• Credit Score: Your credit score plays a significant role in the approval of your credit card application. A high score can also fetch you better interest rates.
• Types of Credit Cards: Understand the different types of credit cards available - reward cards, travel cards, etc. Choose one that suits your spending habits and lifestyle.
• Fees and Charges: Be aware of the various fees and charges associated with the card. These include annual fees, late payment fees, and foreign transaction fees. Some cards may offer waivers on these fees under certain conditions.
• Interest Rates: Understand the interest rates. If you don't pay your balance in full each month, you'll be charged interest. The lower the interest rate, the less you'll have to pay.
• Credit Limit: Consider the credit limit, which is the maximum amount you can charge to your card. Exceeding this limit can result in fees and negatively impact your credit score.
• Responsibility: Remember, a credit card is a responsibility. Use it wisely to avoid falling into debt. Always read the terms and conditions before applying.

• Confidentiality: Never share your card details, PIN, or OTP with anyone.
• Monitor Statements: Regularly check your credit card statements for any unauthorized transactions.
• Alerts: Opt for SMS or email alerts to stay updated about your card usage.
• Secure Networks: Use secure networks for online transactions and avoid using public Wi-Fi.
• Two-Factor Authentication: Enable this feature for added security during transactions.
• Report Loss or Theft: In case of card loss or theft, immediately report to your bank and block the card. Your prompt action can prevent potential misuse.

1. Apply for a credit card online through YES Bank website by following below steps:

• Visit our official website and go to the credit card section.
• Check your credit card eligibility.
• Fill out the online application form and submit it.
• Track your application status online.

2. Visit your nearest YES Bank branch:

• Apply for a Credit Card using a physical form.
• Provide the necessary details and get your Credit Card delivered to your doorsteps.

   

A credit card is a payment card issued that allows the cardholder to borrow funds to make purchases or pay for services. The borrowed amount is to be repaid to the credit card issuer within a specified time, typically with interest charged on the outstanding balance.

A credit card works by allowing cardholders to make purchases or pay for services with borrowed funds from the card issuer. When a cardholder uses a credit card for a transaction, the card issuer pays the merchant on behalf of the cardholder. The cardholder is then required to repay the borrowed amount to the credit card issuer within a specific time, usually on a monthly billing cycle.

To apply for a credit card, follow these steps:

• Compare credit card options based on interest rates, fees, rewards, and benefits
• Review the eligibility criteria, such as age, income, employment, and credit history, specified by the credit card issuer.
• Collect required documents like ID proof, address proof, income proof, and others mentioned by the issuer.

The eligibility criteria for a credit card may vary depending on the credit card type. However, some common factors considered for credit card eligibility include:

• Age: Typically, the minimum age requirement is 18 years or above
• Income: Most issuers require a minimum income level to ensure the cardholder's ability to repay the borrowed funds
• Employment status: Regular employment, self-employment, or a steady source of income may be required.
• Credit history: A good credit history demonstrates responsible credit behaviour, increasing the chances of approval.
• Residency: Some issuers may require applicants to be residents or citizens of the country where they are applying for the credit card

When applying for a credit card with YES BANK, you will typically need to provide the following documents:

• Identity proof: Any government-issued ID card such as Aadhaar, PAN card, or passport
• Address proof: Documents like Aadhaar, utility bills (electricity, water, gas), passport, or driving license that establish your residential address
• Income proof: Depending on your employment type, you may need to submit salary slips, bank statements, IT returns, or Form 16 as proof of income
• Passport-size photographs: Recent passport-size photographs for identification purposes
• Application form: The completed and signed credit card application form provided by YES Bank
• It's important to note that specific documentation requirements may vary based on factors such as the type of credit card and the individual's profile. It is advisable to check with the bank directly or visit the website to obtain accurate and up-to-date information on the required documents for credit card applications.

Within 4-5 business days, your credit card will be approved and shipped to your mailing address. To check the progress of your application, go to credit card application status at YES BANK and enter your Application Reference number.

The credit limit is determined by the credit card issuer based on various factors such as the cardholder's income, credit history, repayment behaviour, and other relevant criteria.

To increase your credit card limit with YES BANK, you can contact their customer service or visit a branch to inquire about the process. The bank will assess various factors such as your credit history, income, and repayment behaviour before considering a credit limit increase.

YES BANK offers a range of credit cards to suit different needs and preferences. These are Super Premium Credit Cards, Premium Cards, Featured Cards, Thematic Cards & Business Cards

Credit cards often come with various benefits and rewards. These may include cashback offers, reward points on purchases, discounts on partner merchants, travel benefits like airport lounge access or air miles, fuel surcharge waivers, and insurance coverage. The specific benefits and rewards vary depending on the type of credit card you have.

