Has YES Bank credit card service fully recovered since 2020?

Yes. Following RBI's March 2020 moratorium and the subsequent SBI-led reconstruction plan, YES Bank has fully rebuilt its digital infrastructure. As of 2026, the credit card platform operates normally with standard reward accrual, online redemption, and customer service via the YES MOBILE app. New card issuances, limit increases, and reward transfers all function normally.

What is unique about YES Bank Wellness cards?

YES Bank Wellness and Wellness Plus are among the few dedicated health-and-wellness credit cards in India. They offer accelerated reward points on pharmacy purchases, health club memberships, OPD consultations, and medical spends — categories most other cards treat as base-rate transactions. These cards appeal to health-conscious individuals with recurring healthcare expenses.

What rewards does the YES FIRST Preferred card offer?

YES FIRST Preferred earns accelerated reward points on travel bookings (flights, hotels), dining, and international spends. It includes complimentary domestic airport lounge access, milestone travel vouchers, and dining privileges at partner restaurants. Annual fee is ₹2,999 (waived on meeting an annual spend threshold).

Is the YES ACE card a good cashback card?

YES ACE offers flat cashback on all spends made via Google Pay or qualifying UPI QR transactions, making it competitive for customers who primarily pay digitally. It is one of the more accessible YES Bank cards with flexible eligibility, and cashback is credited automatically to the statement without manual redemption.

YES Bank Credit Cards

YES Bank – Accelerated Rewards & Lifestyle Cards

Est.2004HQMumbai, Maharashtra21 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹3,417

About This Bank

YES Bank Credit Cards — 2026 Overview

YES Bank has emerged from its 2020 reconstruction with a refreshed credit card portfolio and improved digital infrastructure. While the bank's market position is smaller than before, its card programme offers genuine value — particularly in the rewards, travel, and wellness segments — at competitive annual fees.

Portfolio Highlights

Cashback & Everyday: YES ACE (flat cashback via Google Pay/UPI QR), Prosperity Cashback Plus, Prosperity Rewards Plus — straightforward reward structures for daily spenders at low annual fees.

Wellness & Lifestyle: YES Wellness, YES Wellness Plus — health-focused cards with rewards on pharmacy purchases, health club spends, and OPD consultations. A differentiated niche in the Indian credit card market.

Travel & Premium: YES FIRST Preferred, YES FIRST Business — accelerated reward points on international spends, travel bookings, dining privileges, and complimentary lounge access (domestic). Competitive benefits for the mid-premium segment.

Ultra-Premium: YES Private, YES Marquee — YES Bank's flagship premium products targeting high-net-worth individuals with comprehensive lounge access, concierge services, milestone travel benefits, and high reward earn rates.

Co-branded & Niche: YES Bank Multicurrency Travel Card, POP Club, ANQ Phi — specialist cards for travel currency management, rewards-focused millennials, and fintech users.

Post-Reconstruction Recovery

Cashback

ShoppingMoviesUtilities

Eligibility Guide

Min. Income

₹3 lakh p.a.

CIBIL Score

700+

Age Range

21–60 years

Eligibility for YES Bank Credit Cards

General Criteria

Age: 21–60 years
Income: ₹3 lakh p.a. (entry / Prosperity range); ₹6 lakh+ (FIRST Preferred); ₹10 lakh+ (FIRST Business); ₹25 lakh+ (YES Private / Marquee)
Credit Score: 700+ recommended; 720+ for FIRST and premium cards
Employment: Salaried or self-employed

Application

Applications are accepted via the YES Bank website (yesbank.in), the YES MOBILE app, or at YES Bank branches. YES Bank processes applications for both existing customers and fresh applicants with no prior banking relationship with the bank.

Key Documents

PAN card
Aadhaar / passport (address proof)
Last 3 months' salary slips or bank statements
ITR for self-employed applicants (last 2 years)

All YES Bank Credit Cards

YES FIRST Business Credit Card

Joining Fee:

₹999 + GST

Renewal Fee:

₹999 + GST

Rewards Type:

Reward Points

BusinessTravelShopping

Yes Bank Marquee Credit Card

Joining Fee:

₹9,999 + GST

Renewal Fee:

₹4,999 + GST

Rewards Type:

Reward Points

TravelShoppingDining

YES Bank BYOC Credit Card

Joining Fee:

₹600 + GST

Renewal Fee:

₹600 + GST

Rewards Type:

Reward Points / Cashback

ShoppingTravelDining

YES Prosperity Cashback Plus Credit Card

Joining Fee:

₹1,499 + GST

Renewal Fee:

₹1,499 + GST

Rewards Type:

Cashback

ShoppingMoviesUtilities

YES Prosperity Rewards Credit Card

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Rewards Type:

Reward Points

ShoppingDiningTravel

YES First Preferred Credit Card

Joining Fee:

₹999 + GST

Renewal Fee:

₹999 + GST

Rewards Type:

Reward Points

TravelDiningShopping

YES Select Credit Card

Joining Fee:

₹599 + GST

Renewal Fee:

₹599 + GST

Rewards Type:

Reward Points

ShoppingTravelPremium

YES ACE Credit Card

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Rewards Type:

Reward Points

Shopping

YES Elite+ Credit Card

Joining Fee:

₹999 + GST

Renewal Fee:

₹999 + GST

Rewards Type:

Reward Points

International SpendsTravelMovies

Frequently Asked Questions

Clear, concise answers to help you understand this card better.