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YES Bank

YES Bank
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The YES Bank launched its credit cards to the public beginning from August 2016. Since then it has gained good traction mainly due to the rewards and features which stands in line with the industry’s demand. The bank’s credit card portfolio provides competitive offers and rewards and this shows that they have a clear knowledge of the industry, despite being a new entrant they are fulfilling the needs of the customers in a better way.

List of YES Bank Credit Cards

YES Bank

YES Bank is the fourth largest private sector bank in India, headquartered in Mumbai.

Initially started during 2001, the bank provides a complete range of products, services and technology driving digital offerings, cater to the retail, corporate, MSME sectors. Apart from this, it also provides merchant banking, investment banking, brokerage business via its YES Securities and its Mutual Fund business through YES Asset Management (India) Limited, which are wholly owned subsidiaries of the YES Bank. Over the last few years, it has grown its capacity and currently, it has its presence in 28 states and all the Union Territories in the country including an IBU at GIFT City apart from a representative office in Abu Dhabi.

The bank was started by Rana Kapoor and Ashok Kapur.

As of June 30, 2019, the bank has branches at 1,222 centres and 1,220 ATMs across the length and breadth of India.

The revenue of YES Bank stood at Rs 25,491 crore during fiscal 2018. With an employee base of 18,238, the bank is striving hard to provide high quality, customer-centric services to its customers.

Features of YES Bank’s Credit Card

Lifestyle Benefits and Privileges

The YES Bank’s Credit Card provides benefits including access to the golf course, access to the airport lounge, fuel surcharge waiver offers, insurance cover and so on.

The card also provides the users with shopping, dining, travel offers and so on.

Rewards Programme

Based on the card, the users can enjoy the benefits of rewards programmes and enjoy great rewards on a range of expenses, be in with movie tickets, dining, grocery purchase, or so on. The users can earn reward points or will get cashback on these transactions.

Fee & Charges

The YES Bank offers credit cards at a nominal fee and it usually differs from one card to another. The Charges in case of late payment fee varies based on the outstanding balance amount.

Loan Facility

YES Bank offers loan facility to its credit card customers. The users can get a quick and easy loan against the credit card. One can use the loan for the emergency purpose be it for medical requirements, education, travel or some other needs. The disbursal of the loan amount is based on the credit limit of the card and this facility is available only for selected credit cards.

The best advantage here is the loan does not require a guarantor or a post-dated cheque. The cardholder will be entitled to get the loan at lower interest rates, meagre processing fees with a tenure of up to 24 months.

Eligibility Criteria

The YES Bank Credit Card Applicant should fulfil the below-mentioned eligibility criteria

  • The minimum age of the applicant should be 18 years
  • Maximum age of the applicant should be 60 years
  • The applicant can either be salaried or self – employed.
  • Applicant should be in the current organization for at least one year.
  • Applicant should have a stable income

Documents Required for YES Bank’s Credit Card

The following mentioned documents are required

  • PAN Card Photocopy
  • Form 60
  • Recent colour photograph

Proof of Income

  • Form 16
  • Income Tax Return copy
  • Bank Statement for the last 3 months
  • Salary Slips for the last 3 months
  • Audited financials for last two years (In the case of self-employed)

Residential Address Proof

  • Passport
  • Ration Card
  • Electricity Bill (not older than 3 months)
  • Landline telephone bill (not older than 3 months)
  • Aadhaar Card

Identity Proof (Any one of the following)

  • Passport
  • Election Voters ID Card
  • Driving License
  • PAN Card
  • Aadhaar Card
  • Any other government-approved photo ID

YES Bank Credit Card Apply

An individual can apply for YES Bank Credit card either through online or by visiting the nearby bank branch.

