How to Apply for a Yes Bank Credit Card: Yes Bank offers a unique credit card with a RuPay variant that allows UPI transactions through apps like PhonePe and Google Pay. The credit card is available virtually (instantly) and can be obtained without providing income proof. In this article, we’ll walk you through the entire process of applying for the card, from filling in your basic details to completing the KYC process.
Introduction
Yes Bank recently introduced a RuPay variant credit card, which allows customers to make UPI transactions. The twist? You get this card virtually without having to provide any income proof. This card can be used for direct payments via PhonePe, Google Pay, and similar platforms.
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In this article, we’ll show you the live process of applying for a Yes Bank credit card, including all the steps you need to follow.
Step 1: Application Process
You can apply for the Yes Bank credit card through a simple, 2-4 minute process. Here’s how:
- Find the Application Link:
A link is typically provided in the video description or on the Yes Bank website.
Clicking on the link will take you directly to the credit card application page.
- Fill in Basic Information:
You’ll need to enter your PAN card number, your Aadhaar-linked mobile number, your full name (as it appears on PAN and Aadhaar), your personal email ID, and your area pin code.
Submit the form to proceed to the next page.
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Step 2: Verifying Details
- Bank Relationship:
- The application will ask if you have any prior relationship with Yes Bank.
- Select yes or no depending on your situation.
- Politically Exposed Person (PEP) Status:
- You’ll be asked if you are a politically exposed person. Simply mark the relevant checkboxes as per your status.
- Mobile OTP Verification:
- An OTP will be sent to the mobile number linked with your Aadhaar card.
- Enter the OTP and click on save and continue.
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Step 3: Personal and Employment Details
- Enter Personal Information:
- Input your date of birth, gender, and residential address (with pin code and city).
- Accept the terms and conditions, and save your details to continue.
- Employment Details:
- You will be asked to provide your employment information, including your occupation (salaried, self-employed, etc.).
- If you are employed, enter the name of the company where you work and your office address. If self-employed, enter your business name and office details.
- No Income Proof Option:
- For salaried individuals, the No Income Document option is available.
- If you are self-employed, you may be asked to provide your ITR, but this is not mandatory if you choose to proceed without income proof.
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Step 4: Card Offers and Selections
Once you’ve filled in the required details, Yes Bank offers you their Yes Prosperity Business Credit Card. In addition, you will be given the option to receive a RuPay variant card for UPI transactions. You can choose to accept this virtual card or proceed without it.
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Step 5: Finalizing the Application
- Additional Personal Information:
- Enter the name you want to appear on the credit card.
- Provide details such as marital status, father’s name, alternate mobile number, and personal email ID.
- Business/Occupation Details:
- You’ll need to enter additional employment details such as your designation and, if applicable, a landline number for your business or workplace.
- Nominee Details:
- Enter the details of a nominee for the credit card, including your relationship to them.
Step 6: Aadhaar Verification and KYC
- Aadhaar Card Verification:
- Enter your Aadhaar card number, and an OTP will be sent to your Aadhaar-linked mobile number.
- Submit the OTP to verify your identity.
- Video KYC:
- You will be directed to complete your KYC via a video call.
- A Yes Bank agent will ask for your name, photo, and address verification. They will also verify your PAN card and take your signature on a blank white paper with a blue pen.
- Completion of KYC:
- Once the video KYC is completed, the process is almost complete. Your credit card will be dispatched within 5-7 days, and you will also be informed about the credit limit during this time.
The Yes Bank credit card process is simple, fast, and doesn’t require income proof. You can apply within minutes and receive your virtual card instantly. If you’re interested, don’t forget to like the video and subscribe for more updates.