After using Yes bank credit card now I felt they have started applying false charges and change their policies to trap customer and extract money. I even raised my concern to their Nodal officer, but looks like all are in same page to cheat customers. There are many other credit cards available in market, we can check before applying for a yes bank card. Looks like they have decided to recover their bad loans from retail customers. One of the fraud bank and be careful before applying any service from them