WELCOME TO THE

WORLD OF YES PROSPERITY

REWARDS PLUS

5318 4901 2345 6789

06/21
RAMESH M BHAT
 ANNUAL BONUS REWARDS
Earn 12,000 Bonus Reward Points on spends of
` 3.6 Lakhs or more, every anniversary year.#

REWARD POINTS ACCRUAL

Earn more with every transaction

2 Reward Points on every

`100 on all other
retail spends.2

3 Reward Points
per INR 100 on
Grocery Stores
& Supermarkets1

500 Reward Points on

each YES PayNow
registration.3

REWARD POINTS REDEMPTION

Redeem your Reward Points across a wide selection of
handpicked items or Air Miles. You can redeem your Reward
Points through any of the below options:

• Login to YES BANK NetBanking • Visit www.yesrewardz.com/creditcard

• Call our 24x7 YES TOUCH Customer Care number
1. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Grocery Stores &
Supermarkets categories (MCC Code : 5411). Not applicable on EMI on Call and Instant EMI transactions.
2. Applicable for retail transactions only. Not Valid on fuel transactions, cash advance, fees & charges, Priority Pass charges and EMI on Call
& Instant EMI transactions.
3. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments.
Additionally, please note.
a. De-registration of a biller within 6 months of YES PayNow registration will result in reversal of bonus reward points earned for that
particular biller registration.
b. De-registration of a biller post 6 months of YES PayNow registration, followed by re-registration of the same biller, will not earn any bonus
reward points.
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 INTEREST RATE ON
REVOLVING CREDIT
Avail an attractive Interest Rate of 3.50% per month (42.00% annually)
on Revolving Credit on your YES Prosperity Reward Plus Credit Card

ADDITIONAL BENEFITS

Fuel Surcharge Waiver

Enjoy Fuel surcharge waiver** at all fuel
stations across India for transactions
between `400 to `5000
Dining Privileges ** Total waiver in a statement cycle is capped at `125.

Avail attractive discounts

with your YES BANK
Credit Card when you Foreign Currency
dine out at participating
restaurants.# Markup
#
To know more, please visit Enjoy preferential Foreign
www.yesbank.in Currency Markup of
3.40% on all International
Transactions (POS,
Online or ATM).

Insurance Cover
Your card is secured with `
1 Lakh Credit Shield Cover.^
^Please visit www.yesbank.in for
detailed Terms and Conditions on
Insurance Cover

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 If you lose your card,
report your loss to our
24x7 YES TOUCH Customer
Care number. We will promptly
Enjoy block it and deliver a new card at
up to 50 days
a nominal charge. Any fraudulent
interest-free
transaction made after
credit on your
purchases. your complaint, will
be covered.*

INTEREST-FREE
CREDIT ZERO
PERIOD* LOST CARD
LIABILITY

Being a Primary In a situation

YES BANK Credit
Cardmember, you can
avail up to 3 Add-on
YES BANK Credit Cards FOR YOUR
for your spouse, parents,
siblings, son and/or
daughter (over 18
years).*
where you need cash,
just step into any one
of our ATMs or member
CARDS
ATMs and withdraw
cash up to 30% of your
ENTIRE Credit Limit at a very
FAMILY nominal charge.#
CASH
AT YOUR
FINGERTIPS

OTHER FEATURES

* Subject to Terms & Conditions as applicable in the Most Important Terms and Conditions.
Please visit www.yesbank.in to know more.
#
Please refer to the Schedule of Charges enclosed with the Most Important Terms and Conditions.
3

HOW TO USE YOUR CHIP + PIN CARD
Point of Sale Transaction
The CHIP & PIN card comes to you with greaterCASH
1 Terminal will prompt
The merchant will
insert your card at a
CHIP & PIN enabled
Point of Sale terminal
2
The merchant will
enter the transaction
amount to be paid by
you
USING YOUR CARD
Remember to retain the bill and check
the amount in the charge slip against those
mentioned in your card billing statement.
If you suspect any fraud, contact us on
our 24x7 YES TOUCH Customer Care
number immediately.
If your card is enabled for
International transactions, it can be
used in India and around the world,
except for foreign currency
transactions in Nepal and Bhutan. If
you make any transactions outside
India, they should be in accordance
with the Exchange Control
Regulations of the Reserve Bank of
India. If you violate any of these
regulations, you will be liable
NEFT
security.
PAYMENT
The Point of Sale
you for a PIN
3
4
Enter your correct
4-digit Credit Card PIN
and pull out the card
once the transaction
is complete
for action under the Foreign Exchange
Management Act of 1999 (FEMA).
If your card is disabled for
International transactions, your card
can only be used in India. All
International transactions -- POS,
Online & ATM will be blocked.
Your Credit Limit is the total limit
assigned to your Card Account for
usage, including the usage of Add-on
Cards, if any.
While making the payment of your
statement balance, please ensure that
the clear funds are credited to the
YES BANK Credit Card Account on
or before the Payment Due Date.
4
 PAYING YOUR
CREDIT CARD BILLS
For YES BANK Account Holders:

YES BANK ATM

FUNDS TRANSFER:
You can transfer funds
from your Savings/Current
Account to your Credit
Card Account.

NETBANKING/MOBILE
BANKING:
Register yourself for the
YES BANK NetBanking/
Mobile Banking Facility and STANDING
make Credit Card INSTRUCTIONS:
payments online. You can submit written
instructions to automatically debit a
pre-determined portion of your monthly
outstanding from your Savings/Current
Account to your Credit Card Account.

For all Customers:

NEFT:
You can make your payment through NEFT
fund transfer mode from other bank
accounts. Use IFSC code:YESB0CMSNOC
CHEQUE PAYMENT:
You can make your YES BANK Credit
Card payment by cheque. Please quote
your 16-digit Credit Card Number, and
drop the cheque at any of our drop boxes
in your city. Please mention your name and
mobile number on the back of the cheque.
NETBANKING:
Make payment through any bank
NetBanking account using BillDesk facility
at www.yesbank.in
CASH PAYMENT:
You can also make payment through Cash
at YES BANK Branches. Please refer to
the Schedule of Charges in the Most
Important Terms and Conditions for
charges applicable for cash payments.

DISCLAIMER: The above features are subject to change.

Please visit www.yesbank.in for details on latest features on your card.
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 Secure Online
Transactions

AUTHENTICATING YOUR
ONLINE TRANSACTIONS
You have an option to set a password of your choice
or use a One-Time Password for authentication
of your online transactions.
A) Authentication using MasterCard B) Authentication Using One-Time
SecureCode: Password (OTP):
MasterCard® SecureCode™ is an easy Online transactions on YES BANK Credit
to use, secure online payment service on Card are more convenient with One Time
your YES BANK Credit Card, that lets Password (OTP) authentication. Please
you shop online securely with a password select OTP as authentication option
of your choice. To generate your 3D during online transactions. The OTP shall
Secure Password, please log on to be sent to your registered mobile number.
www.yesbank.in
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