This Bank credit Card is Scam
I have a YES Bank credit card, and I am extremely disappointed with the way the reward points redemption system is structured.
When you try to redeem your reward points, there are multiple restrictive conditions. For example, you are allowed to redeem only up to 50% of your total available reward points, while at the same time, there is a minimum redemption requirement of 2,000 points.
This creates a ridiculous situation. For instance, if a customer has 3,900 reward points, they can redeem only 50%, i.e. 1,950 points. However, since the minimum redemption requirement is 2,000 points, those 1,950 points cannot be redeemed either. In other words, the customer effectively cannot use their reward points at all.
What makes this even more frustrating is that reward points are prominently highlighted when the credit card is being offered to customers, creating the impression that these points are a genuine benefit of using the card. However, when it actually comes to redeeming them, such restrictive conditions make the benefit practically useless in many cases.
I personally have credit cards from 6–7 other banks, and I have not encountered such a restrictive redemption structure with them. This experience has therefore been extremely disappointing and feels unfair to customers.
YES Bank should seriously reconsider these redemption conditions and make the reward system more transparent, reasonable, and customer-friendly. Reward points should provide an actual benefit to customers—not become something that looks attractive at the time of card acquisition but becomes difficult or impossible to use in practice.
I hope the bank reviews this policy and takes appropriate steps to improve the customer experience.
When you try to redeem your reward points, there are multiple restrictive conditions. For example, you are allowed to redeem only up to 50% of your total available reward points, while at the same time, there is a minimum redemption requirement of 2,000 points.
This creates a ridiculous situation. For instance, if a customer has 3,900 reward points, they can redeem only 50%, i.e. 1,950 points. However, since the minimum redemption requirement is 2,000 points, those 1,950 points cannot be redeemed either. In other words, the customer effectively cannot use their reward points at all.
What makes this even more frustrating is that reward points are prominently highlighted when the credit card is being offered to customers, creating the impression that these points are a genuine benefit of using the card. However, when it actually comes to redeeming them, such restrictive conditions make the benefit practically useless in many cases.
I personally have credit cards from 6–7 other banks, and I have not encountered such a restrictive redemption structure with them. This experience has therefore been extremely disappointing and feels unfair to customers.
YES Bank should seriously reconsider these redemption conditions and make the reward system more transparent, reasonable, and customer-friendly. Reward points should provide an actual benefit to customers—not become something that looks attractive at the time of card acquisition but becomes difficult or impossible to use in practice.
I hope the bank reviews this policy and takes appropriate steps to improve the customer experience.
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VVikramsahuu
Worst user interface App and web design.
Please reduce the clutter in UI. Too many options. Please learn from USA banks and credit unions to improve and make it simple app. On top when I try to give feedback on web, it gives system error and asking to contact administration.
FFriendlyAdvice
unsupported IOS version Threat ID-70
what is the point of giving me an option to download this worthless app if i cannot even sign in into my own account just because i am using a older phone with older IOS version.. I really feel your development team is not apt enough to understand real world problems and how they are supposed to solve it.. I will not buy a new phone just because of your development team incompetence.. I do want a complete reason why my device is listed as a threat and why am i being not able to use the very service that you guys promised to provide..
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Sshashwat18
worst app I’ve ever seen
Whenever I open this app, it ask me to first turn off wifi and after turning wifi off, it sends a message and after sending the message, it shows network error. everytime I open this app, I got the same issue, I am not able to do any operation even tried to connect mobile banking that too not able to connect. getting this error for more than 4 months and honestly I try to open every single day and getting same issue.. I am really fedup of this app now. installed and uninstalled at least 100 times by now still same issue.. I don’t understand what the hell is the issue and how to fix it.
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KKuchBhiNhi
Worst bank app ever
I’m not able to access my fd details and it’s been almost 10/11 months now. New issue happened- my debit card details are no longer available. It feels like they are scamming people. The rating here is also manipulated, people giving worst comments and feedback, yet ratings are not reflective of the same.
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Rroot.tanyaa
