How to Block Yes Bank Credit Card: Step-by-Step Guide

Key Takeaways

• Call 1800 103 1212 or use the iris app to block Yes Bank credit cards fast.
   
• Clear all outstanding dues before you request permanent card closure.
   
• Redeem reward points within 30 days or lose them forever.
   
• You can instantly block your YES Bank credit card by sending an SMS ‘BLOCKCC <last 4 digits>’ to 9840909000 from your registered mobile number.
   

Yes Bank credit card security is important for you to carry out safe credit card transactions. If you act fast during an event of credit card loss, it saves your money from theft and fraud. 

Gautam from Gurugram misplaced his YES Bank credit card while shopping in his favorite shopping mall. He used the iris app to block his Yes Bank credit card immediately. He prevented all unauthorised transactions that could have happened on his card. His prompt response kept his account safe and secure. 

This guide shows you how to block YES Bank cards. Learn all methods to protect your money right now.

Methods to Block a Yes Bank Credit Card

 Losing your credit card can be stressful. But blocking it quickly keeps your money safe. Here is how to block Yes Bank credit card fast. 

1. Contact YES Bank Customer Care

The fastest way is to call the Yes Bank customer care number 24/7. Dial 1800 103 1212 (toll-free in India). You can also call +91 22 4935 0000 (for abroad). Lines are open around the clock for emergencies.

Yes Bank credit card customer care agents will block your card immediately. They ask for verification details like:

• Last 4 digits of your card number
• Date of birth
• Registered mobile number

This stops unauthorised transactions instantly. Report lost or stolen cards without delay.

2. Send a Written Email Request

Email creditcard.closure@yesbank.in for permanent closure. Write from your registered email ID only. Mention your full name and card details. State you want to close the account. Attach any required documents if asked.

For temporary blocking, contact head.grievanceredressal@yes.bank.in immediately. Yes Bank credit card customer care responds within 24 hours, usually.

3. Block Through YES Bank Mobile App/Net Banking

Download the iris by YES BANK app. Log in with your credentials securely. Go to the credit card section quickly. Select ‘Block Card’ or ‘Report Lost Card’. Confirm your request with OTP verification. This is how to block a Yes Bank credit card through the app.

For Net Banking:  YES Online

The app works 24x7 for emergencies. It's quick, safe, and very convenient.

Remember the Yes Bank credit card customer care number 24x7: 1800 103 1212. Save it on your phone now. Quick action prevents financial loss during emergencies.

Before you block your card, pay all dues. Check your last statement carefully. Clear the total amount due completely. Unpaid bills will delay card closure. YES Bank won't process requests with pending dues.

What Happens After Your YES Bank Credit Card is Blocked?

Closing your credit card involves several important steps. Understanding the process helps avoid future problems. Here's what happens after you request closure.

Cut Your Card Properly: You must cut your card diagonally first. Cut through the magnetic chip carefully and completely. This makes the card completely unusable forever. Any transactions during closure are your responsibility only. Send the defaced card to the bank. This confirms your closure request is genuine.

Redeem Your Reward Points First: Redeem all reward points before requesting cancellation. You get 30 days after the request. Points expire permanently if you don't act. Call Yes Bank credit card customer care number 24x7 to redeem. Dial 1800 103 1212 for immediate assistance. Don't lose your hard-earned rewards unnecessarily.

Clear All Outstanding Balances: Pay off your entire outstanding balance completely. The bank won't process a closure with unpaid dues. This includes balances on supplementary cards, too. Check your last statement very carefully now. Clear every pending amount before making the request.

Cancel Automatic Payments and EMIs: Cancel all automatic payments linked to your card. Stop standing instructions and recurring payments immediately. Ongoing payments may delay the closure process. Contact the Yes Bank credit card customer care for help. EMIs will be added to the final outstanding. You must pay this amount for permanent closure.

RBI's New Rules on Closure: YES Bank must close cards within seven days. This applies after all dues are cleared. Banks face a ₹500 penalty per day otherwise. The penalty applies beyond seven working days. Inactive cards over one year get deactivated. You receive prior notification before automatic closure.

Final Steps After Closure: All linked add-on cards get deactivated automatically. Available reward points expire upon card closure. YES PayNow registrations are withdrawn immediately, too. Any credit balance gets refunded to you. Request a refund if the balance exceeds the specified limits.

Card closure takes a maximum of seven working days. Yes Bank customer care number 24x7 helps with queries: 1800 103 1212. Keep your card details handy when calling. The process is simple if the dues are clear.

Tips for Secure YES Bank Credit Card Management

Closing your credit card needs careful planning. Follow these steps for smooth and safe closure.

Clear All Outstanding Balances: Check that your card has no outstanding balance remaining. Settling all dues prevents additional charges or problems. The bank won't process a closure with pending dues. Clear every rupee before requesting card cancellation.

Stop Using Your Card Immediately: Stop using the card after requesting cancellation now. New transactions could delay the closure process significantly. Keep your card aside once closure begins. Don't make any purchases during this period.

Safeguard Your Personal Information: Cut through the card across the magnetic strip carefully. Cut through the chip to prevent fraud completely. This stops potential identity theft or misuse permanently. Destroy the card completely for your safety.

Redeem All Your Reward Points: Use accumulated reward points before closing the account. Points expire permanently after account closure. Contact how to block a Yes Bank credit card through the app. Don't forfeit rewards you've earned through spending.

Verify Your Credit Report Later: Wait 30 to 45 days after card closure. Then review your credit reports very carefully now. Confirm the account shows as closed correctly there. This protects your financial reputation going forward.

Cancel Automatic Payments First: Stop all standing instructions linked to your card. Cancel recurring payments and autopay registrations immediately now. Update payment methods on subscription services, too. This prevents failed transactions after card closure.

Follow these precautions for a hassle-free credit card closure. 

Conclusion

There you have it. Your YES Bank credit card must be kept safely in a secure location for easy and safe access. Act quickly when you lose your card. Immediately call the helpline or use the mobile app to block your Yes Bank credit card. Clear all dues before you request to permanently block your Yes Bank credit card. Cut your card properly from the welcome card letter to prevent damage to the card. Follow RBI rules for smooth and quick blocking of your Yes Bank credit card. Keep customer care numbers saved in your phone, in case you face any Yes Bank credit card issue. Stay alert and protect your financial information carefully.

Bonus Tip: Use YES Bank net banking to track your card status online anytime.

Bonus Tip: You can view and download your YES Bank credit card statement online through YES Bank NetBanking. You can find it under the “Credit Card” and then “Statements” section. It will help you review recent transactions quickly before blocking your card. 

FAQs

Q1. How to block a Yes Bank credit card instantly?

Call 1800 103 1212 or use the iris app now.

Q2. How to block a Yes Bank credit card through the app or online?

Log in to the iris app and select Block Card.

Q3. What is the Yes Bank credit card customer care number 24x7?

The number is 1800 103 1212 (toll-free), available always.

Q4. Can I block my Yes Bank credit card by calling customer care?

Yes, call 1800 103 1212 for fast card blocking service.

Q5. How to permanently close a Yes Bank credit card?

Clear all dues and email creditcard.closure@yesbank.in for closure.

Q6. What happens after I close my Yes Bank credit card?

Reward points expire, and add-on cards get deactivated together.

Q7. How many days does Yes Bank take to close a credit card?

YES Bank closes cards within seven working days maximum.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.