New Loyalty Program

Key Tenets of Loyalty Program

Scope • Individual SA (incl. GIB) & CA, Sole Proprietorship customers

Rewards
• 2x reward points in first 90 days (NTB) for select rules compared to 90+ days (ETB)
Differentiation

• Tiering basis program

• Yes First customer gets 3X points, Yes Premia 2X, Yes Prosperity X points for the same activity
Tiering
• Customers need to maintain a minimum AMB of 10K to be eligible (provisional points given for the month)
• Minimum threshold for each activity, wherever applicable

• Yes Prosperity women customers to earn 1.5X rewards on DC transactions, Payments/purchases

Customization
and booking FD/RD digitally

Registration • Through Yesrewardz portal

• On Yesrewardz, In store
Redemption
• Multiple avenues of redemption
Portfolio Objectives

 Enable acquisition of new customers

 Faster Account activation
NTB
 Drive digital channel activation and hooks penetration
 2nd Product Xsell

 Wealth management and Retail Assets Xsell

 Promote Family Banking and be the primary banker of the customer
 Provide an avenue for customer referrals (in pipeline)
ETB
 Induce repeat usage behavior
 Drive digital usage and hooks penetration
 Increase in our customer wallet share

• Loyalty helps in building long-term relationship with the customer thereby increasing the lifetime value
Rewards Structure – Yes First
NTB/ETB
Rule Frequency Level YF1 YF2 YFB1 YFB2
Applicability
NTB Account Opening Once in a lifetime Account 1500 1500 1500 1500
NTB = 2*ETB Add first beneficiary and do one Fund Transfer (via RNB,MB) Once in a lifetime Customer 3000 3000 3000 3000

Bill Pay and Recharges (Utility bills through Bill pay module), Monthly and per
NTB = 2*ETB Customer 300 300 300 300
CC Bill pay(Bill pay module), LI(Bill pay module)(Max 5) Biller

Monthly and per

NTB = 2*ETB Other Recurring Payments(SI,SIP, ECS/NACH) (max 5) Customer 450 450 450 450
Biller

NTB=ETB DC Activation and 1st Txn (POS/eCom) in 30 days Per Event Customer 250 250 250 250
NTB=ETB DC - 5 Txn in first 30 days Per Event Customer 250 250 250 250
1. DC-Spends (per Rs 200) 3, 3, 3, 3,
NTB=ETB Per Event Customer
2. DC-International Spends (per Rs 200) 4 4 4 4
Other Payments/Purchases (max 300 points can be accrued in
NTB=ETB Per Event Customer 15 15 15 15
a month) (excl Self-transfer)
Min 1 Transaction only through YBL ATM and not through
NTB=ETB Monthly Customer 60 60 60 60
non-YBL ATM in the month
Cash deposit through YBL cash deposit Machines and none
NTB=ETB Monthly Customer 60 60 60 60
through non-YBL cash deposit machine
• Points in the table above are for NTB customers
Note • Minimum thresholds applicable in select rules
• YFB1/2 includes Individual and Sole Proprietorship customers only
• DC rules are dependent on corresponding DC types irrespective of the program
Rewards Structure – Yes First
NTB/ETB
Rule Frequency Level YF1 YF2 YFB1 YFB2
Applicability
NTB=ETB LRS Transaction in INR Per Event Customer 3000 3000 - -
NTB=ETB Inward remittance or Credit into account (in INR) Once in a month Customer 750 750 750 750
NTB=ETB FD/RD Aggregated Monthly Customer 750 750 750 750
NTB=ETB MFOnline and 1st Txn Once in lifetime Customer 1500 1500 - -
NTB=ETB Family Banking (max 4) Per Account Customer 1500 - - -
NTB=ETB Locker Once in lifetime Customer 1500 1500 1500 1500

NTB=ETB Retail Assets (max 3)(PL,BL,AL,HL,LAP,LAS,GL) Per Asset Customer 3000 3000 3000 3000

NTB=ETB Avg Monthly Group NRV / AMB Monthly Group 1000 1000 - -
NTB Account opening with Limited KYC Once in lifetime Customer 250 250 250 250
NTB=ETB YES MSME login and 1st Txn Once in lifetime Customer - - 500 500
NTB=ETB EXIM Txn Monthly Customer 1500 1500

