Yes Bank Credit Card Benefits – Complete Guide & Top Perks

Key Takeaways
 

• YES First Business Card offers 16 points per ₹200, while ACE Card provides 4 points per ₹200 on spending.

   

• YES First Business Card grants 6 complimentary international lounge visits, while Prosperity offers 1 domestic visit quarterly.
   
• Minimum monthly income required is ₹40,000, with higher requirements for YES Prosperity Edge Cards based on the variant.

 Have you ever wished your everyday spending could reward you generously? Yes Bank credit cards transform ordinary purchases into valuable benefits. These cards offer reward points, travel perks, and exclusive privileges. They cater to different lifestyles and spending patterns effectively.

A Yes Bank credit card works like a financial companion. It allows you to make purchases now and pay later. The card rewards you with points on every transaction. Think of it as a loyalty programme for spending. Each swipe brings you closer to exciting rewards and benefits.

I recently applied for a Yes Bank credit card online. The process was simple and quick for me. I now earn 8 reward points on ₹200 spent. Last month, I redeemed points for a flight ticket. The Yes Bank credit card limit suits my monthly expenses. I also enjoy fuel surcharge waivers at petrol stations. My card truly enhances my spending experience every day.

Key Benefits of Yes Bank Credit Card

Did you know that the right credit card can transform your spending into rewards? Every transaction becomes an opportunity to earn benefits and save money. Yes Bank credit cards offer multiple advantages for cardholders across India.

Yes Bank credit cards deliver comprehensive benefits for diverse users. The reward programmes help you earn points on everyday spending. Travel benefits include lounge access and fuel surcharge waivers. 

Yes Bank lifetime free credit card benefits may vary by variant. You should compare the Yes Bank credit card benefits and charges carefully. Each card has its own fee structure and terms. Consider the Yes Bank credit card benefits and disadvantages before you decide. 

Choose the card that aligns with your spending patterns. Apply Yes Bank credit card online through their official website today. Select the variant that matches your lifestyle and needs perfectly.

Eligibility Criteria & Required Documents for Yes Bank Credit Card

Yes Bank offers exciting rewards with its credit card range. Different cards have specific criteria for various customer segments. However, certain basic eligibility requirements apply across all card variants.

Age Requirements:

• The minimum age requirement is 21 years for all applicants.
• The maximum age limit is set at 60 years only.

Income Requirements:

• Salaried or self-employed individuals can apply with a steady income.
• The minimum monthly income requirement is ₹40,000 for most cards.
• This amount can be higher for YES Prosperity Edge Cards.

You must meet these basic criteria before you proceed further. The bank evaluates your financial stability and credit history carefully. This ensures that cardholders can manage their credit responsibly.

Documents Required:

Yes Bank credit cards help you achieve your desired lifestyle. The range of cards is designed for different user requirements. Each card provides balance rewards, cashbacks, perks, and attractive costs.

Basic Documents Required:

• A copy of your PAN card or Form 60.
• Photograph for identity verification purposes.
• Latest payslip or IT return as proof of income.

Address Proof Documents (any one):

• Electricity bill as residential address proof.
• Landline telephone bill for address verification.
• A passport as a valid address proof document.
• Ration card for address confirmation purposes.

Identity Proof Documents (any one):

• Aadhaar card for the identity verification process.
• A passport is a valid identity proof document.
• Driving licence for identity confirmation purposes.
• PAN card as an identity proof document.

Documents required may vary on a case-by-case basis. You can contact the bank to confirm specific requirements. This ensures your application is seamless and swift always.

Conclusion

Yes Bank credit cards provide excellent rewards and travel benefits. Apply for a Yes Bank credit card today to unlock these advantages. Compare the Yes Bank credit card limit and features carefully. Choose wisely based on your spending habits and requirements.

Bonus Tip: YES Bank recently revised its lounge access rules: now, cardholders must spend a minimum amount per quarter to unlock free airport lounge visits. So if you use a YES Bank card and want lounge access, track your spending. Meet the threshold before travelling to enjoy lounge perks for free.

FAQs

Q: What is the minimum income required to apply for a Yes Bank credit card?

A: The minimum monthly income requirement is ₹40,000 for most cards. This amount may be higher for YES Prosperity Edge Cards.

Q: How do I cancel a Yes Bank credit card?

A: You need to call Yes Bank customer care immediately. Inform them that you want to cancel your credit card. Take a service request number for future reference purposes. Mark an email to them with the reference number. Follow up and confirm that your card is closed.

Q: How can I check my Yes Bank credit card status?

A: You need to wait for a few weeks after the application. The bank takes time to approve or reject applications. The card approval will take a few days to reach. The card has to be made and sent to you. There is no guarantee that the final approval will come.

Q: Which are the popular Yes Bank credit cards?

A: The Kiwi Credit Card is praised for quick cashback and rewards. Marquee Credit Card offers 4.5% cashback on online spends. It provides up to ₹5,50,000 monthly and unlimited lounge access. Pop-Club Credit Card offers 5% cashback but has redemption restrictions. Each card caters to different spending needs and preferences.

Q: What are the main criticisms of Yes Bank credit cards?

A: Some users report poor customer service experiences with the bank. The Pop-Club card’s cashback redemption is limited and inconvenient. Cashback schemes have many restrictions on redemption and selected stores. The 5% cashback value converts to only 1% in reality. Users find it difficult to redeem coins at their preferred stores.

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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.