Yes Bank Lifetime Free Credit Card
Yes Bank now offers Lifetime Free Credit Cards to its customers. These cards come without any annual fees, making them appealing for those looking to reduce their banking costs. Like other credit cards, they provide various features, including security measures and potential rewards. As always, potential users should review the terms and conditions to understand the full scope of benefits and any other associated fees before applying.
Top Yes Bank Lifetime Free Credit Cards
At present, Yes Bank does not have any Lifetime Free Credit Cards in their lineup. Their credit card offerings typically include an annual fee, which may be waived if a specific spending threshold is met within the card anniversary year. Although there are no Yes Bank lifetime free credit cards available now, the bank does offer basic or starter credit cards with a minimal annual fee. While these cards might not offer premium perks, they still come with worthwhile rewards and promotions.
Yes Bank Credit Cards That Are Value for Money
| Name of Card | Joining Fee | Rewards | Best for |
|---|---|---|---|
| Yes Elite+ Credit Card | Rs. 999 + Taxes | 12 points on every Rs. 200 spent on travel and dining capped at 2500 Reward Points per statement cycle. | Shopping |
| Yes Select Credit Card | Rs. 399 + Taxes | 8 points on every Rs.200 spent on travel and dining(capped at 1500 Rewards per statement cycle) | Shopping |
| Yes Ace Credit Card | Rs. 399 + Taxes | 8 points on every Rs.200 spent on travel and dining(capped at 1500 Rewards per statement cycle) | Shopping |
Yes Bank Premia Credit Card
The YES Premia Credit Card, designed for luxury, offers elite benefits across multiple sectors. Available for an initial fee of Rs. 999, this can be waived if specific spending criteria are met within the first ninety days. Cardholders earn 12 Reward Points for every Rs. 200 spent, and 6 Reward Points on expenditures like taxes, utilities, and government services. Additionally, enjoy a 25% discount on movie bookings via BookMyShow with this card.
Features & Benefits of Yes Bank Premia Credit Card
The Yes Bank Premia Credit Card is a distinctive offering from Yes Bank, packed with an array of elite benefits spanning various sectors, including travel, rewards, insurance, and more. Here's a snapshot of its prominent features:
Travel Benefits:
- Complimentary Priority Pass Membership with three free yearly airport lounge accesses outside India.
- Within India, Priority Pass usage charges are US $27 + GST per visit. Beyond three complimentary international visits, the same fee applies.
- Two free domestic lounges accesses every quarter for the primary cardholder.
Cinematic Offers:
- Avail a 25% movie discount using the card on BookMyShow, capped at Rs. 250 monthly.
Golfing Privileges:
- Four waived green fees at select Indian golf courses.
- Monthly complimentary golf lesson at specific courses nationwide.
Insurance Covers:
- Credit shield of Rs. 2.5 lakhs, Rs. 1 Crore Flight Accidental Death Cover, and Rs. 30 Lakhs for international emergency hospitalization.
Fee Waivers:
- Waive the joining fee by spending Rs. 25,000 within 90 days of activation.
- Annual fee waiver on spending Rs. 1.5 Lakhs or more.
Fuel Advantages:
- Enjoy a 1% fuel surcharge waiver on transactions from Rs. 400 to Rs. 5,000, with a monthly cap of Rs. 250.
Foreign Currency Perk:
- An attractive foreign currency markup fee of just 2.75%.
Rewards:
- 6 Reward Points for every Rs. 200 on retail.
- 3 Reward Points per Rs. 200 on utilities, taxes, government services, and more.
- A boosted 12 Reward Points per Rs. 200 for Travel and Dining (max 2,500 monthly).
Redemption:
- Exchange points via Yes Rewardz for movies, flights, and hotel bookings.
- Point values: 1 RP equals Re. 0.25 for hotel/flight bookings, 10 RPs for 1 InterMile, and 10 RPs for 1 Club Vistara Point.
Yes Bank Prosperity Edge Credit Card
The YES Bank Prosperity Edge credit card, available for an initial fee of Rs. 399, is crafted to enhance lifestyles through its array of rewards and benefits. Perfect for those keen on accumulating savings via reward points, this card offers numerous advantages such as generous reward points, bonuses based on spending, and the potential for fee waivers. If you spend Rs. 15,000 within the initial 90 days, the joining fee gets waived. Additionally, an annual expenditure of over Rs. 75,000 ensures a fee waiver for renewal. With added travel benefits and waivers on fuel surcharges, every transaction brings you a step closer to prosperity.
Features & Benefits of YES Bank Prosperity Edge credit card
The YES Bank Prosperity Edge card is ideal for those seeking a credit card with robust rewards and diverse benefits. Offering substantial savings across multiple purchase categories, it presents a valuable proposition for savvy spenders.
