YES Bank Credit Cards in India: What You Should Know

Yes Bank now has a healthy mix of credit cards across categories, from reward-based to travel, lifestyle, and wellness cards. A few even come secured against fixed deposits (FDs), which is a blessing for beginners or those not meeting the standard income criteria.

The best part? Many of them are now lifetime-free or have waived annual fees if you hit certain spend targets. That kind of flexibility matters when you’re careful with every rupee you spend. 

Best Credit Cards by Yes Bank

Based on popularity, user feedback, and benefits, these are some standout cards worth considering:

Yes Bank Credit Card Features & Benefits

Across its portfolio, Yes Bank has kept the focus on all-round benefits, not just flash and lounge access. You would find benefits like dynamic rewards, bonus points on specific categories, contactless transactions, insurance protections, and fuel surcharge waivers. 

If you’ve ever worried about fees, several cards now come with spend-based or lifetime-free options. Secured versions exist for low-credit-score users as well.

• Accelerated reward points on travel, dining, groceries, and online spending. 
• Domestic & international lounge access on higher-tier cards. 
• Fuel surcharge waivers for spends around ₹400–₹5,000. 
• Protection cover: lost card, credit shield, purchase protection. 
• Flexible repayment via EMI and e-Mandate systems. 

Top Yes Bank Credit Card Reviews

What I’ve read across online communities matches my own experience: users appreciate the reward strength and accessibility, especially when paired with fixed deposits. 

Here’s the general sentiment:

• Generous reward rates for travel and dining make them attractive.
• Those with moderate income find FD-backed cards easier to get.
• Some gripe about the higher foreign markup and stricter fee waiver conditions.
• Approval and delivery can feel slow due to VKYC or address checks.

Card Against FD by Yes Bank

Yes Bank’s FD-backed card is a smart starting point if you want a card but don’t yet meet the income or CIBIL cutoff. 

Your credit limit is linked to your FD, so there’s less risk for the bank and less stress for you. These can come with relatively low interest and relaxed eligibility: especially helpful for students, freelancers, or homemakers.

Yes Bank Credit Card Rewards, Cashback & Offers

Yes Bank’s YES Rewardz program is layered but useful once you get used to it. 

You typically earn points on every ₹200 spent, with higher rates for dining and travel. I personally prefer clear cashback cards, but their milestone rewards, say on ₹6 lakh annual spend, do add up if you track consistently. Here are some useful rewards on Yes Bank Credit Cards: 

• Reward points or 1%–10% cashback on eligible spends
• Customisable merchant offers each month
• Fuel surcharge waivers (1%)
• Wellness cards with check-ups and health perks

Yes Bank Credit Card Eligibility Criteria

If you’re wondering whether you qualify, here’s the usual range:

• Age: 21–60 years (extendable for business cards)
• Employment: Salaried or self-employed
• Income: ₹25,000/month for entry-level cards to ₹2 lakh/month for RESERVE and similar
• Credit History: Good bureau score preferred; FD-backed cards are easier routes

Yes Bank Credit Card: Documents Required

• Identity Proof: PAN, Aadhaar, Passport, DL, or Voter ID
• Address Proof: Aadhaar, Passport, Utility Bill, etc.
• Income Proof: Salary slips/bank statements/ITR
• For self-employed: Last year’s ITR and audited accounts
• Passport-size photographs and FD proof (if applicable)

How to Apply for Yes Bank Credit Cards? 

Yes Bank’s online process is among the smoother ones in private banking now:

1. Visit Yes Bank’s official website → Personal Banking → Credit Cards
2. Select your preferred card → Click “Apply Now”
3. Submit personal and income details
4. Upload scanned documents
5. Complete digital/vKYC verification
6. Wait for confirmation → bank verifies credit and dispatches card

Yes Bank Credit Card Application Status

You can track your application at Yes Bank’s website under “Credit Card Application Status,” by calling 1800-103-1212, or emailing .

How to Activate a Yes Bank Credit Card? 

When your card arrives, call 1800-103-1212 or use the YES Mobile app to verify and set your PIN. Make sure your registered number is active for OTPs. Generally, activation happens within a few hours. 

Yes Bank Login / Netbanking Access

Register or log in via YES NetBanking or the YES Mobile App to manage your credit card — check transactions, generate statements, manage limits, or even block your card instantly if needed.

Yes Bank Credit Card Customer Care

• General helpline: 1800 103 1212 (India) | +91 22 4935 0000 (International)
• Premium helpline (YES First / RESERVE / ELITE+): 1800 103 6000
• Email

Yes Bank Recent Devaluations & Discontinuation

As of November 2025, a few reward structures have seen minor devaluations. Lounge visits and spend-linked waivers require higher spends now, and foreign markup fees vary by card. 

A note of caution: a few users reported being issued “replacement” cards different from what was originally applied, so double-check card names before you sign. 

Yes Bank Latest News & Updates

Nov 2025: Launch of Wellness Credit Card — strong rewards on health, fitness, and pharma spends.

Yes Bank Domestic Lounge Status

I personally know people who have used lounge access facilities on the RESERVE and ELITE+. The experience was a smooth entry across major domestic terminals, definitely worth it if you travel regularly. 

However, entry-level cards have limited or no passes. Always confirm the benefit before travel so you aren’t left surprised at the counter. Here are some Yes Bank cards with lounge access benefits:

Check if your card offers lounge access facilities with a simple search

FAQs About Yes Bank Credit Cards

How can I get a lifetime-free Yes Bank card?

Most cards become lifetime-free if you cross annual spend thresholds: check each card’s terms (ELITE+, RESERVE, ACE, etc.).

What’s the foreign currency markup?

Premium cards charge 1%–1.75%, others around 2.75% or more.

Can I apply against a fixed deposit?

Yes, some Yes Bank credit cards are issued against FD with limits up to 90% of the FD amount. Contact your local branch to know more. 

Where can I redeem rewards for Yes Bank credit cards?

You can redeem rewards across flights, hotels, shopping, movie tickets, partner programs, etc., from the official Yes Rewardz platform. 

How long does a YES Bank credit card activation take?

Usually, a few hours after verification. You have to activate your card within 30–40 days of activation.

My Personal Take on Yes Bank Credit Cards

I’d rather use one good card consistently than juggle five cards for fractional gain. Yes Bank’s credit cards strike a decent middle ground: rewards are respectable, and accessibility for smaller-city users is improving through FD-backed models.

For someone like me, disciplined, cautious, and not looking to impress anyone with a card, the Prosperity Edge or Wellness Card makes sense. The RESERVE card, though premium, might appeal to frequent travelers who can hit those spend thresholds easily.

I always tell people: apply for a card only if it fits your current lifestyle, not your imagined one. A card’s real value isn’t in annual perks or airport lounges: it’s in how responsibly it blends into your daily spend habits. If Yes Bank’s line-up helps you do that, it’s worth shortlisting.