Online YES Bank Credit Card Apply

  • Visit the site https://apply.yesbank.in/
  • Select the credit card as per your requirement and click on Apply Now
  • If you are an existing YES Bank customer enter your Customer Id and registered mobile number
  • In case if you are not an existing YES Bank customer enter your mobile number to generate OTP
  • Enter your income details to check your eligibility
  • Once the process is over you will be redirected to fill the application process
  • Enter all the mandated details and click on Submit

YES Bank Credit Card Apply Offline

  • Go to your nearest YES Bank branch and meet the credit representative to express your desire for YES Bank Credit Card
  • The bank executive will explain to you about the features of all the credit cards after understanding your annual income, needs, and requirements
  • Once you choose the credit card as per your need, you will be asked to fill in the YES Bank Credit Card Application Form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.
  • The bank representative will thoroughly go through the application form along with the other submitted documents provided
  • After that the bank representative takes a final call whether you meet the eligibility criteria for the credit card or not. Once the check is done you will be provided with the desired credit card.

For more information call to Yes Bank tollfree number 1800 1200 or write to yestouch@yesbank.in

YES Bank Credit Card Login

After successfully log in with YES Bank Net Banking Id and Password you can use unique benefits like enhanced security for safe online banking, manage your all YES Bank accounts, generate password and pin & unlock user id instantly. Get all updates and offers on your credit card in one place. Access all the benefits of YES Bank net banking services and get minimum interest rates on your credit card with flexible repayment option. With YES Bank NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere, no matter where you are. Scroll down and get to know the features and Login process of YES Bank

Features

  • Get instant EMI facility for your credit card dues
  • With Balance Transfer on EMI feature, you can transfer the outstanding balance from other bank credit cards to your YES Bank Credit Card
  • Get Loan on Mobile Banking facility to easily with attractive interest rates. 
  • Get enhance security on your online payments and keep your credit card safe from any fraudulent activity. 
  • Manage your credit card and all transactions with YES Bank Online banking services.
  • With Cash on EMI feature on your credit card, you can borrow cash and repay in easy instalments.

Benefits

  • Check your account details and credit card score. 
  • Get access to use Internet Banking Facility
  • Check the status of your newly applied credit card
  • Get access to track your lost or stolen credit card and block instantly. 
  • Recharge your mobile, DTH and utility bills. 
  • Get access to credit card visa transfer feature
  • You can view/download your credit card statement and bill payment history. 
  • Manage your transaction limits and charges
  • Get notification about your next credit card payment date and never miss any due date
  • Manage your reward points balance
  • Now just tap on an eligible transaction on your statement for the option to use your Membership Rewards points to pay
  • Get to know about your nearest Airport Lounge instantly
  • Get notified for purchases, weekly balance, credit limit and more
  • Go paperless and download the PDF statements of all your transactions
  • Easily change your ATM PIN in case of credit card lost or any fraudulent activity
  • Get access to special services like Cash on call, Dial on EMI
  • Get access to credit card hotlisting
  • Add or manage beneficiary as per you want.
  • Convert your credit card dues into easy EMIs
  • Apply for a loan instantly and with minimum interest rates as provided by the bank. 
  • Increase your credit limit and also upgrade your credit card 
  • Get 24x7 customer service

How to Register

  • Visit the site https://www.yesbank.in/
  • Click on Login and then click on Get Started
  • Read all the important notes and click on Continue to Net Banking
  • Now click on Register using Credit Card
  • Create your new Login Id
  • Enter all your credit card details
  • Create a new password and accept the Terms and Conditions
  • Review all the entered details and click on Register Online
  • Now you will receive an OTP on your registered mobile number
  • On the next page, you can see the successful message on the screen

How to Login

  • Visit the site https://www.yesbank.in/
  • Click on Login and then click on Get Started
  • Read all the important notes and click on Continue to Net Banking
  • Enter your Login Id and Password
  • Enter the Captcha Code and click on Login
  • Explore the online benefits offered by Yes Bank

YES Bank Credit Card Payment

YES Bank Credit Cardholders can make payment through both online and offline methods. As the bank provides a wide range of ways to make the payment complete more securely. Scroll down and get through all the methods to pay your credit card dues.

