

1. Link your card for recurring digital payments with ease 

1. Interest rate of 3.99 percent per month on revolving credit, cash advances and overdue balances 

1. Rental transactions capped at 3 per 30 days with nominal fee 

1. Utility spends above Rs.15,000 per month attract 1 percent fee plus GST, capped at Rs.3,000 

1. Education spends via third-party apps attract 1 percent fee plus GST, capped at Rs.5,000 per month 

1. Fuel spends above Rs.10,000 per month attract 1 percent fee plus GST, capped at Rs.5,000 per month 

1. Contactless payments using NFC technology for secure checkout 

1. Manage your card digitally with block or unblock options and spending limits 

1. Extra security for online transactions with Mastercard SecureCode or Verified by VISA 

1. Card Protection Plan to safeguard against loss, theft, fraud and emergencies

YES Bank POP CLUB Credit Card

The YES BANK POP-CLUB Credit Card, launched in collaboration with Pop Club, is a rewarding RuPay credit card that seamlessly integrates lifestyle benefits with everyday convenience. With zero joining fee, attractive joining rewards worth Rs.5,000, and the ability to earn POPcoins on every spend, this card is built to maximise value. It also enables UPI transactions via RuPay, making it versatile for both online and offline use. Designed for those who want everyday purchases to be more rewarding, the POP-CLUB Credit Card brings together unmatched savings, entertainment perks and enhanced digital flexibility. 

Key Highlights 

1. Zero joining fee and annual fee waiver on spends of Rs.1,50,000 

1. Rs.5,000 worth of joining benefits across popular brands 

1. Earn POPcoins on every transaction with no capping 

Joining and Annual or Renewal Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Rs.399 + applicable taxes (waived on spends of Rs.1,50,000 in a card anniversary year) 

Features and Benefits 

1. Avail UPI payments through RuPay for seamless everyday use 

1. Rs.5,000 worth of joining benefits including Blinkit free deliveries, Cleartrip voucher, Zomato Gold Mini, PharmEasy Plus, Rapido rides and Cult Sport voucher 

1. Earn 10 POPcoins on every Rs.100 spent online 

1. Earn 2 POPcoins on every Rs.100 spent offline 

1. Get 1 percent fuel surcharge waiver across fuel stations in India 

1. Earn 1,500 bonus POPcoins on annual spends above Rs.1,50,000 

1. Redeem POPcoins across a wide range of categories, 1 POPcoin worth up to Rs.1 

1. Flexible repayment solutions including instant EMI and quick loans 

1. Rental transactions capped at 3 per 30 days with nominal fee 

1. Utility spends above Rs.15,000 per month attract 1 percent fee plus GST, capped at Rs.3,000 

1. Education transactions through select third-party apps attract 1 percent fee plus GST, capped at Rs.5,000 per month 

1. Fuel transactions above Rs.10,000 per month attract 1 percent fee plus GST, capped at Rs.5,000 

YES Bank RIO Credit Card

The YES BANK Rio Credit Card, launched in partnership with Rio, is a lifetime free RuPay card designed to give you the freedom to spend smarter and safer. With seamless UPI integration, it works everywhere — from online shopping to in-store purchases and QR-based payments. The card enhances your lifestyle with fuel surcharge waivers, complimentary airport lounge access, and easy one-click management through the Rio App. Built for the modern spender, the Rio Credit Card combines convenience, control and rewarding features without the burden of annual fees. 