• Points in the table above are for NTB customers

• Minimum thresholds applicable in select rules
Note • YFB1/2 includes Individual and Sole Proprietorship customers only
• DC rules are dependent on corresponding DC types irrespective of the program
 As a Yes First customer, earn higher (3X) reward points

Reward Points for New Customers (in initial 90 days)

Joining Bonus on Account Opening and Adding a

4500 beneficiary for first fund transfer

300 On every new bill payment (utility bills)

For other recurring payments (SI,ECS,SIP)

450

15
For ad-hoc payments (maximum accrual 300
points monthly) 1500 Reward Points post 90 days

150 On every biller

• Opening a • Registering and
3 On every Rs 200 spent via Debit Card Locker transacting on For other recurring payments (
• Opening a MFOnline 225 SI,ECS,SIP)

Additional reward points on :Bill payments, Family Account

2X Recurring Payments in initial 90 days
For ad-hoc payments
15 (maximum accrual 300 points

Up to 20000 Reward Points in the first 90 750 3000 monthly)

On every Rs 200 spent via
days of account opening 3 Debit Card
FD/RD Loans*

Phone: 1800 1200 Redeem your points against shopping vouchers, in-store
purchases, recharges . Visit https://www.yesrewardz.com/ for
Email: yestouch@yesbank.in details

1. Customers need to maintain a minimum AMB of Rs.10,000 to be eligible for reward points
2. Suitable thresholds have been defined in rules
Terms & Conditions
3. 1 Reward Point = Re 0.25
* Loans include Auto Loan, Personal Loan, LAP, LAS , Home Loan, Gold Loan
Rewards Structure – Yes Premia
NTB/ETB
Rule Frequency Level YPR1 YPR2
Applicability
NTB Account Opening Once in a lifetime Account 1000 1000
Add first beneficiary and do one Fund Transfer (via
NTB = 2*ETB Once in a lifetime Customer 2000 2000
RNB,MB)
Bill Pay and Recharges (Utility bills through Bill pay
NTB = 2*ETB module), CC Bill pay(Bill pay module), LI(Bill pay Monthly and per Biller Customer 200 200
module)(Max 5)
NTB = 2*ETB Other Recurring Payments(SI,SIP, ECS/NACH) (max 5) Monthly and per Biller Customer 300 300
NTB=ETB DC Activation and 1st Txn (POS/eCom) in 30 days Per Event Customer 250 250
NTB=ETB DC - 5 Txn in first 30 days Per Event Customer 250 250
1. DC-Spends (per Rs 200) 2, 2,
NTB=ETB Per Event Customer
2. DC-International Spends (per Rs 200) 4 4
Other Payments/Purchases (max 300 points can be
NTB=ETB Per Event Customer 10 10
accrued in a month) (excl Self-transfer)
Min 1 Transaction only through YBL ATM and not
NTB=ETB Monthly Customer 40 40
through non-YBL ATM in the month
Cash deposit through YBL cash deposit Machines and
NTB=ETB Monthly Customer 40 40
none through non-YBL cash deposit machine
• Points in the table above are for NTB customers
• Minimum thresholds applicable in select rules
Note • YPR1/2 includes Individual and Sole Proprietorship customer types only among Non-Individual customers
• DC rules are dependent on corresponding DC types irrespective of the program
Rewards Structure – Yes Premia
NTB/ETB
Rule Frequency Level YPR1 YPR2
Applicability
NTB=ETB LRS Transaction in INR Per Event Customer 2000 2000
NTB=ETB Inward remittance or Credit into account INR Once in a month Customer 500 500
NTB=ETB FD/RD Aggregated Monthly Customer 500 500
NTB=ETB MFOnline and 1st Txn Once in lifetime Customer 1500 1500
NTB=ETB Family Banking (max 4) Per Account Customer 1500 -
NTB=ETB Locker Once in lifetime Customer 1500 1500

NTB=ETB Retail Assets (max 3)(PL,AL,HL,LAP,LAS,GL) Per Asset Customer 2000 2000

NTB=ETB Avg Monthly Group NRV / AMB Monthly Group 350 350
NTB Account opening with Limited KYC Once in lifetime Customer 250 250
NTB=ETB YES MSME login and 1st Txn Once in lifetime Customer 500 500
NTB=ETB EXIM Txn Monthly Customer 1000 1000

• Points in the table above are for NTB customers

• Minimum thresholds applicable in select rules
Note • YPR1/2 includes Individual and Sole Proprietorship customer types only among Non-Individual customers
• DC rules are dependent on corresponding DC types irrespective of the program
 As a Yes Premia customer, earn higher (2X) reward points

