YES Bank Credit Cards are ideal for users who want everyday rewards, flexible redemption, and pocket-friendly fees. The card suits salaried and self-employed individuals looking for cashback, rewards, travel benefits, and fuel savings with simple eligibility and quick approval.

Key Features

• Earn accelerated reward points on online and offline spends
• Fuel surcharge waiver across all major fuel stations
• Attractive welcome benefits on select cards
• Milestone bonuses on annual spends
• Contactless payments enabled
• Complimentary lounge access on select variants
• Quick redemption via YES Pay Rewards portal

Fees & Charges

1.Joining Fee: ₹0–₹999 (depending on card variant)
2.Annual Fee: ₹0–₹1,199
3.Waiver Conditions: Annual fee waived on reaching yearly spend milestone
4.Interest Rate: 3.5% per month (42% per annum approx.)
5.Forex Markup: 3.5%

Eligibility Criteria

• Minimum age: 21–60 years
• Indian resident
• Stable monthly income (salary or self-employed)
• Clean credit history
• Valid KYC documents

Documents Required

• Identity Proof: Aadhaar / Passport / Voter ID
• Address Proof: Aadhaar / Utility Bill / Passport
• Income Proof: Salary slips (last 3 months) / ITR for self-employed
• PAN Card
• Passport-size Photo

What Makes This Card Stand Out

• High reward points value
• Easy reward redemption through Yes Pay
• Low joining fees and LTF options
• Travel and fuel benefits across variants

Important Information

• Reward points validity: 3 years
• Lounge access varies by card type
• Fuel surcharge waiver capped monthly
• Interest charges apply on unpaid balances
• Offers may change based on issuer policies

Why We Recommend This Card

• Good for salaried users who want rewards on essentials
• Affordable fees with waiver options
• Best for fuel, travel, and online shopping
• Reliable customer support and quick approval

Offer via FishMyDeal

Get exclusive cashback + instant approval benefits when you apply via FishMyDeal.
Apply here: Yes Bank Credit card

How to Apply

1. Click the Apply Now link
2. Fill your basic details
3. Upload KYC documents
4. Complete verification and wait for approval

Frequently Asked Questions

1. How do YES Bank credit card reward points work?
You earn points on every spend and redeem them on the YES Pay Rewards portal.

2. How to use YES Bank credit card reward points?
You can redeem them for vouchers, flights, products, EMIs, or statement credit.

3. What is the YES Bank credit card rate of interest?
Interest is approx. 3.5% per month, depending on card usage and repayment.

4. How to increase YES Bank credit card limit?
Maintain good usage, timely bill payments, and request a limit enhancement via netbanking.

5. How to open YES Bank credit card statement?
Log in to YES Online/YES Mobile and access monthly statements or email alerts.

6. How to contact YES Bank credit card customer care?
Call 1800 103 1212 or use YES Mobile app support.

7. How to check YES Bank credit card application status?
Use the online application tracker on YES Bank’s website or SMS service.