Key Highlights 

1. Lifetime free RuPay credit card with zero joining and renewal fee 

1. Seamless UPI, online and in-store acceptance for everyday convenience 

1. Complimentary airport lounge access and fuel surcharge waiver 

Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Nil 

Features and Benefits 

1. Pay via UPI by scanning any QR code using your Rio Credit Card 

1. 2 complimentary domestic airport lounge visits per quarter in India 

1. 1 percent fuel surcharge waiver across fuel stations in India 

1. One-click card controls via the Rio App to set and manage spending limits 

1. Enhanced convenience with worldwide acceptance — online and offline 

1. Flexible repayment options including EMI on spends and cash advances 

1. Rental transactions capped at 3 per 30 days with nominal fees 

1. Wallet transactions above Rs.1 attract a minimum 1 percent charge 

1. Utility spends above Rs.15,000 in a month attract 1 percent fee plus GST, capped at Rs.3,000 

1. Education transactions via select apps attract 1 percent fee plus GST, capped at Rs.5,000 per month 

1. Fuel transactions above Rs.10,000 per month attract 1 percent fee plus GST, capped at Rs.5,000 

1. Contactless transactions with built-in multi-factor authentication 

1. Protection against unauthorised usage, loss and theft 

1. Manage card limits instantly through Rio App or IRIS app 

1. Secure RuPay PaySecure for all online transactions 

YES Bank UNI Credit Card

The YES BANK Uni Credit Card, co-branded with Uni, is designed for everyday value and global convenience. It rewards you on all your spends with Uni Coins, offers zero forex markup for international use, and includes essential lifestyle perks like a fuel surcharge waiver. Built with contactless technology and secure digital features, the card ensures seamless usage across online and in-store transactions while keeping your payments safe. With flexible fee waivers on spending milestones, the Uni Credit Card helps you maximise savings without compromise. 

Key Highlights 

1. Earn unlimited 1% rewards on all spends, issued as Uni Coins 

1. Zero forex markup on international transactions 

1. Fuel surcharge waiver up to Rs.500 per month 

Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Rs.499 + taxes, waived off on annual spends of Rs.50,000 

Features and Benefits 

1. Earn 1% rewards as Uni Coins on all transactions 

1. Zero joining fee and spend-based waiver on renewal fee 

1. 1% fuel surcharge waiver up to Rs.500 every month 

1. Contactless transactions with NFC-enabled technology for faster payments 

1. Seamless acceptance for online, offline and international usage 

1. Rental transactions capped at 3 per month with nominal processing fee 

1. Wallet transactions above Rs.1 attract a minimum 1% charge 

1. Utility spends above Rs.25,000 in a month attract 1% fee plus GST, capped at Rs.3,000 

1. Education transactions via select apps attract 1% fee plus GST, capped at Rs.5,000 per month 

1. Fuel transactions above Rs.10,000 in a month attract 1%fee plus GST, capped at Rs.5,000 

1. Flexible repayment options including EMIs and revolving credit 

YES Bank KLICK Credit Card

The YES BANK Klick RuPay Credit Card is a 100% virtual credit card crafted for the modern digital consumer. It offers rewarding experiences on both UPI and non-UPI spends, giving you cashback and reward points on everyday transactions. With no joining or annual fees, the Klick card is simple, secure, and perfect for seamless online and QR-based payments. 

Key Highlights 

1. Zero joining fee and zero annual fee 

1. Earn 2 reward points on every Rs.200 non-UPI spends 

1. 1% fuel surcharge waiver on fuel transactions 

Fees 

1. Joining Fee: Nil 

1. Renewal Fee: Nil 

Features and Benefits 

1. Earn 2 reward points on every Rs.200 spent on non-UPI transactions 

1. Get cashback and rewards on UPI spends for daily transactions 

1. 1% fuel surcharge waiver on eligible transactions at petrol pumps 

1. 100% virtual credit card for safe, secure, and hassle-free payments 

1. Manage daily expenses with instant EMI conversion options 

1. EMI on Call facility for easy repayment flexibility 

1. Quick Loan option for urgent cash needs 

1. YES PayNow for automated bill payments 

1. E-mandate facility for recurring payments like subscriptions and utility bills 

1. 100% virtual card ensures safe usage with no physical card to carry 

1. Secure UPI payments via RuPay with multi-factor authentication 

1. Protection against misuse with real-time alerts and transaction monitoring 

1. Manage card usage, limits, and controls directly from your mobile banking app 

YES Private Prime Credit Card

The YES Private Credit Card is an invitation-only offering designed exclusively for a select few. Tailored for global citizens, it combines luxurious privileges, international concierge assistance, curated lifestyle benefits, and unmatched financial rewards. Whether you are travelling the world, dining at premium restaurants, or ensuring financial security for your family, this card ensures every experience is first-class. 

