After applying for a YES Bank credit card [/blog/yes-bank-credit-cards/], the bank sends you a 13-digit reference number via SMS to your registered mobile number. This number is your key to tracking the application at every stage, from submission to approval to physical card delivery.
Here is how to check your YES Bank credit card application status using every available method, what each status means, and what to do if there are delays.
Method 1- Check Status Online (YES Bank Website)
This is the fastest way to get an update on your application.
Step 1: Go to the YES Bank credit card application tracking page on the official YES Bank website.
Step 2: Enter your 13-digit reference number. This is the number sent to your registered mobile number via SMS after you submitted your application.
Step 3: Enter your date of birth for verification.
Step 4: Click Submit. Your current application status will be displayed on screen, showing which stage the application has reached.
The online tracker is available 24/7 and typically updates within 24-48 hours of each stage change.
Method 2- Check Status via Customer Care (Phone)
If you prefer speaking to someone or if the online tracker is not showing updated information, you can call YES Bank’s dedicated credit card helpline.
Toll-free numbers:
– 1800-103-1212 (toll-free for mobile and landline within India)
– 1800-1200 (alternate toll-free number)
– +91 22 4935 0000 (for NRI applicants calling from outside India)
IVR navigation: After connecting, press 9 for application status and pending deliverables. Have your reference number ready; the representative will ask for it to pull up your application.
The customer care line is available 24/7. During peak hours, you may experience wait times before connecting to an agent.
Method 3- Check Status via SMS
YES Bank also supports status checks through SMS from your registered mobile number. Send the required SMS format to the bank’s designated number as per the instructions included in your application confirmation message.
This method is useful when you do not have internet access. The response is typically delivered within a few minutes.
Method 4- Track Card Delivery (AWB Number)
Once your application is approved and the physical card is dispatched, YES Bank sends a separate SMS with the Air Waybill (AWB) number. This is a courier tracking number that lets you monitor the delivery status of your card.
1: Go to the YES Bank website and look for the Track Your Credit Card option.
2: Enter your AWB number from the dispatch SMS.
3: The tracker will show the current location and estimated delivery date of your physical card.
Physical cards are typically delivered within 7 to 10 working days after dispatch, depending on your location. Metro cities usually receive cards faster than smaller towns.
Application Status Meanings Explained
When you check your status, you will see one of the following stages. Here is what each one means and what action to take.
| Status | What It Means | What You Should Do |
| Application Received | Your application form has been submitted and is in the system. | No action needed. Wait for the bank to process it. |
| Under Review | YES Bank is verifying your documents, income proof, and credit history. | Be available on your registered mobile for any verification calls. |
| Additional Documents Required | The bank needs more documentation to process your application. | Check your email and SMS for specific document requests. Submit promptly. |
| Approved | Your credit card has been approved. Card production has started. | Wait for dispatch. Some cards issue an instant virtual card at this stage. |
| Dispatched | Your physical card has been shipped via courier. | Use the AWB number to track delivery. |
| Delivered | The card has been delivered to your registered address. | Activate the card via the iris app, net banking, or customer care. |
| On Hold | The application is paused due to pending information or internal review. | Contact customer care at 1800-103-1212 to clarify what is needed. |
| Rejected | Your application has been declined. | See the rejection reasons section below. Wait 3-6 months before reapplying. |
How Long Does Approval Take?
The processing time depends on the card variant and the completeness of your documentation.
Standard applications (via YES Bank website): 7 to 21 working days from submission to approval. Document verification, employment confirmation, and credit checks are the main steps that take time.
Applications via Kiwi app: The Klick card through Kiwi often provides an instant virtual card upon completing video KYC. The physical card is dispatched separately and arrives within 7-10 working days.
Premium cards (MARQUÉE, RESERV, Private): May take longer due to higher verification thresholds and income confirmation requirements.
If your application has been under review for more than 3 weeks with no update, contact customer care to check if any additional information is needed.
What to Do If Your Application Is Rejected
A rejection does not mean you can never get a YES Bank credit card. Here are the most common reasons and what you can do about them.
Low CIBIL score. If your score is below 700, focus on improving it by paying existing EMIs and credit card bills on time, reducing credit utilisation, and avoiding new credit enquiries for a few months.
Income below the requirement. You may have applied for a card above your income tier. Check the card-wise income requirements in our YES Bank credit card eligibility guide [/blog/yes-bank-credit-card-apply/] and apply for a card that matches your current income.
Too many recent credit enquiries. Each credit card or loan application creates a hard enquiry on your report. Multiple enquiries in a short period signal risk. Wait 3 to 6 months before applying again.
Incomplete documentation. Ensure all documents are current, clearly legible, and match the information in your application form.
Alternative route: If your credit score is low, consider applying for the YES Bank Prosperity Rewards Plus card, which is issued against a fixed deposit of ₹50,000 or more. This secured card helps build credit history for future applications.
For Kiwi App Users- Checking Status
If you applied for the YES Bank Klick card through the Kiwi app, your application status is tracked directly within the app.
After completing video KYC, the virtual card is typically issued instantly, which means you do not need to wait for physical delivery to start using the card. You can link the virtual card to UPI apps immediately and begin making payments.
The physical card, if applicable, is dispatched separately and can be tracked through the Kiwi app or via the AWB number sent by SMS.
Frequently Asked Questions
Visit the YES Bank website and use the application tracking tool with your 13-digit reference number and date of birth. You can also call 1800-103-1212 for a phone-based status check.
Standard applications take 7 to 21 working days. Kiwi app applications can result in instant virtual card issuance. Premium card applications may take longer.
Call 1800-103-1212 (toll-free) or 1800-1200. For NRI applicants: +91 22 4935 0000. Available 24/7.
Once dispatched, you receive an AWB (Air Waybill) number via SMS. Enter this on the YES Bank website under Track Your Credit Card to see the courier status and estimated delivery date.
Yes, for certain cards. The Klick card via Kiwi issues an instant virtual card upon approval. Some other YES Bank variants may also offer virtual cards at the approval stage, which can be used for online transactions and UPI payments.
Wait at least 3 to 6 months before submitting a new application. Use this time to improve your credit score, clear outstanding debts, and ensure your income documentation is current.
Haven’t applied yet? Check your eligibility for the lifetime-free YES Bank Klick card through Kiwi, an instant virtual card on approval. Check eligibility → Yes Bank Credit Card
