WELCOME TO

THE WORLD OF SELECT

Enjoy Accelerated Rewards

EXPERIENCE
GUIDE
Dear Valued Customer,

We welcome you to the SELECT Credit Card Program!

At YES BANK, it is our continuous endeavour to provide you

with innovative financial solutions to meet all your banking
needs while offering you a Consistent & Superior Service
Experience. We aspire to be your partner in your financial
growth by offering you a host of personalised products and
services.

Through our premium SELECT Credit Card program, we are

pleased to bring to you a world of privileges presented
through highly secure technology, best-in-class partnerships
& alliances, attractive interest rates and above all, an
unstinted commitment to serve you better, always.

This Experience Guide will assist you in familiarising yourself

with the features and benefits that your SELECT Credit Card
offers. We thank you for banking with YES BANK and assure
you of our best services at all times.

Sincerely,
YES BANK

02
CONTENTS
SELECT Credit Card
Primary Benefits 04

Additional Benefits 11

Card Usage And

How To Use Your CHIP + PIN Card 13

Paying Your Credit Card Bill

and get a First 14

03
Rewards Program
Earn more with every transaction
8 YES Rewardz points on every 4 YES Rewardz points for every
INR 200 for Online Shopping INR 200 for Offline Spends
(except on Select Categories)** (except on Select Categories)

YES Rewardz 2 YES Rewardz points for every INR 200 on

points Accrual1 Select Categories2

1
YES Rewardz points will not be awarded for Fuel transactions, Cash withdrawals and transactions converted into EMI.
2
Select categories include Rental payments, Wallet loading, Recharge & Utility bill payments, Insurance,
Education and Government payments. For more information, please visit
https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards.
Select was earlier known as YES Prosperity Edge.
#
Purchase Protection - Insurance cover against accidental damage for 6 months for mobile & electronic devices purchased
online. Terms and Conditions apply. The above features are subject to change.
**
Maximum cap of 5000 YES Rewardz points per statement cycle.P#urchase Protection - Insurance cover against accidental
damage for 6 months for mobile & electronic devices purchased online. Terms and Conditions apply. The above features are
subject to change.
**
Maximum cap of 5000 YES Rewardz points per statement cycle.

04
 Redeem your YES Rewardz points across a wide selection of
handpicked items or simply book your favourite flight,
hotel or movie tickets at www.yesrewardz.com/
creditcard or contact our dedicated
YES Rewardz YES Rewardz Desk at: 1800 419 0600
points Redemption (Available between 9 am to 9 pm, all days of the week).

Exciting Gifts and Vouchers from handpicked

Rewards Catalogue
Booking of Flight Tickets across major airlines
Your redemption Hotel Bookings across major hotel chains around the world
options include:
Air Miles at select Airline partners

• YES Rewardz points will not be awarded for Fuel transactions, Cash withdrawals and transactions converted into EMI.
• Select categories include Rental payments, Wallet loading, Recharge & Utility bill payments, Insurance,
Education and Government payments. For more information, please visit
https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards.
• For credit cards issued against fixed deposit, the interest rate on revolving credit will be 2.49% p.m.
ELITE was earlier known as YES Premia
The above features are subject to change. **Maximum cap of 12000 YES Rewardz points per statement cycle.

05
Interest Rates &
Foreign Currency Markup
Interest Rate
Interest Rate of 3.80% per month (45.60% annually)

Foreign Currency Markup

Attractive Foreign Currency markup of 2.75% on all international transactions

06
Domestic & International
Lounge Program
Lounge Program*
1 complimentary Domestic Airport lounge visit per calendar quarter for
Primary Cardmember. Complimentary lounge access for Primary cardmember only.

*Post exhaustion of complimentary lounge access quota, applicable charges + taxes apply on lounge access at Airport for
cardmember(s) and for each guest visit will be billed in Indian Rupees to the card account and will reflect in the monthly card
statement.
For complete list of lounges, please visit www.prioritypass.com
#The list of lounges may be changed without any prior intimation to Cardmembers. Please visit ww.yesbank.in for Domestic
Lounge Program Terms & Conditions and latest list of participating lounges.

07
Golf Programme
Enjoy waiver of Enjoy complimentary
Green Fee at select Golf Lessons at
golf courses* in India select golf courses* in India

For cards issued on Mastercard,

please contact Mastercard Golf Concierge on 1800 102 6263 for bookings.

For cards issued on VISA,

please visit https://teepassindia.thriwe.com/ to register self for bookings.

*Terms & Conditions apply. Please visit www.yesbank.in for Terms & Conditions. The list of golf courses may be changed by
Mastercard or VISA at their sole discretion and without prior notice, to YES BANK or its Card members.