Key Highlights 

1. Invitation-only credit card reserved for select customers 

1. International concierge services and global assistance 

1. Premium lifestyle, travel, wellness and insurance benefits 

1. Rewards on both domestic and international spends 

Fees 

1. Joining Fee Rs.20,000 + applicable taxes 

1. Renewal Fee Rs.10,000 + applicable taxes (waived on spends of Rs.20,00,000 in the previous year) 

Features and Benefits 

1. Earn 20 Reward Points on domestic and 40 Reward Points on international spends for every Rs.200 

1. Enjoy annual cardholder benefits worth Rs.3 lakh or more 

1. 0.50% foreign currency markup on all international transactions 

1. Attractive interest rate of 2.99% per month on revolving credit, cash advances, and overdue amounts 

1. Oberoi E-Gift Vouchers worth Rs.9,000 as a welcome benefit 

1. 1% fuel surcharge waiver on eligible fuel spends (up to defined caps) 

1. Rental and wallet transactions above Rs.1 attract 1% or Rs.1 (whichever is higher); capped at 3 rental transactions per 30 days (rental spends not eligible for rewards) 

1. Education fee payment charges of 1% plus GST on spends through partner platforms (capped at Rs.5,000 per month) 

1. Fuel transaction charges of 1% plus GST on spends above Rs.10,000 (capped at Rs.5,000 per month) 

1. Utility spends above Rs.50,000 per month attract 1% plus GST (capped at Rs.3,000) 

1. Access to premium travel experiences, wellness services, and bespoke lifestyle privileges curated exclusively for YES Private customers 

1. Comprehensive insurance and emergency services for global peace of mind 

1. Multi-layer security for domestic and international transactions 

1. Real-time transaction alerts and advanced fraud monitoring 

1. Round-the-clock concierge assistance for medical, travel, and lifestyle emergencies 

Eligibility criteria to apply for a YES bank credit card

The eligibility criteria to apply for a YES bank credit card is as follows:

Note: Eligibility criteria may differ based on the credit card

Documents required to apply for a YES bank credit card

The below listed documents are required to apply for a YES bank credit card:

Note: The bank may request additional documents on a case-by-case basis

How to Apply for a YES Bank Credit Card Online

Step 1: Visit the Yes Bank official website

Step 2: Click on 'credit cards'

Step 3: Choose a card

Step 4: Click on 'Apply Now'

How to Track Your YES Bank Card Application Status Online

You can also check your card application status on the official YES Bank website. Follow below steps

Step 1: Visit the website

Step 2: Select the 'Credit Card Application Status'

Step 3: Enter your mobile number and application form number

Step 4: Click on Submit

Loans on YES Bank Credit Cards

If you need money right away, you can use your YES Bank card to get a Quick Loan. This loan can be used for medical emergencies, education, travel, and other purposes. The loan amount disbursed is within your credit card's credit limit. This service, however, is only offered to a small group of cardholders.

Cheap loan rates, low processing costs, and terms up to 24 months are all available. There is no need for a guarantor or a postdate check for this loan.

YES Bank Credit Card Bill Payments

There are several ways you can pay your YES Bank card bill every month. Listed below are some options you can consider:

1. Net banking
2. ATM funds transfer
3. Standing instruction
4. Cheque payment
5. NEFT/IMPS/RTGS
6. Cash payment
7. YES Pay App
8. YES Mobile App
9. YES ROBOT

How to Contact YES Bank Credit Card Customer Care

You can get in touch with the YES Bank credit card customer care for all your queries. Below are some channels you can choose from:

1. Phone banking
2. Email
3. Branches
4. Registered offices

How to Earn and Redeem YES Bank Credit Card Reward Points

Yes Bank Customer Care/ Complaints

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>