WELCOME TO THE WORLD OF YES PROSPERITY!

Transcription

1 WELCOME TO THE WORLD OF YES PROSPERITY! /21 RAMESH M BHAT EXPERIENCE GUIDE V 1.1 Cover page

2 Dear Valued Customer, I am delighted to welcome you to YES Prosperity Credit Card Programme! 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 YES Prosperity Credit Card programme, we are pleased to bring to you a world of privileges presented through a 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 YES Prosperity Edge Credit Card offers. We thank you for banking with YES BANK and assure you of our best services at all times. YES FOR YOU! Sincerely, Rana Kapoor Managing Director & CEO

3 CONTENTS YES Prosperity Edge Credit Card Primary Benefits 04 Additional Benefits 11 Card Usage 13 How To Use Your CHIP + PIN Card 13 Paying Your Credit Card Bill 14

4 WELCOME & ANNUAL BENEFITS Welcome Benefit* Avail 1,500 Reward Points on spends of `7,500/- within 30 days of card set-up date. Annual Benefit** Avail 15,000 Bonus Reward Points on annual spends of `6 Lakhs or more, every anniversary year. *Valid only on retail spends, not applicable on Cash withdrawal and upgraded Credit Cards. **Anniversary year is defined as 12 months from the date of card set-up or date of renewal. 04

5 REWARDS PROGRAMME Earn more with every transaction Reward Points Accrual 6 Reward Points per `100 on spends * on your Birthday 5 Reward Points per `100 on International transactions (POS or Online) 4 Reward Points per `100 on Online transactions 3 Reward Points per `100 on all other retail spends * 500 Reward Points on each YES PayNow registration # Reward Points Redemption Redeem your Reward Points across a wide selection of handpicked items or simply book your favourite flight, hotel or movie tickets at creditcard or contact our dedicated YES Rewardz Desk at: (Available between 9 am to 9 pm, all days of the week). Your redemption options include: Exciting gifts and vouchers from handpicked Rewards Catalogue Booking of flight tickets across 260+ airlines Booking of stay across 6 lakh+ hotels around the world Booking of movie tickets across 865+ screens Air Miles at select Airline partners * Not applicable on fuel transactions. # Applicable only on Standing Instruction based registration for Utility Bill pay, not applicable for register and pay or ad hoc payments. 05

6 ATTRACTIVE INTEREST RATES & FOREIGN CURRENCY MARKUP Interest Rate Interest Rate of 2.99% per month* (35.88% annually) on revolving credit for Cardmembers who have YES BANK Salary or Savings Account relationship Interest Rate of 3.22% per month (38.64% annually) on revolving credit for Cardmembers who do not have YES BANK Salary or Savings Account relationship Foreign Currency Markup Attractive Foreign Currency markup of 3.0% on all international transactions. *Cardmember will be eligible for preferential interest rate on revolving credit if he/she opens a Savings/ Salary Account with YES BANK, along with the YES BANK Credit Card application or on a future date. The preferential interest rate will be effective on the Credit Card Account 45 days from the Salary/Savings Account opening date. 06

7 PRIORITY PASS & LOUNGE ACCESS Priority Pass Membership* Avail Priority Pass Membership worth US $99, at no additional charges Access the airport lounges at a fee of US $27 per person per visit MasterCard Lounge Programme # Enjoy 2 complimentary access per quarter to more than 30 lounges across Indian Airports for Primary Cardmembers. *Priority Pass membership is only applicable to Primary Cardmember. To apply for your Priority Pass membership, please fill the Priority Pass Application form enclosed with the welcome kit and send it to us. For the list of lounges, please visit # The list of lounges may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Please visit for MasterCard Lounge Programme Terms & Conditions and latest list of lounges. 07

8 MASTERCARD GOLF PROGRAMME Enjoy waiver of Green Fee at select golf courses * in India Enjoy complimentary Golf Lessons at select golf courses * in India For bookings, please contact MasterCard Golf Concierge on *Terms & Conditions apply. Please visit for Terms & Conditions. The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. 08

9 CONTACTLESS CARD TECHNOLOGY YES Prosperity Edge 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 your card PIN. The card needs to be touched or kept near the reader* The card never leaves your hand, thereby reducing the risk of card loss or counterfeit Payments are supported by state-of-the-art multi-level security protections, which safeguard your card transactions For merchants not accepting contactless transactions, CHIP & PIN transactions work seamlessly *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 `2,000. To know more, please visit 09

10 OFFERS & PRIVILEGES Offers on your Card Indulge in a host of Offers across categories like shopping, dining, travel, leisure & wellness. Please visit 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 booklet present in your welcome kit). 10

11 ADDITIONAL BENEFITS MasterCard World Privileges Indulge in a host of exclusive MasterCard World Offers that provide you a truly rewarding experience. Please visit MasterCard India website for ongoing Offers. Fuel Surcharge Waiver* Enjoy fuel surcharge waiver at all fuel stations across India, for transactions between `400 to `5,000. Add-On Cards Being a Primary YES BANK Credit Cardmember, 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 `

12 INSURANCE COVERAGE We understand your need for financial security and therefore provide you with Comprehensive Insurance Cover. Accidental Death `50 Lakhs Air Accidental Cover in case of death due to flight accidents (Applicable only when the flight ticket is booked with your card). Emergency Hospitalisation Protection of up to `15 Lakhs against any medical emergency while travelling overseas (Applicable only when the flight ticket is booked with your card). Credit Shield The outstanding amount on your YES Prosperity Edge Credit Card is covered to an extent of `2.5 Lakhs in case of accidental death of Primary Cardmember. *Please visit for detailed Terms & Conditions on Insurance Cover. 12

13 CARD USAGE Before signing or using your card, please make sure that you read the 'Cardmember Agreement enclosed with the welcome kit. 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 Do not disclose your Personal Identification Number (PIN) to anyone Once you receive your PIN through mail, memorise it and destroy it as soon as possible You can also choose to set up your own PIN by using YES BANK NetBanking 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 comes to you with greater security. 1 The merchant will insert your card at a CHIP & PIN enabled Point of Sale terminal The Point of Sale terminal will prompt you for a PIN 3 2 The merchant will enter the transaction amount to be paid by you /21 H M BHAT /21 RAMESH M BHAT 4 Enter your correct 4-digit Credit Card PIN and pull out the card once the transaction is complete 13

14 PAYING YOUR CREDIT CARD BILL For YES BANK Account Holders: NetBanking: Register yourself for the YES BANK NetBanking facility and make Credit Card payments online ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM 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 do mention your name and mobile number on the back of the cheque NetBanking: Make payment through any bank NetBanking account using BillDesk facility at 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 YES MOBILE App: Pay through your YES BANK Savings Account or any other Bank Account YES PAY App: Pay your Credit Card bill with your YES BANK Savings Account or any other Bank Account using UPI For more guidelines, please visit The product features are subject to change. Please visit for more guidelines and details about latest features on your card. 14

15 CONTACT US (Toll Free for Mobile & Landlines in India) (When calling from Outside India) Log on to our website us at YES Rewardz Desk For any queries on your Reward Points Redemption, please contact our dedicated YES Rewardz Desk at (between 9 am to 9 pm, all days of the week) 15

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