Best YES Bank Shopping Credit Card 2026

Key Highlights of the YES Bank Shopping Credit Card

Here are some of the main features of the YES Bank shopping credit card:

How the Yes Bank Shopping Credit Card Helps You Save More on Shopping

Savings with this card come from how rewards are structured. Online shopping offers higher returns, which suits people who buy regularly through apps and websites. Offline spending still adds points, keeping value steady across day-to-day purchases.

Over time, these points accumulate and can be redeemed through the bank’s reward programme. This is where the card serves as a YES Bank cashback shopping credit card alternative, even though the value is delivered through rewards rather than direct cashback.

Periodic campaigns and merchant offers also contribute, adding a YES Bank card discount on shopping benefits during sales and festive periods.

Benefits of the Yes Bank Shopping Credit Card

The benefits focus on everyday usability, keeping rewards practical and easy to understand. The card is for regular shoppers who want steady returns without premium fees.

• Higher reward points on online purchases help frequent digital shoppers earn faster.
• Reward points on offline spends, keeping value consistent across store purchases.
• Functions well as a YES Bank credit card for shopping across categories.
• Eligible fuel transactions receive a surcharge waiver, reducing routine fuel costs.
• Supports EMI conversion on shopping spends for better payment flexibility.
• Suitable for users seeking a balanced YES Bank consumer shopping card for daily use.

Welcome & Joining Benefits for Yes Bank Shopping Credit Card

The card starts with a value that aligns with regular usage rather than one-time perks. New users can begin earning reward points with their first transaction, especially when shopping online, where the earn rate is higher.

A joining fee applies, but early usage helps offset this through reward accumulation. Limited-time merchant offers and introductory campaigns may also be available during select application periods.

This structure keeps onboarding simple while enabling the YES Bank Shopping Credit Card to deliver value through everyday spending.

Fees & Charges for Yes Bank Shopping Credit Card

The fee structure stays moderate and aligned with the card’s shopping-focused rewards. Charges apply only at issuance and renewal, with no hidden usage fees.

Eligibility Criteria for Yes Bank Shopping Credit Cards

YES Bank sets basic eligibility criteria to ensure the card is suitable for regular spenders with stable income and repayment capacity. The criteria remain similar to most entry-level shopping cards.

• Age: Applicants are typically required to be between 21 and 60 years old.
• Income: Salaried individuals should meet the bank’s minimum income criteria, which may vary by city and employer profile.
• Employment: Both salaried and self-employed applicants may qualify, subject to proof of income and stability.
• Credit profile: A healthy credit score and clean repayment history improve approval chances for a YES Bank credit card for shopping.
• Residency: Applicants must be Indian residents living in cities serviced by YES Bank’s credit card operations.

Documents Required for Yes Bank Shopping Credit Cards

The application process stays document-light, provided eligibility checks are met. YES Bank requires standard KYC and proof of income to complete verification.

• Identity proof: PAN card is mandatory. Aadhaar, passport, or voter ID may be requested as proof of identity.
• Address proof: Aadhaar, passport, or a recent utility bill showing the current residential address.
• Income proof: Latest salary slips, Form 16, or bank statements reflecting regular income. Self-employed applicants may need recent ITRs.
• Photograph: A recent photo may be required for digital or in-person verification.

How to Apply for a Yes Bank Shopping Credit Card through Urban Money

Applying for the YES Bank Shopping Credit Card through Urban Money follows a simple, guided path. The platform helps you shortlist the correct option before you proceed.

• Visit the Urban Money website and go to the credit cards section. From the bank list, select YES Bank Credit Cards.
• On the next page, apply the shopping filter to view YES Bank cards focused on shopping.
• Select the card you want, then click Apply Now.
• Enter your name, mobile number, email, and PAN, then submit the form.
• Urban Money will contact you after submission to share available offers and guide you through the following steps with YES Bank.