Yes Bank Credit Card Payment Online

  • YES Mobile App 
  • YES ROBOT 
  • YES Pay App 
  • Net banking 
  • NEFT/IMPS/RTGS 
  • Standing instructions 

Yes Bank Credit Card Payment Offline

  • Cheque payment 
  • Cash payment 
  • ATM funds transfer 

YES Bank Credit Card Payment through YES Mobile App

  • Download the app through playstore or app store.
  • Open the app and Login with your Id and Password
  • Now go to the credit card tab for further process
  • On the next page select Yes Bank from the list
  • On the next page enter your credit card number and name as on the card
  • Enter the next bill date which is optional and click on Submit
  • Now you will see your credit card information on the screen, read all the information and tap on Confirm
  • Now select the bank account from which you want to pay and click on PAY CREDIT CARD BILL
  • Enter your 6-digit UPI PIN and the money will be debited from your account
  • On the next page, the transaction details and also you will get the same on your registered mobile number.

YES Bank Credit Card Payment through YES Robot

It is a 24x7 Personal Banking Assistance that assists you with all your credit card transaction. You can use it anywhere you want, just open your Facebook Messenger and start chatting. No, any further app is required to do the same. Scroll down for below-given process and know how to make the use of YES Robot.

  • Login with your Facebook Messenger account
  • Type YES ROBOT in the search bar and wait for the result
  • Click on YES ROBOT icon and type Hi to start chatting
  • Enter your YES Bank customer id and registered mobile number for registration
  • Now you will get an OTP on your registered mobile number
  • Complete the authentication process to access for non-financial transaction
  • Use your MPIN for second-factor authentication and make a financial transaction with YES ROBOT
  • Once you successfully authenticated with your account you can use YES ROBOT to pay your pending credit card dues.

Yes Bank Credit Card Payment through Yes Pay App

You can also pay your credit card bills via Yes Pay App, which is an IOS and Android-based mobile application which helps you to access UPI based service. You just have to link your mobile number and bank account with the app and you can take the benefit of Yes Pay App. For credit card payments you just have to mention your credit card details and date of birth.

Yes Bank Credit Card Payment through Net Banking

Sign up with Yes Bank Net Banking facility and make your credit card payments more conveniently. After the successful registration process, you can use Net Banking service with Id and Password. Below mentioned is the process to make payments via Net Banking

  • Visit Yes Bank Net Banking portal
  • Enter your Login Id/Password and click on Login
  • Now add your credit card account as a biller
  • Now select add biller option and add your credit card details to start the process
  • Enter the amount and make the payment to your credit card
  • Now you can see the successful message on the screen and also you receive an acknowledgement number on your registered mobile number and email.

Yes Bank Credit Card Payment through NEFT/IMPS/RTGS

Apart from all the payment option, you can make Yes Bank Credit Card payment via NEFT/IMPS/RTGS. For this payment option you have to add your Yes Bank Credit Card as a beneficiary. As it is an electronic fund transfer service you can make payment 24x7 and also it helps you to transfer money instantly through your bank account. Below is the process for the same.

  • Visit Yes Bank Credit Card website and click on Log in
  • Under the drop-down menu, select Credit Card and click on Get Started
  • Enter your Login Id and Password
  • Enter the captcha code and click login
  • Now add your Yes Bank Credit Card as a beneficiary and enter the payment details
  • Add Yes Bank IFSC Code- YESB0CMSNOC
  • Make the payment complete, once you complete the process you can get the transaction details on your registered mobile number and email id.

Standing Instruction

Yes Bank Credit Cardholders can pay their utility bills with Yes Pay Now standing instruction. To use the process users must implement a basic Standard Credit Card Instruction to insure that their utility bills are paid on time every month. Apart from this the applicants also get interest free credit period for reward points or cashback. All these services can be availed without any cost.