Reward Points for New Customers (in initial 90 days)

Joining Bonus on Account Opening and Adding a

3000 beneficiary for first fund transfer

200 On every new bill payment (utility bills)

For other recurring payments (SI,ECS,SIP)

300

10
For ad-hoc payments (maximum accrual 300
points monthly) 1500 Reward Points post 90 days

100 On every biller

• Opening a • Registering and
2 On every Rs 200 spent via Debit Card Locker transacting on For other recurring payments (
• Opening a MFOnline 150 SI,ECS,SIP)

Additional reward points on :Bill payments, Family Account

2X Recurring Payments in initial 90 days
For ad-hoc payments
10 (maximum accrual 300 points

Up to 13000 Reward Points in the first 90 500 2000 monthly)

On every Rs 200 spent via
days of account opening 2 Debit Card
FD/RD Loans*

Phone: 1800 1200 Redeem your points against shopping vouchers, in-store
purchases, recharges . Visit https://www.yesrewardz.com/ for
Email: yestouch@yesbank.in details

1. Customers need to maintain a minimum AMB of Rs.10,000 to be eligible for reward points
2. Suitable thresholds have been defined in rules
Terms & Conditions
3. 1 Reward Point = Re 0.25
* Loans include Auto Loan, Personal Loan, LAP, LAS , Home Loan, Gold Loan
Rewards Structure – Yes Prosperity
NTB/ETB
Rule Frequency Level YPRO YCOP Digi SA Digi SAL
Applicability
NTB Account Opening Once in a lifetime Account 500 500 500 500
NTB = 2*ETB Add beneficiary and do one Fund Transfer (via RNB,MB) Once in a lifetime Customer 1000 1000 1000 1000

Bill Pay and Recharges (Utility bills through Bill pay module), Monthly and per
NTB = 2*ETB Customer 100 100 100 100
CC Bill pay(Bill pay module), LI(Bill pay module)(Max 5) Biller
Monthly and per
NTB = 2*ETB Other Recurring Payments(SI,SIP, ECS/NACH) (max 5) Customer 150 150 150 150
Biller
NTB=ETB DC Activation and 1st Txn (POS/eCom) in 30 days* Per Event Customer 250 250 250 250
NTB=ETB DC - 5 Txn in first 30 days* Per Event Customer 250 250 250 250
1. DC-Spends (per Rs 200)* 1, 1, 1, 1,
NTB=ETB Per Event Customer
2. DC-International Spends (per Rs 200) 4 4 4 4
Other Payments/Purchases (max 300 points can be accrued in a
NTB=ETB Per Event Customer 5 5 5 5
month) (excl Self-transfer)*
Min 1 Transaction only through YBL ATM and not through
NTB=ETB Monthly Customer 20 20 20 20
non-YBL ATM in the month
Cash deposit through YBL cash deposit Machines and none
NTB=ETB Monthly Customer 20 20 20 20
through non-YBL cash deposit machine

• Points in the table above are for NTB customers

• Minimum thresholds applicable in select rules
• YPRO (Yes Prosperity) includes Individual and Sole Proprietorship customers only
Note • YPRO includes product codes of 10K and above, YCOP includes SLC of 10K and above
• Digi SA and Digi Sal(Digi Salary) refer to customer accounts opened digitally
• DC rules are dependent on corresponding DC types irrespective of the program * 1.5X for Women customers for these rules
Rewards Structure – Yes Prosperity
NTB/ETB
Rule Frequency Level YPRO YCOP Digi SA Digi SAL
Applicability
NTB=ETB LRS Transaction in INR Per Event Customer 1000 1000 1000 1000
NTB=ETB Inward remittance or Credit into account INR Once in a month Customer 250 250 250 250
NTB=ETB FD/RD * Aggregated Monthly Customer 250 250 250 250
NTB=ETB MFOnline and 1st Txn Once in lifetime Customer 1500 1500 1500 1500
NTB=ETB Family Banking (max 4) Per Account Customer 1500 1500 1500 1500
NTB=ETB Locker Once in lifetime Customer 1500 1500 1500 1500

NTB=ETB Retail Assets (max 3)(PL,AL,HL,LAP,LAS,GL) Per Asset Customer 1000 1000 1000 1000

NTB Account opening with Limited KYC Once in lifetime Customer 250 250 250 250
NTB=ETB YES MSME login and 1st Txn Once in lifetime Customer 500

NTB=ETB EXIM Txn Monthly Customer 500

• Points in the table above are for NTB customers

• Minimum thresholds applicable in select rules
• YPRO (Yes Prosperity) includes Individual and Sole Proprietorship customers only
Note • YPRO includes product codes of 10K and above, YCOP includes SLC of 10K and above
• Digi SA and Digi Sal(Digi Salary) refer to customer accounts opened digitally
• DC rules are dependent on corresponding DC types irrespective of the program
* 1.5X for Women customers for these rules
 Welcome to the world of extraordinary rewards as a Yes Prosperity customer

Reward Points for New Customers (in initial 90 days)

Joining Bonus on Account Opening and Adding a

1500 beneficiary for first fund transfer

100 On every new bill payment (utility bills)

For other recurring payments (SI,ECS,SIP)

150
For ad-hoc payments (maximum accrual 300
5 points monthly)
1500 Reward Points post 90 days

1 On every Rs 200 spent via Debit Card

• Opening a • Registering and
50 On every biller

Locker transacting on For other recurring payments (

Additional reward points on :Bill payments, 75 SI,ECS,SIP)
2X Recurring Payments in initial 90 days • Opening a
Family Account
MFOnline

Higher rewards for women customers on FD/RD

50% and shopping For ad-hoc payments
5 (maximum accrual 300 points

Up to 8000 Reward Points in the first 90 days 250 1000 monthly)

On every Rs 200 spent via
of account opening 1 Debit Card
FD/RD Loans*

Phone: 1800 1200 Redeem your points against shopping vouchers, in-store
purchases, recharges . Visit https://www.yesrewardz.com/ for
Email: yestouch@yesbank.in details

1. Customers need to maintain a minimum AMB of Rs.10,000 to be eligible for reward points
2. Suitable thresholds have been defined in rules
Terms & Conditions
3. 1 Reward Point = Re 0.25
* Loans include Auto Loan, Personal Loan, LAP, LAS , Home Loan, Gold Loan
Provisional Points and Redeemable Points
 A customer needs to maintain AMB of 10K and above to be eligible for loyalty reward points
earned during the month
 Basis behavior exhibited by customer, points get accrued during the month under provisional
points bucket
 If the customer fulfils the eligibility criteria during the month, the provisional points get
accrued to the redeemable balance at the end of the month and the provisional points bucket is
reset
 If the customer doesn’t fulfil the eligibility criteria during the month, the provisional points do
not get accrued to the redeemable balance at the end of the month and the provisional points
bucket is reset
 Yesrewardz and Yesonline would show only redeemable balance currently
Process of Registration (1/2)

 Access Yes rewardz website through https://www.yesrewardz.com/

 Click on the Register button present at the top right corner of the website

 Enter customer id and Mobile number or email id, as

registered with the bank and click on submit

 OTP will be sent to the bank registered Email id and Mobile

number for Domestic customers and on email id for GIB
customers
Process of Registration (2/2)

1. Enter OTP 2. Input user Id and set 3. Yesrewardz account is

password activated
Accessing Reward Points Details on Yesrewardz (1/2)

 Access Yes rewardz website through https://www.yesrewardz.com/

 Click on the login button present at the top right corner of the website and enter user id and
password that was set during the time of registration
 After login, customer can see the reward points at the top right corner of the page under
customer’s name
Accessing Reward Points Details on Yesrewardz (2/2)
 For further details on reward points, click on the reward points and select profile option from
the drop down menu
 At the left side of the profile page, customer can see the points earned button, clicking on
which reveals the points earned summary

 At the left bottom corner of profile page, customer can view points expired schedule
Accessing Reward Points Details on Yes Online
 Upon logging into Yes Online, click on ‘Debit Card Dashboard’ under ‘Debit Cards’
 It shows the ‘Redeemable Reward Points’
 Clicking on ‘View Details’ displays the reward points statement
 Clicking on ‘Redeem’ takes the user to https://www.yesrewardz.com/
Redemption – Options and Catalogue
How to Redeem?
 Access Yesrewardz at https://www.yesrewardz.com/
Yesrewardz  Login to the portal by entering User id and Password

In Store  Customers can redeem their points at selected partner stores for a variety of products

