Yes bank is a very good bank but the credit card department is not good. Iam applaying a yes bank american express credit card last 6months back. But application process is very late.The mainly customer serrvice is too poor of this bank.Iam contact several times to custoner care department they cannot respond.funally 3months after they give a credit card. But the charges is too high to compare the other credit cards.The rates and charges is too high.Iam not satisfy this credit card.Iam not recomend this card to any one.