Benefits of Standing Instruction

  • Easy registration process without any charges
  • Get free SMS and email alerts for every transaction
  • Get interest free credit period for reward points and cashback
  • Add billers as much you want
  • Get freedom from queues

Yes Bank Credit Card Payment via Cheque

  • You can make Yes Bank Credit Card payment via cheque
  • The cheque must be drawn in favour of 16-digit YES BANK Credit Card Number,
  • Deposit the cheque at any of the Yes Bank drop boxes in your city
  • It is mandated to mention your mobile number and name on the backside of the cheque.

Yes Bank Credit Card Payment via Cash

  • Visit your nearest Yes Bank branch to make credit card payment through direct cash
  • A processing fee will be charged to make the payment process complete.

ATM Funds Transfer

  • Visit your nearest Yes Bank ATM hub
  • Insert your card and follow the instructions
  • Once the payment is done you will get the transaction details on your registered mobile number and email id

Yes Bank Credit Card Status

After applying for Yes Bank Credit card one can easily track the status of the credit card. Below given is the process to track the status Yes Bank Credit card via online and offline methods.

Keep these details with yourself before tracking the application status:

  • Registered Mobile Number
  • Application Form Number
  • Application Reference Number

Online Process to track Yes Bank Credit Card Status

  • Visit Yes Bank website and click on Credit Card tab
  • Now click on application status
  • Now enter your mobile number or Application Form number or Application reference number as per your choice.
  • Now enter the captcha code on the required box and click on Submit
  • On the next page you can track the status of your applied Yes Bank Credit Card

Offline Process to track Yes Bank Credit Card Status

Apart from the above given online process applicants can also go through below given process to track the status of Yes Bank Credit Card through offline. 

For Yes First Credit Card customers call or email on the below given details

For Yes Prosperity Credit Cardholders call or email on the below given details

Yes Bank Credit Card IFSC Code

Yes Bank IFSC Code is an 11-digit alphanumeric number assigned by the RBI to make an electronic payment. This can be used by the individual for using the electronic payment option such as RTGS, NEFT and CFMS. Use of IFSC Code is mandated to transfer money from one bank to another.

YESB0000607 is the IFSC Code of Yes Bank Credit Card

The first four letters YESB represents the bank name and the last 6-digit represents the branch code of the bank.

Yes Bank Credit Card IFSC Code Benefits

  • This code is the primary source and is mandated if you are paying your credit card dues via electronic payment option.
  • You can make payment in a convenient manner without any risk.
  • This code is the ideal partner for those who don't have savings account in the bank from which the credit has been issued.

Where to get Yes Bank Credit Card IFSC Code?

  • You can get Yes Bank IFSC Code via online and on the bank website also
  • You can also contact the bank to get the IFSC Code
  • You have to add your credit card as a beneficiary to make the payment or transfer your money via the electronic payment platform

How to make payment via Yes Bank Credit Card IFSC Code?

  • Visit the Yes Bank Credit Card website
  • Log in to the online portal with Yes Bank Net Banking Id and Password
  • Add your credit card as a beneficiary and make the payment via NEFT, RTGS or CFMS
  • Before you make payment the below given details is required to complete the payment process:
  • Name of the recipient: Mention your name as per your credit card
  • Bank Name- Yes Bank
  • Branch Name- Provide your branch name
  • IFSC Code- YESB0000607
  • Transfer amount- Provide the amount you are willing to transfer
  • Address: Mention the proper address of the branch

Yes Bank Credit Card App

Yes Mobile app is a self-service smartphone app for all Indians that allows you to access all of your credit card information fully. The app allows you to take different types of benefits related to your credit card. You just need to Login with your Net Banking Id and Password to avail the benefits of Yes Bank App. If you are a Yes Bank customer it is easy and convenient to perform 85 + banking services on your way. Below given are the features of Yes Bank app and the download process.

