The following are the features and benefits of Yes Bank Credit Cards:  

• Special offers for lifestyle spend like shopping, dining, movie tickets, and travel.  
• Bonus reward points and vouchers as welcome gifts.  
•  Complimentary access to domestic airport lounges at major airports across the country.  
•  Waiver of surcharge on fuel spends.  
• Exclusive Concierge service will be available.  
• Free access to premier golf courses across the country.  
• Reward points for spends on all purchases.  
•  Facility to convert transactions on the Credit Card to EMI and pay in easy instalments.  
• Facility for a contactless transaction is available.  
• Online transactions can be secured with Mastercard Secure Code.  
• Instant cash-advance facility up to the available credit limit at nominal interest is available. This cash advance is a Personal Loan with no restriction on end-use and can be paid in easy instalments.  
•  Facility to initiate standing instructions on YesPayNow to pay your utility bills on the due dates

Here are the benefits you can enjoy with the 5 types of credit cards as provided by YES BANK:

• Welcome Cashback between Rs. 250 and Rs. 1,250 on spends made in first month.
• Attractive cashback on bill payments, movie tickets, dining, shopping, & travel.
• Get Yes Bank Reward Points on every use and choose from the bank’s extensive catalogue to redeem your reward points against the purchase.
• Convert any large purchases into instant EMI and spread the cost over a longer period.
• Yes Bank credit cards are secure with EMV chips/ tap-and-pay NFC chips for quick & secure payments and transactions.
• Get fuel surcharge waivers for transactions between Rs. 400 to Rs. 5,000.
• With select Yes Bank credit cards, get access to MasterCard lounges.
• Secure access on e-payments with a MasterCard PIN.
• Yes Bank also provides American Express credit cards offers for high-value customers, giving them access to the best retail services across the world.
• The card is available in many variants.

Following are the Yes Bank Credit Card eligibility criteria:

• Occupation: Salaried, self-employed, proprietors, and partners of partnership firms.
• Age: 
• 21 to 70 for Business Credit Cards
• 21 to 60 for all other cards
• Credit score: Above 750
• Minimum income criteria:
• YES FIRST Preferred Credit Card: Rs. 2 Lakhs per month or ITR of Rs. 24 Lakhs. This card can also be availed against Fixed Deposit of minimum Rs. 3 Lakhs in select branches of Yes Bank.
• YES PROSPERITY EDGE Credit Card: Rs. 60,000 per month or ITR of Rs. 7.20 Lakhs.
• YES Prosperity Rewards Plus Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs. This card is also issued against Fixed Deposit at select branches of Yes Bank.
• YES Prosperity Rewards Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
• YES FIRST BUSINESS Credit Card: ITR of Rs. 10 Lakhs.
• YES Prosperity BUSINESS Credit Card: ITR of Rs. 5 Lakhs.
• YES FIRST Exclusive Credit Card: Rs. 4 Lakhs per month or ITR of Rs. 50 Lakhs.
• YES Premia Credit Card: Rs. 1.20 Lakhs per month or ITR of Rs. 15 Lakhs.
• YES Prosperity Cashback Plus Credit Card: Rs. 25,000 per month or ITR of Rs. 5 Lakhs.
• YES Prosperity Cashback Credit Card: Rs.25,000 per month or ITR of Rs. 5 Lakhs.

The following documents are required to apply for Yes Bank Credit Card:

• Address Proof: Such as Aadhaar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
• Proof of Identity: Such as Aadhaar Card, Voter's ID Card, Passport, Driving Licence, PAN Card, etc.
• Income Proof: Such as IT Returns, Form 16, and the latest Salary Slips.

The charges for YES BANK Credit Card are as mentioned below:

Select Yes Bank cards have feature of Reward Points that can be accrued against your retail spends as per the feature of the specific card. Reward Points can be viewed in your monthly Credit Card statements or through NetBanking.

The table below gives details of Yes Bank Credit Card Reward Points and Cashback:

Yes Bank offers you an easy way to transfer your outstanding amount with Credit Card of other bank (minimum value of Rs. 2,500) at a lower interest rate of 12% to 15% p.a for tenure of your choice.

This Balance Transfer on EMI Facility is available only to select card members. 

You can call the 24x7 YES TOUCH Customer Care Centre to check your eligibility. The EMI for the transferred amount will be charged to card member's monthly statement.

To avail this Balance Transfer facility: 

• You may be requested by Yes Bank to submit a copy of your latest Credit Card statement of other bank the balance of which has to be transferred.
• Yes Bank will send a demand draft to your mailing address in favour of the other Credit Card account for the approved transfer amount.
• The EMI amount will be billed on the billing date to your Credit Card every month in the statement.
• A Balance Transfer transaction will then block your available credit limit on the credit card up to the Balance Transfer amount on-EMI availed, including charges & service tax.
• The maximum amount that you can transfer from other bank’s credit cards to your credit card is subject to approval from Yes Bank.

The Account Holders of Yes Bank can make Credit Card Payments in the following ways:

• Register for Yes Bank Internet banking facilities.
• You can give auto-debit instructions from your Savings Bank Account at Yes Bank or can transfer the amount to Credit Card from your Savings Bank/Current Account at any Yes Bank ATM.

All other customers can make the payment in the following ways:

• NEFT/RTGS: Under the beneficiary account option, you will have to provide the Yes Bank Card Number.
• Cheque: Mention the Yes Bank Credit Card Number and drop the cheque at any of the Yes Bank drop boxes across the cities.
• Bill Desk: Payment can be made through any bank net banking account.
• You can also make payment by way of cash deposit at any Yes Bank branches.

You can use the Yes Bank Mobile App and make payment through Yes Bank Savings account or any other bank account