YES Bank Credit Card Interest Rates

YES Bank, founded in November 2003, is a prominent player in the Indian banking sector, known for its excellent products and services. The Bank offers a varied range of products and services to its customers and stakeholders across many segments. YES Bank Credit cards are one such service that is trusted by thousands of individuals around the country.

In addition, the Bank provides retail banking services, investment banking solutions, corporate financing facilities, financial risk services, treasury services, and other services to its customers.

YES Bank Credit cards can enjoy an interest-free period of up to 50 days on their transactions. Customers do not have to pay their credit card payments during this time. However, if the bill is not paid in full by the due date, the YES Bank credit card interest rate will apply. Customers will also be unable to take advantage of the interest-free time.

YES Bank Credit Card Interest Rate 2024

Here is the table for the interest rate on YES Bank credit card:

Type of Credit Card

YES Bank Credit Card Rate of Interest

YES Prosperity Rewards Plus Credit Card/YES Premia Credit Card/YES Prosperity Business Credit Card/YES Prosperity Rewards Credit Card/YES Prosperity Cashback Plus Credit Card/YES Prosperity Cashback Credit Card/YES Prosperity Edge Credit Card

42% p.a

YES First/Private Credit Card/First Exclusive

14.40% p.a - 23.88% p.a

Features of the Credit Cards of YES Bank

The following are the general features YES Bank Credit Cards-

Milestone Benefits

As the name implies, milestone benefits are provided when the cardholder reaches a pre-specified spend milestone within a specified time period. With different cards, the milestone benefits can also be of different types.

Travel Benefits

Many credit cards are aimed at frequent travellers and provide a number of exclusive benefits to meet their needs. The YES Bank Cards provide travel benefits such as complimentary lounge access, discounts on hotel/flight bookings, and much more.

Other Benefits

Other benefits that may be available with the Credit Cards include entertainment benefits, dining discounts, fuel surcharge waivers, health and wellness benefits, spend-based annual fee waivers, and many more.

How to Apply for a Credit Card of YES Bank?

Step 1: Go to the official YES Bank website.

Step 2: Choose 'credit cards.'

Step 3: Choose a card.

Step 4: Choose 'Apply Now.'

Eligibility to Apply for the Credit Card

Those with strong credit can apply for credit cards from YES Bank (preferably above 750). Besides the credit score, the following are some other essential eligibility criteria-

  • The applicant's age range must be between 21 years and 60 years to apply for YES Bank credit cards.
  • YES Bank credit cards are available to both salaried and self-employed persons.

Documents Required for the Application

While applying for a credit card with YES BANK, you must provide the following documents-

  • A copy of your PAN card or Form 60 Picture, as well as your most recent payslip/IT Return, as proof of income
  • Any of the following address proofs are acceptable-
    Electricity Telephone Landline Billing Bill, Passport, and Ration Card
  • Any of the following ID proof-

Passport, Driving License, and PAN Card

Top YES Bank Credit Cards

Credit Card Name

Annual Charges

YES Prosperity Rewards Credit Card

₹ 399

YES Premia Credit Card

₹ 999

YES Prosperity Rewards Plus Credit Card

₹ 399

YES Prosperity Business Credit Card

₹ 399

YES Bank Wellness Credit Card

₹ 749

YES First Business Credit Card

₹ 999

YES Prosperity Cashback Plus Credit Card

₹ 1499

 

Features of Major Credit Cards of YES Bank

The prominent features of some of the various credit cards are as follows-

YES Prosperity Rewards Credit Card

You are rewarded every time you swipe your Prosperity Reward Plus Credit Card. The credit card entitles you to significant savings on eating and retail purchases.

YES Premia Credit Card

You get Free Priority Pass Membership, which entitles you to two free trips outside of India each calendar year (valid only for the principal cardholder).

YES Prosperity Rewards Plus Credit Card

This is for transactions between Rs.400 and Rs.5,000, you get a 1% fuel cost waiver at all fuel outlets in India.

YES Prosperity Business Credit Card

After your first transaction within 30 days of receiving your card, you will receive a welcome gift of 20,000 reward points and several other benefits.

YES Bank Wellness Credit Card

Every year, consumers receive a complimentary preventive health, eye, and dental checkup, among which, the card offers varied wellness benefits.

YES First Business Credit Card

After your first transaction within 30 days of receiving your card, you will receive a welcome gift of 20,000 reward points and more.

YES Prosperity Cashback Plus Credit Card

You get a 1% fuel price waiver at all Indian fuel outlets for transactions ranging from Rs.400 to Rs.5,000 and obtain credit shield coverage in the event of the principal cardholder's accidental death.

When is the YES Bank Credit Card Interest Rate Charged?

If the cardholder does not pay the credit card bill in full before the date, a finance charge will be assessed. It applies to the outstanding balance. It will be paid at the monthly percentage rate determined by the due date.

If the customer already has a balance, the finance costs will apply from the first day. Please keep in mind that cash advances incur finance costs from the day they are withdrawn.

Interest-Free Period

The interest-free term for credit cards of YES Bank is 20-50 days. However, the interest-free period is not offered if the preceding statement cycle's debt is not completely paid off by the due date.

If the cardholder withdraws cash from an ATM, the interest-free period does not apply.

Benefits Offered

  • Depending on the card you have, you can earn excellent benefits on a variety of purchases. You can earn points or money on purchases such as restaurants, groceries, and movie tickets.
  • Use YES PayNow to set up automatic payments for all of your utility bills. You may pay your mobile phone bill, phone bill, rent, energy bill, insurance bill, broadband bill, and gas bill. Aside from the convenience, depending on the card you have, you will also receive reward points on certain transactions.
  • Benefits include airport lounge access, golf course access, insurance coverage, fuel fee waivers, and more. Through YES Privileges, you also receive promotional offers on shopping, fitness, dining, travel, and more.

Other Bank’s Credit Card Interest Rate

SBI Credit Card Interest Rate

Axis Bank Credit Card Interest Rate

Bank of Baroda Credit Card Interest Rate

HDFC Bank Credit Card Interest Rate

Canara Bank Credit Card Interest Rate

ICICI Bank Credit Card Interest Rate

IndusInd Bank Credit Card Interest Rate

IDFC FIRST Bank Credit Card Interest Rate

Kotak Mahindra Bank Credit Card Interest Rate

YES Bank Credit Card Interest Rate

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