Reward System:
- 4 Reward Points per Rs. 200 on standard retail expenses.
- 2 Reward Points for specific categories (taxes, groceries, postal services).
- Enhanced 8 Reward Points per Rs. 200 on Travel and Dining (max 1,500 monthly).
Point Redemption:
- 1 point = Rs. 0.10 for movies, bills, charity, etc.
- 1 point = Re. 0.25 for hotel/flight bookings.
- Redemption via dedicated portal; Rs. 100 fee by YES Bank.
Milestone Perk:
- Bonus 15,000 Points for annual spend of Rs. 6 lakhs.
Travel Features:
- 1 complimentary domestic lounge access per quarter.
- Complimentary Priority Pass membership; lounge visits at USD 27+GST each.
Golfing Benefits:
- 4 free annual green fees at select courses.
- Monthly complimentary golf lesson.
Insurance Covers:
- Rs. 50 lakhs for air accident fatalities.
- Rs. 15 lakhs for emergency overseas hospitalization.
- Credit shield for primary cardholder's air accident death.
Additional Perks:
- 500 points for each successful YES PayNow registration.
- Exclusive deals on travel, dining, and shopping in select cities.
- Contactless card with secure payment features.
Fee Waivers:
- Joining fee: Waived on spending Rs. 15,000 within 90 days.
- Renewal fee: Waived on annual expenditure over Rs. 75,000
Yes Prosperity Rewards Plus Credit Card
The YES Prosperity Reward Plus Credit Card, tailored for daily spend rewards, comes with a modest annual fee of Rs. 399. Cardholders can accumulate bonus points on grocery and supermarket purchases. More specifics about this card are provided subsequently.
Features & Benefits of Yes Bank Prosperity Rewards Plus Card
YES Prosperity Rewards Plus Credit Card Rewards
- You earn 4 Reward Points on every Rs. 200 you spend on retail purchases.
- Earn 2 Reward Points on every transaction of Rs. 200 for utilities, bus lines, postal services, tax payments, etc.
- Earn 8 Reward Points per Rs. 200 spent on dining and travel, capped at 1500 reward points per month
- Get 500 Reward Points on each successful YES PayNow registration.
Fuel Fee Waiver
- Benefit from a 1% fuel surcharge waiver at every fuel station across India for transactions ranging from Rs. 400 to Rs. 5,000.
- Maximize your savings with up to Rs. 125 off monthly via this fuel surcharge exemption.
YES Bank Lifetime Free Credit Cards FAQs
A credit score of 750 and above usually increases the likelihood of approval for the YES Prosperity Rewards Plus Credit Card. However, a score of 350 is relatively low, potentially leading some banks to decline your application.
With the YES Prosperity Rewards Plus Credit Card, users are exempt from fuel surcharge fees for transactions ranging from Rs. 400 to Rs. 5,000.
Certainly, as a YES Bank account owner, settling your credit card bills is streamlined through netbanking.
Holders of the YES Prosperity Rewards Plus Credit Card are subject to a cash advance fee, which is the greater of 2.5% of the transaction amount or Rs. 300. This fee will be reflected in your upcoming monthly statement, but bear in mind that the bank may modify this fee at their discretion.
To be eligible for the YES Prosperity Rewards Plus Credit Card, applicants should be between the ages of 21 and 60.
As of now, Yes Bank doesn't offer any credit cards that are lifetime free. However, they have cards that may have their annual fee waived based on certain spending criteria met within the card anniversary year.
While Yes Bank does not currently offer lifetime free credit cards, they have basic or starter credit cards with a nominal annual fee. These cards offer good rewards and promotions despite not having premium features.
The Yes Bank Premia Credit Card offers 12 reward points on every Rs. 200 spent on travel and dining, capped at 2500 reward points per statement cycle.
No, the Yes Bank Premia Credit Card has a joining fee of Rs. 999 + Taxes, while the Yes Prosperity EDGE Credit Card comes with a joining fee of Rs. 399 + Taxes.
Some of the cards that offer great value for money include the Yes Bank Premia Credit Card, Yes Prosperity EDGE Credit Card, and Yes Prosperity Rewards Plus Credit Card. All these cards have decent rewards especially for shopping.
Yes, both the Yes Prosperity EDGE and Yes Prosperity Rewards Plus Credit Card offer 8 points on every Rs. 200 spent on travel and dining, but this is capped at 1500 rewards per statement cycle.
Yes Bank's credit card lineup focuses on value for money rather than premium perks. However, the Yes Bank Premia Credit Card does offer a higher reward point yield, especially for travel and dining, making it relatively more premium compared to the other cards listed.