Yes Bank Credit Card are designed depending on the varied individual requirements like travel, shopping, dining, entertainment, etc. It offers credit cards with low annual fees along with basic benefits and also premium credit cards that offer extraordinary privileges.
In this article, we would be discussing different Yes bank Credit Cards along with their features and attributes. Below mentioned are the different credit cards that are offered by Yes Bank:
-
Yes Prosperity Cashback Credit Card
Below mentioned are the salient features of the Yes Prosperity Cashback Credit Card:
| YES Prosperity Cashback Credit Card- A Snapshot | |
| Card Type | Mid-Level |
| Best Suited for | Cashback and rewards |
| Annual Fee | INR 999 |
| Minimum Income Requirement | INR 20,000 pm |
| Best Feature | 5% cashback on movies, groceries, and utility bill payments |
Fees & Charges
| Particulars | Amount |
| Membership Fee | INR 999 + applicable taxes (waived off on spending INR 15,000 on retail within 90 days of card activation |
| Renewal Fee | INR 399 + applicable taxes (waived off on spending INR 75,000 on retail 12 months prior to card renewal date) |
| Foreign Currency Markup | 3% |
| Finance Charges | 3.50% p.m./42.00% p.a. |
| Late Payment Charges | Less than INR 101 – Nil INR 101 – INR 500 – INR 150 INR 501 – INR 5,000 – INR 500 INR 5,001 – INR 20,000 – INR 750 INR 20,000 & above – INR 1,000 |
-
Yes Bank Wellness Plus Credit Card
Below mentioned are the salient features of the Yes Bank Wellness Plus Credit Card:
| YES Bank Wellness Plus Credit Card- A Snapshot | |
| Card Type | Mid-Level |
| Best Suited For | Health, Wellness & Lifestyle |
| Joining Fee | INR 1,499* |
| Annual Fee | INR 1,499* |
| Minimum Income Required | INR 25,000 per month |
| Best Feature | Complimentary health checkups, fitness sessions, consultations |
| Reward Benefits | Up to 30 reward points per INR 200 spent |
Fees & Charges
| Fee Type | Details |
| First-Year Membership Fee | INR 1,499* |
| Annual/Renewal Fee | INR 1,499* |
| Extended Credit Interest-Free Credit Period | Up to 50 days (applicable only on retail purchases and if the previous month’s outstanding balance is paid) |
| Late Payment Fee | Statement Balance: Less than INR 100 – Nil Between INR 100 to INR 500 – INR 150 Between INR 501 to INR 5,000– INR 500 Between INR 5,001 to INR 20,000– INR 750 Over INR 20,000 – INR 1,000 |
-
Yes First Exclusive Credit Card
Below mentioned are the salient features of the Yes First Exclusive Credit Card:
| YES FIRST Exclusive Credit Card- A Snapshot | |
| Card Type | Premium-level |
| Best Suited for | Rewards, Travel & Lifestyle |
| Joining Fee | INR 999 (Waived off on spending INR 75,000 within 90 days of card activation) |
| Renewal Fee | INR 999 (Waived off on spending INR 4 lakh in the previous year) |
| Minimum Income Requirement |
|
| Best Feature | 12 reward points for every INR 200 spent via this credit card on selected categories |
Fees & Charges
| Type of Fee/ Charge | Amount |
| Joining Fee | INR 999 (Waived off on spending INR 75,000 within 90 days of card activation) |
| Annual Fee | INR 999 (Waived off on spending INR 4 lakh in the previous year) |
| Finance Charges | 1.99% p.m. (23.88% p.a.) |
| Late Payment Fee | For Statement Balance:
|
-
Yes First Preferred Cashback Credit Card
Below mentioned are the salient features of the Yes First Preferred Credit Card:
| YES FIRST Preferred Credit Card- A Snapshot | |
| Card Type | Entry-level |
| Best Suited for | Reward Points |
| Joining Fee | INR 999+Taxes (waived off on spending INR 50,000 in a year) |
| Renewal Fee | INR 999+Taxes (waived off on spending INR 2.5 lakh in a year) |
| Minimum Income Requirement | Net Salary INR2 lakh p.m. or ITR>INR 24 lakh p.a. |
| Best Feature | 20,000 bonus reward points on spending of INR 7.5 lakh or more in each anniversary year |
Fees & Charges
| Fee/Charge | Amount/Rate |
| Annual Fee | INR 999+Taxes (waived off on spending INR 2.5 lakh in a year) |
| Interest Rate on Revolving Credit | 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount |
| Interest-free Period | Up to 50 days |
| Cash Limit | 30% of the credit limit |
| Cash Advance Fee | 2.5% of the amount withdrawn (min. INR 300) |
| Overlimit Fee | 2.5% of the over-limit amount (min. INR 500) |
| Foreign Exchange Mark-up | 1.75% |
| Late Payment Charges | For balance-
Below INR 100- Nil |
| Add-on Card Fee | Nil (up to 3 cards can be issued) |
| Payment Return Charges (Autopay/Cheques) | INR 350 per instance |
- Yes Prosperity Edge Credit Card
Below mentioned are the salient features of the Yes Prosperity Edge Credit Card:
| YES Prosperity Edge Credit Card- A Snapshot | |
| Card Type | Entry-level |
| Best Suited for | Reward Points |
| Joining Fee | INR 399+Taxes (waived off on spending INR 15,000 within 90 days) |
| Renewal Fee | INR 399+Taxes (waived off on spending 75,000 within 12 months prior to card renewal date) |
| Minimum Income | Net Salary INR60,000 p.m. or ITR>INR 7.2 lakh p.a. |
| Best Feature | 15,000 bonus reward points on spending of INR 6 lakh or more in each anniversary year |
Fees & Charges
| Fee/Charge | Amount/Rate |
| Joining Fee | INR 399+ Taxes (waived off on spending INR 15,000 or more within 90 days of card activation) |
| Renewal Fee | INR 399+ Taxes (waived off on spending INR 75,000 or more in a year ) |
| Interest-free Period | Up to 50 days |
| Cash Withdrawal Limit | 30% of the credit limit |
| Finance Charges/Cash Advance Fee | 3.50% of the amount |
| Overlimit Fee | 2.5% of the over-limit amount (min. INR 500) |
| Foreign Exchange Mark-up | 3.00% |
| Late Payment Charges | For balance- Below or equal to INR 100- Nil From INR 101 to INR 500- INR 150 From INR 501 to INR 5,000- INR 500 From INR 5,001 to INR 20,000- INR 750 Above INR 20,000- INR 1,000 |
| Add-on Card Fee | Nil (up to 3 cards can be issued) |
| Payment Return Charges (Autopay/Cheques) | INR 350 per instance |
Documents Required
Below mentioned is the list of documents required to apply for Yes Bank Credit Cards:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof |
| Proof of Income | Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement |
