YES Bank Customer Care: Credit Card Complaint Number, Email and Grievance Redressal Steps (2026)
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by
Wisor
A charge on your YES Bank credit card you don't recognise. A refund that hasn't come back, rewards that never credited, or a fee that shouldn't be there. You've raised it with YES Bank customer care, and it's still open.
YES Bank has a three-level grievance process, and its complaint page lists an email and phone number for every level. Here's how to raise a YES Bank credit card complaint and escalate it, step by step.
YES Bank credit card customer care: quick contacts
What you need | Contact |
|---|---|
YES Bank credit card customer care (toll-free) | 1800 103 1212 |
From outside India (credit cards) | +91 22 5079 5101 |
YES Bank banking customer care | 1800 1200 (toll-free) or 1860 210 1200 |
YES Bank complaint email ID | yestouch@yes.bank.in |
Online complaint | YES Bank's online Query/Complaint form |
Level 2: Grievance Redressal Officer | head.grievanceredressal@yes.bank.in or 022-50795173 |
Level 3: Principal Nodal Officer | principal.nodalofficer@yes.bank.in or 022-50795174 |
Card fraud | Block the card by calling 1800 103 1212, report it through the online form (Case type: Transaction related, Issue type: Reporting of unauthorised transaction), and also on the National Cyber Crime Helpline, 1930 |
How to raise a YES Bank credit card complaint: step by step
Step 1 (Level 1): Contact YES Bank customer care
Call: 1800 103 1212 for credit cards (toll-free for mobiles and landlines in India), or +91 22 5079 5101 from outside India
Email: yestouch@yes.bank.in
Online: YES Bank's online Query/Complaint form
Branch: speak to your branch manager
YES Bank's grievance redressal policy says it normally takes up to 7 working days to respond to a complaint. Keep your complaint number; you'll need it to escalate.
Step 2 (Level 2): Escalate to the Grievance Redressal Officer
If you're not satisfied with the resolution, contact YES Bank's Grievance Redressal Officer (Head – Grievance Redressal), quoting your previous complaint number:
Email: head.grievanceredressal@yes.bank.in
Phone: 022-50795173
Post: Head – Grievance Redressal, YES BANK Limited, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai – 400055
YES Bank also publishes a list of area-wise Nodal Officers on its website.
Step 3 (Level 3): Escalate to the Principal Nodal Officer
If the resolution at Level 2 doesn't meet your expectations, write to YES Bank's Principal Nodal Officer, quoting your previous complaint number:
Email: principal.nodalofficer@yes.bank.in
Phone: 022-50795174
Post: Principal Nodal Officer, YES BANK Limited, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai – 400055
If YES Bank decides to reject your complaint fully or partly, RBI rules require its Internal Ombudsman to review it before the final reply. That happens inside the bank; you don't need to apply for it.
Step 4: Go to the RBI Ombudsman
YES Bank's complaint page says that if your grievance isn't addressed within 30 days, you can take it to the RBI Ombudsman:
Online: cms.rbi.org.in, where you can also track your complaint
Email: crpc@rbi.org.in
Help line (not for filing): 14448
Note: YES Bank's page still refers to the 2021 Ombudsman scheme. The 2026 scheme applies to complaints from 1 July 2026, so you must file within 90 days of the bank's timeline expiring or its last reply, whichever is later. It's free, and you don't need a lawyer or an agent.
If you have a YES Bank card through Kiwi
Cards like the YES Bank Klick RuPay card are issued by YES Bank and used through the Kiwi app. Issues with the card itself (charges, disputes, fraud, closure) go through YES Bank's process above. Issues with the Kiwi app, like rewards shown in the app, go to Kiwi's support first.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of the bank's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Your rights on common YES Bank credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | The bank must close it within 7 working days of your request (once dues are cleared), or pay you ₹500 a day until it's closed |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or the bank pays ₹100 for every day of delay |
Changes to charges | The bank must tell you at least 30 days before a change in charges takes effect |
How to write a YES Bank complaint that gets resolved
Your name, registered mobile number and email
The last 4 digits of your YES Bank credit card
Transaction date, amount and reference number
Every earlier complaint number, with copies of YES Bank's replies
What went wrong, and the exact fix you want ("reverse the ₹499 annual fee charged on 3 September", not "fix my bill")
Statements, SMS alerts and screenshots as proof
FAQs
What is the YES Bank credit card customer care number?
1800 103 1212, toll-free for mobiles and landlines in India. From outside India, call +91 22 5079 5101.
Is YES Bank credit card customer care toll-free?
Yes. YES Bank lists 1800 103 1212 as toll-free for credit cards. For banking queries, 1800 1200 is also toll-free.
What is the YES Bank complaint email ID?
For first-level complaints, email yestouch@yes.bank.in. To escalate, email head.grievanceredressal@yes.bank.in, then principal.nodalofficer@yes.bank.in.
What is the YES Bank Nodal Officer email ID?
YES Bank's Grievance Redressal Officer is at head.grievanceredressal@yes.bank.in (022-50795173), and its Principal Nodal Officer is at principal.nodalofficer@yes.bank.in (022-50795174).
How long does YES Bank take to respond to a complaint?
YES Bank says it normally takes up to 7 working days. If your complaint isn't addressed within 30 days, you can go to the RBI Ombudsman.
Where do I complain about my Kiwi YES Bank credit card?
Card issues go to YES Bank through the steps above, since YES Bank is the issuer. App issues go to Kiwi's support.
How long do I have to go to the RBI Ombudsman?
Within 90 days from when YES Bank's response timeline expires or from its last reply, whichever is later.