Features of Yes Mobile 

  • You can Log in with your fingerprint and pin-based, which gives you the enhanced security to use the application
  • Stay updated with your account information and balance
  • Get different types of payment option such as NEFT/RTGS
  • With BHIM UPI feature pay our receive the money just by scanning the QR Code.
  • By using your account number and IFSC Code get 24X7 Interbank Mobile Payment Service (IMPS)
  • No need to register as a beneficiary, get Ad-hoc fund transfer on the go
  • Easily send or receive fund from your contact list.
  • Pay all your credit card due bills just with a single click.
  • Open RD and FD account instantly without any documentation
  • Get mini statement on your email id instantly and track your monthly transaction
  • With the help of Yes Mobile app, request for chequebook instantly
  • Calculate your monthly EMI's and manage your EMI in a convenient manner
  • Check your loan eligibility and apply for loan instantly
  • Recharge your mobile, DTH, Telephone and get the transaction details instantly
  • With Yes Mobile app pay your credit card bill and manage your unbilled transaction
  • Hotlist your Yes Bank Credit card and change the PIN of your credit card instantly
  • Get push notifications for all your transactions
  • Get amazing credit card offers on the app
  • With Yes Mobile, register for Retail Net Banking without any cost
  • Add some transactions as Favourites post, to complete the transaction faster without re-entering the same info
  • With Yes Mobile app manage your credit card transaction limit
  • With Speech to text feature register your credit card related Queries/Complaints instantly
  • Personalize your profile and home screen menu of Yes Mobile app as per your choice
  • Get callback for applying for another Account, Loans, Credit Card & more
  • View loyalty reward points balance and manage them accordingly
  • Use Maps & Innovative Reality Feature to locate the nearest branches and ATMs of YES BANK
  • Yes Mobile can be managed on your smartwatch, Sync your Android / iOS wearable watch with your smartphone via Bluetooth.

Activate Yes Bank Mobile App with 4 Steps

  • Customer ID or Debit card details
  • Credit Card Details
  • Net Banking Credentials
  • Personal Information such as Customer ID, DOB and PAN details.

Yes Bank Mobile App Activation Process

  • Go to the Playstore or Appstore and Yes Bank Mobile App
  • Tap on Yes Bank app and then tap on Install icon to start download
  • After the download is completed tap on the app to the start the process
  • Now tap on Start Tour and read all the details and instructions
  • Tap on Credit Card and enter the required details of your credit card and tap on “Submit”
  • Now you will get an OTP on your registered mobile number
  • Enter the OTP on the required field and tap on “Submit”
  • Now create a 6-digit APIN as per your choice and tap on “Proceed to MPIN”
  • Now create a 6-digit MPIN and tap on “Proceed”
  • Now you will get a message displaying “Your APIN and MPIN are set successfully”, below that tap on “Proceed”
  • Now set your fingerprint if you want to Login to Yes Mobile with your Fingerprint
  • After that you will get a successful message on your registered mobile number and you can now take the advantages of Yes Bank Mobile App.

Yes Bank Credit Card PIN Generation

Usually, YES Bank mails the credit card PIN to the registered postal address. But apart from this, you can adopt any of the procedures set out below to obtain your YES Bank credit card PIN.

Methods to generate Yes Bank Credit Card PIN

Below listed are the methods through which you can generate PIN for your Yes Bank Credit Card.

  • Yes Bank Credit Card PIN Generation via Net Banking
  • Yes Bank Credit Card PIN Generation via ATM
  • Yes Bank Credit Card PIN Generation via Customer Care service

Yes Bank Credit Card PIN Generation via Net Banking

You can generate Yes Bank Credit Card PIN via Net Banking facility which is one of the easiest methods. Scroll down and know the process for the same

  • Visit the official site of Yes Bank Credit Card and on "Login" which is located on the right side of the page
  • Now under the credit card section click on "GET STARTED"
  • Now click on Click on ‘PIN SET/RESET’ which is located on the left side of the screen
  • Select your card type and enter your Credit Card number
  • Create a PIN and reenter the same on the required field
  • Now you will get an OTP on your registered mobile number
  • Enter the OTP on the next page to start the validation process
  • Once the process is completed you will get a successful message on your registered mobile number or email.

Yes Bank Credit Card PIN Generation via ATM

You can visit your nearest Yes Bank ATM to generate your credit card PIN. It is one of the easiest offline methods from which you can generate your Credit Card PIN instantly with some easy steps. Below given process is for the same.