You can earn Reward Points by making eligible purchases using your Credit Card. To redeem the accumulated Reward Points, you can check the redemption options provided by YES BANK, such as bill payments, gift vouchers, merchandise, or airline miles. The redemption options may vary, visit https://creditrewardz.yes.bank.in

Credit cards may have various fees and charges associated with them. These can include an annual fee, joining fee, late payment fee, cash advance fee, foreign currency transaction fee, over-limit fee, and more. Additionally, interest charges may apply if the outstanding balance is not paid in full by the due date.

You can make payments on your YES BANK credit card through various methods. These include online payment through the bank's website or mobile app, setting up auto-debit instructions, using electronic fund transfer (NEFT/RTGS/IMPS) from your bank account, paying through cash or cheque at bank branches or ATMs, and other payment channels specified by the bank. Refer to YES Bank's guidelines or contact our customer service for details.

If you miss a credit card payment, you may be charged a late payment fee and interest on the outstanding amount. You can pay your credit card bills at bill payment You may pay the MAD (Minimum Amount Due) against the Outstanding amount to avoid late payment fees.

If you need to dispute a credit card transaction with YES BANK, you should promptly contact our customer service email at yestouchcc@yesbank.in or dialling us at 1800-103-6000.

You can use our Net Banking portals, Mobile Banking (under Credit Card Dashboard section), or monthly statements to monitor your transactions, view spending patterns, set spending limits, and categorize expenses.

A credit card balance transfer allows you to transfer the outstanding balance from one credit card to another, usually at a lower interest rate. This can help you consolidate your debts and save on interest payments. The specific process and terms may vary, so it's advisable to check with YES BANK website at YES BANK for detailed information on balance transfers and any applicable offers.

To protect your YES BANK credit card from fraud and unauthorized use, you should keep your card safe, not sharing your card details like your CVV, Expiry Date or OTPs with anyone, regularly monitoring your transactions, signing up for transaction alerts, using secure payment gateways, and reporting any suspicious activity or loss of the card immediately to the bank's customer service.

If your YES BANK credit card is lost or stolen, you must immediately block it. You can do so by reporting it to 1800-103-6000 or write us at yestouchcc@yesbank.in . You can also report it at credit card block dispute

You can close or cancel the credit card through phone banking (1800 103 6000 for those in India and +91 22 4935 0000 for those abroad) or by sending a request letter to the bank's official address - yestouchcc@yesbank.in, through net banking, through iris App or clicking on link available on the footer of this page.

You can check eligibility with below sources.

a. IRIS --> Log in --> Credit Card --> Show Cards details --> Manage --> Service request

b. Alternatively, Email to yestouch@yesbank.in to check upgrade eligibility.

You can continue to use your existing YES Bank Credit Card until the new card reaches to you. Your existing card will be disabled automatically once you start using your upgraded card or within 45 days from the date of card upgrade or on the existing card’s expiry date, whichever comes earlier.

Once you have submitted your consent for upgraded Credit Card, YES Bank will dispatch the card to your registered address and should reach you within 7 working days. You may continue to use your existing Credit Card till the time you receive your new card. We will keep you informed for the shipment details.

When you upgrade your YES Bank Credit Card, the Reward Points on the existing Credit Card will be transferred to the new Credit Card in 1:1 ratio. The Cardmember can redeem Reward Points after first statement has been generated on the new Credit Card.

All existing EMIs, loans and bill payments, if any available on the existing Credit Card will continue on the new card.

In line with the RBI circular dated 15th January 2020, all upgraded Credit Cards are disabled for online, international, and contactless usage as a security enhancement measure. To enable these features, please visit our Net Banking (YES Online) or Mobile App (YES Mobile & IRIS) or YES Service Portal.

To enable or disable transactions on your YES Bank Credit Card, please visit our respective channels: Net Banking (YES Online) or Mobile App (YES Mobile & IRIS) or YES Service Portal.

For a selected few, we provide this facility based on usage and repayment track record. You can avail both the offer by providing your consent for both limit enhancement and card upgrade separately or call our customer care no: 1800 1200 for assistance.

Yes, the new card will be chargeable in case you upgrade to a paid variant card.

Annual Fee of the old card will not be reversed if existing card has been upgraded to higher variant. Fee is charged only once in a year. Fee for the upgraded Credit Card would be charged as per the card fee date set-up on the system, which will be levied once in a year.

Spend based reversal benefits would be applicable from 2nd year onwards as per the Fee and Charges criteria defined and applicable for respective YES Bank Credit Card variant and this will be applicable on certain card types only.

As per the internal norms set by YES Bank, credit limit remains the same irrespective of the card type that has been upgraded with. For credit limit enhancement offer, bank communicates the same separately only to the selected few card-members.

This is a statutory requirement from Government of India and YES Bank has to adhere the same.