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How To Close or Cancel Yes Bank Credit Card?

By Mayashree Acharya

|

Updated on: Feb 25th, 2025

|

3 min read

Yes Bank is one of India's leading financial institutions, offering a wide range of services, including credit cards with attractive benefits. However, there may come a time when you need to close your Yes Bank credit card—whether due to high fees, better alternatives, financial discipline, or reduced dependency on credit.

Yes Bank provides a hassle-free credit card cancellation process, both online and offline. This guide will walk you through how to cancel a Yes Bank credit card, the steps to follow, things to consider before cancellation, and how it impacts your credit score.

How to Close Yes Bank Credit Card Online?

Yes Bank offers multiple online methods for credit card closure, ensuring a quick and seamless process. You can cancel your credit card using:

  • Yes Bank Website
  • Net Banking
  • Mobile Banking App
  • Email Request

1. Close Yes Bank Credit Card via Website

  • Visit the Yes Bank credit card closure page.
  • Fill out the necessary details and click on ‘Send OTP’.
  • Enter the OTP received on your registered mobile number and submit the request.

2. Close Yes Bank Credit Card via Net Banking

  • Log in to Yes Bank Net Banking.
  • Select ‘Credit Card’ > ‘Service Request’ > ‘Card Closure Request’.
  • Provide the required details and confirm your request.

3. Close Yes Bank Credit Card via Mobile Banking App

  • Download and log in to the Yes Bank IRIS Mobile App.
  • Go to ‘Cards’ > ‘Manage’ > ‘Service Request’ > ‘Card Closure Request’.
  • Enter the required details and submit.

4. Close Yes Bank Credit Card via Email

You can also request cancellation by sending an email to yestouchcc@yesbank.in. Make sure to mention your credit card details, account information, and reason for closure. The bank will verify and process your request.

How to Close Yes Bank Credit Card Offline?

If you prefer an in-person or direct approach, Yes Bank allows you to cancel your credit card through:

1. Visit the Nearest Yes Bank Branch

  • Collect the Credit Card Cancellation Form.
  • Fill out the form and submit it along with your credit card (cut diagonally).
  • The bank will verify your request and initiate the closure.

2. Call Yes Bank Customer Care

  • For Indian Customers: 1800 103 6000
  • For International Customers: +91 22 4935 0000

Request credit card cancellation over the phone after verification.

Important Things to Remember Before Closing Yes Bank Credit Card

Before initiating a Yes Bank credit card cancellation, ensure you complete these essential steps:

1. Clear Outstanding Dues

Any unpaid balance on your card must be cleared before requesting closure. If you fail to do so, Yes Bank will reject your request.

2. Redeem Your Reward Points

Unused reward points will expire once you cancel your credit card. Redeem them before submitting your request.

3. Cancel Automatic Payments & Subscriptions

If your credit card is linked to EMIs, utility bill payments, OTT subscriptions, or other auto-debits, make sure to update payment methods to avoid disruptions.

4. Cut the Credit Card

Once your cancellation request is approved, cut your card diagonally across the magnetic stripe and chip before disposal.

Impact of Cancelling Yes Bank Credit Card on Credit Score

Closing a credit card affects your credit score in multiple ways:

  1. Reduced Credit History Length – Older credit cards contribute to your credit age, so closing them may lower your creditworthiness.
  2. Higher Credit Utilization Ratio – If you cancel a card with a high credit limit, your available credit reduces, increasing your credit utilization ratio, which may negatively affect your score.
  3. Temporary Drop in Credit Score – Expect a short-term drop in your credit score, which will recover over time with responsible credit usage.

How to Reactivate a Closed Yes Bank Credit Card?

If you change your mind after closing your Yes Bank credit card, you can reactivate it through:

  • Email Request – Send a reactivation request to yestouchcc@yesbank.in.
  • Customer Care – Call 1800 103 6000 (India) or +91 22 4935 0000 (International).
  • Visit Yes Bank Branch – Request the reactivation of your closed credit card in person.

Final Thoughts

If you’ve decided to cancel your Yes Bank credit card, you can do so conveniently via online, offline, or customer care methods. However, consider the impact on your credit score, reward points, and auto-payments before proceeding.

For a smooth cancellation process, ensure all dues are cleared, rewards redeemed, and alternative payment methods updated. If required, you can always reactivate your Yes Bank credit card later.

Other Articles:
1. How to Close ICICI Credit Card?
2. How to Close Axis Bank Credit Cards?
3. How To Close HDFC Credit Card?
4. How To Close SBI Credit Card?
5. How To Close Kotak Credit Card?
Other Yes Bank Articles:
1. Yes Bank Mobile Banking
2. Yes Bank FD Calculator

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Frequently Asked Questions

How can I close my Yes Bank account with a negative balance?

There might be issues in closing a Yes Bank account with a negative balance. Therefore, to avoid unnecessary discrepancies, you need to ensure you have made appropriate deposits to make your bank account reach a zero balance. Then you can proceed with the usual process of closing your Yes Bank account as per the basic rules.

How do I permanently block my Yes Bank credit card?

You can permanently block your Yes Bank credit card by visiting your nearest Yes Bank branch. You can also block your Yes Bank credit card by logging into net banking and selecting to close your credit card permanently. You can also initiate the process by contacting them at their customer care number.

How can I cancel my Yes Bank credit card online?

You can cancel your Yes Bank credit card online through the bank’s website, net banking, mobile banking app, or by sending an email to yestouchcc@yesbank.in. Simply log in, navigate to the ‘Card Closure Request’ section, fill out the required details, and submit your request.

Will closing my Yes Bank credit card affect my credit score?

Yes, closing a credit card can impact your credit score, as it reduces your credit history length and increases your credit utilization ratio. If the closed card had a high credit limit, your overall available credit decreases, which may cause a temporary drop in your credit score.

What happens to my reward points if I close my Yes Bank credit card?

Before canceling your Yes Bank credit card, ensure you redeem all your reward points. Once the card is closed, any unused reward points will expire and cannot be recovered.

Can I reopen a Yes Bank credit card after closing it?

Yes, Yes Bank allows you to reactivate a closed credit card by contacting customer care at 1800 103 6000 (India) / +91 22 4935 0000 (International) or by sending an email to yestouchcc@yesbank.in. However, reactivation is subject to the bank’s approval.

How long does it take to close a Yes Bank credit card?

Once you submit a credit card closure request, Yes Bank typically processes it within 7–10 working days. You will receive a confirmation once the request is completed. Ensure you clear all outstanding dues and cancel any auto-debit instructions before initiating the closure.

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About the Author
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Mayashree Acharya

Senior Content Writer
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I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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