  • Visit the nearest Yes Bank Credit Card and insert your credit card in the ATM slot to start the process
  • Tap on your preferred language and after that tap on Set Pin or Generate OTP option
  • Now enter your credit card details on the required section and tap on Continue
  • Now enter your registered mobile number with the bank in order to generate the OTP
  • You will get an OTP on your mobile number instantly after the credit card validation is over
  • Enter the OTP on the required field and create a 4-digit PIN of your choice
  • Re-enter the OTP on the required field and tap on Confirm
  • Now you will get a successful message on the ATM screen as well as on your registered mobile number

Yes Bank Credit Card PIN generation via Customer Care service

If you do not have internet access, you may simply call the 24x7 YES Customer Care Helpline given below to generate PIN for your Yes Bank Credit Card. Once your credit card details are verified your PIN generation request will be recorded by the customer care executive your PIN generation request will be recorded by the customer care executive. A physical PIN will be sent to your registered mailing address. Additionally, you can also write an email to YES Bank requesting them to generate a credit card PIN. Write an email or call to the customer care executive with the below-given details:

YES Bank credit card toll-free number- 1800 103 1212 (For India), +91 22 4935 0000 (when calling from overseas)

Customer care e-mail ID- yestouchcc@yesbank.in 

Yes Bank Credit Card IFSC Code

Yes Bank credit card IFSC code is an 11-digit alphanumeric code that is used by National Electronic Funds Transfer (NEFT) to allow payments of an overdue credit card account. It is a special code that varies from the standard IFSC bank code used to trigger the transfer of funds from one bank account to another. A must for NEFT transfers is the Indian Financial System Code, which is the full form of IFSC. The IFSC credit card code for yes bank is YESB0CMSNOC. Many that do not have a savings account at Yes Bank can still pay their credit card bills from some other bank account with NEFT transfer. To do so, you have to include the credit card as a beneficiary. The first four YESB characters represent the name of the bank and the fifth character zero is left aside for future use. Typically the last 6-digit indicates the division of the bank which facilitates the payment of credit card bills. Hopefully, this code is the same for all credit cardholders.

Advantages of Yes Bank Credit Card IFSC Code

  • This code is the key method of reimbursement on an unpaid credit card bill
  • This code is helpful for applicants to pay bills from anywhere in the world in a comfortable way.
  • This code is useful in making secure payments at no risk.
  • The code is valuable to those who do not have a savings account with the bank.

Yes Bank Credit Card Rewards

With Yes Bank Credit Cards you can get rewards for all your transactions and redeem the rewards for amazing merchandise. 

Reward Point Earning

  • Spend a minimum of Rs 5000 within 30 days of card issuance and get 1250 reward points
  • Spend a minimum of Rs 3.6 lacs in a year and get annual bonus rewards of 12,000
  • Spend a minimum of Rs 100 and get 5 reward points
  • Spend a minimum of Rs 100 on International purchase and get 4 reward points
  • Spend a minimum of Rs 100 on dining and get 3 reward points
  • Spend a minimum of Rs 100 on retail and get 2 reward points
  • By doing 4 transactions of INR 500 or above within statement cycle get 100 reward points
  • Get 500 Reward Points for each YES PayNow registration

Accelerate Reward Program

  • Redeem the reward points for an exciting range of products. Some of are listed below
  • Reward points redemption against JP Miles (4 Reward Points = 1 JPMile)
  • Redeem the reward points against insurance coverage
  • Redeem the reward points against credit Shield cover in case of accidental death of Primary Cardholder

Redeem the YES Points that you earn against a variety of rewarding bonuses. You can also pick from the below listed products: 

  • Redeem the reward points against Gift vouchers and Movie vouchers
  • Redeem the reward points to recharge your DTH or Mobile
  • Redeem the reward points to pay for your utility bills
  • Redeem the reward points to book hotel, air tickets, bus tickets, OLA and more

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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