08
Contactless
Card Technology
The SELECT Credit Card is enabled with contactless technology, facilitating fast,
convenient and secure payments at retail outlets. You can use your card to make
quick transactions at merchant locations accepting contactless cards.

There is no need to enter The card never leaves your

your card PIN. The card needs hand, thereby reducing the
to be touched or kept near risk of card loss or counterfeit
the reader*

Payments are supported by For merchants not accepting

state-of-the-art multi-level contactless transactions,
security protections, CHIP & PIN transactions
which safeguard your work seamlessly
card transactions

*Please note that the requirement for PIN entry on the POS terminal, at the merchant outlet, is a function of country-specific
regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit. Currently in India,
the permissible limit is `5,000. To know more, please visit www.yesbank.in

9
Offers & Privileges
Offers on your Card
Indulge in a host of offers across categories like shopping, dining, travel,
leisure & wellness. Please visit www.yesbank.in/offers for latest offers
on your card.

Cash at your Fingertips

In a situation where you need cash, just step into any one of our ATMs,
or member ATMs, and withdraw cash up to 30% of your credit limit
at a very nominal charge (please refer to the ‘Most Important Terms and
Conditions’ document available on the E - Welcome kit section,
on the YES BANK Credit Card pages).

10
Additional Benefits
Purchase Protection
Insurance cover against accidental damage for 6 months on mobile
Card member & electronic devices purchased online. Terms & Conditions apply.

Fuel Surcharge Waiver*

Enjoy fuel surcharge waiver at all fuel stations across India, for
transactions between INR 400 to INR 5,000.

Add-On Cards
Being a Primary YES BANK Credit Card member, you can avail up to
3 add-on YES BANK Credit Cards for your spouse, parents, siblings,
son and/or daughter (over 18 years).

Zero Lost Card Liability

Simply call us at our 24x7 YES TOUCH Customer Care Number and
report the loss of your Credit Card. We will immediately block your card
and deliver a new card. Any fraudulent transactions after reporting the
loss will be covered. Kindly make sure to file an FIR for the lost /stolen
card at the nearest police station and send us the acknowledgement
copy, along with a written confirmation. If you happen to recover the
card after having reported it as lost/stolen, please do not use it. Cut it
into 4 pieces, at least once through the magnetic strip and CHIP,
and return it to us with a covering letter.

*Total waiver in a statement cycle is capped at `250.

11
Insurance Coverage
Credit Shield
The outstanding amount on your SELECT Credit Card
is covered to an extent of INR 3Lakhs, in case of accidental
death of Primary Card member.

*Please visit www.yesbank.in for detailed Terms & Conditions on Insurance Cover.

12
Card Usage
Credit Shield
Before signing or using your card, please make sure that you read the
'Card member Agreement’ document available on the E-Welcome kit section
on the YES BANK Credit Card pages. This will help you understand your
card better and make the best use of it. Please refer to the YES BANK
website for more details
This card is for your use only. Do not surrender your card to anyone even if they
claim to represent the Bank
You can choose to set up your own PIN by using YES BANK NetBanking or
iris by YES BANK (Mobile App)
Do not disclose your Personal Identification Number (PIN) to anyone
Always carry the telephone number of our 24x7 YES TOUCH Customer Care
Number in case of an emergency

HOW TO USE YOUR CHIP + PIN CARD

Point of Sale Transaction
The CHIP & PIN card come to you with greater security.

1 3
The merchant will The Point
insert your card at a of Sale
CHIP & PIN enabled terminal will
Point of prompt
Sale terminal you for a PIN

2 4
Enter your correct
The merchant will 4-digit Credit Card
enter the transaction PIN and pull out the
amount to be paid card once the
by you transaction is
complete

13
Paying Your Credit Card Bill
For YES BANK Account Holders:
YES ONLINE (NetBanking): Register yourself for the NetBanking facility and make
Credit Card payments online
iris by YES BANK (Mobile App): Pay through YES Bank Savings Account
Standing Instructions: 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, quoting 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 at 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 & Conditions for charges
applicable for cash payments

For more guidelines, please visit www.yesbank.in

The product features are subject to change. Please visit www.yesbank.in for more guidelines and
details about latest features on your card.

*Currently available only on android devices

CONTACT US

YES TOUCH 1800 103 1212 +91 22 4935 0000

(Toll Free for Mobile & Landlines in India) (When calling from Outside India)
24x7
Customer Care Email us at Log on to our website
[email protected] www.yesbank.in

YES Rewardz For any queries on your YES Rewardz points Redemption,
Desk please contact our dedicated YES Rewardz Desk at
1800 419 0600 (Between 9 am to 9 pm, all days of the week).

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