Rewards Catalogue
 Customers can redeem their points for a variety of products and services such as recharge, bus booking, hotel booking and
flight booking through the portal
 Customers can also pay the difference amount through their card if enough points are not available to redeem a product
 Detailed catalogue can be found at https://www.yesrewardz.com/merchandise
FAQs
What is a reward points worth in Rs?
 1 Reward Point=Re 0.25
 Do reward points expire?
 Yes, reward points are valid for 3 years from the day of earning provided they get converted from provisional
to redeemable at the end of the month
Where can I view the expiry schedule of my reward points?
 Upon logging into Yesrewardz, under profile when one checks the points earned page, one can find the points
expiry schedule at the bottom left of the page
Where to Register to know about my reward points?
 Visit https://www.yesrewardz.com/
What is the Process of registration?
 The detailed process has been covered earlier in the presentation
What is the eligibility criteria for getting reward points?
 Customer needs to maintain an AMB of 10K to be eligible for any reward points during the month
Are the earn rules same for all set of customers?
 No, points vary according to the program of the customer. A YF customer gets 3x and YPr customer gets 2x
compared to a Yes Prosperity customer
Are the points same throughout the lifecycle of the customer?
 No, there are certain rules for which customer gets accelerated points (2x) during the first 90 days
FAQs
Are there any thresholds for earning points in individual rules?
 Yes certain rules require customers to do a transaction above a certain threshold to earn reward points
What is provisional balance?
 Customer needs to maintain a minimum AMB of 10K during the month to be eligible for all reward points.
Hence points earned during the month go into the provisional bucket/balance
What is redeemable balance?
 The points earned by the customer which they can use to redeem against any product in the catalogue
When will my provisional points get accrued to redeemable balance?
 At the end of the month, if customer meets all eligibility criteria. The provisional balance gets reset at the end
of the month. The provisional points get added to redeemable balance latest by 10th of next month
Where can I view my redeemable balance?
 On Yesrewardz, Yes Online
What happens to the points earned by existing customers post launch of new program?
 Any existing points of customers will get carried forward
Where can I redeem by points?
 On Yesrewardz portal
Is there a minimum threshold of points needed to be maintained before the customer can start
redeeming?
 A customer needs to have a minimum of 1000 points before he/she can start redeeming
Thank You

22
Competition Benchmarking
Yes Bank Loyalty Program is the Most Rewarding Program

Liability Program
Bank NTB Rewards ETB Rewards DC Rewards
rewards Specific
AXIS Bank     


ICICI Bank    

Standard Chartered
    
Bank
CITI Bank     
HDFC Bank     

IDFC First Bank    

Kotak Mahindra Bank     

Yes Bank     

• Our Loyalty Program is the most rewarding program among all banks
Rewards Structure – Thresholds

Y Digital Digital
Threshold YF1/YFB1 YF2/YFB2 YPR1 YPR2 YCOP
Prosperity SA Sal

Convert to Full KYC

Account Opening
First Credit/SLC 10000
Add beneficiary and do one Fund Transfer (via RNB,MB) 6,000 6,000 4,000 4,000 2,000 2,000 2,000 2,000
Bill Pay and Recharges (Max 5) 450 450 300 300 150 150 150 150
Other Recurring Payments(SI,SIP, ECS/NACH) (max 5) 7500 7500 5000 5000 2500 2500 2500 2500
DC Activation and 1st Txn (POS/eCom) in 30 days 500 500 500 500 500 500 500 500
DC - 5 Txn in first 30 days 1000 1000 1000 1000 1000 1000 1000 1000
1. DC-Spends (per Rs 200)
2. DC-International Spends (per Rs 200)
Other Payments/Purchases (max 300 points can be accrued in
300 300 200 200 100 100 100 100
a month) (excl Self-transfer)
Min 1 Transaction only through YBL ATM and not through
non-YBL ATM in the month

Cash deposit through YBL cash deposit Machines and not

through other bank cash deposit machines in a month
LRS Transaction in INR 7.5L 7.5L 5L 5L 2.5L 2.5L 2.5L 2.5L
Inward remittance or Credit into account INR 225,000 225,000 150,000 150,000 75,000 75,000 75,000 75,000
Rewards Structure – Thresholds

Y Digital Digital
Threshold YF1/YFB1 YF2/YFB2 YPR1 YPR2 YCOP
Prosperity SA Sal

FD/RD booking via digital channels

75,000 75,000 50,000 50,000 25,000 25,000 25,000 25,000
MFOnline and 1st online Txn
Online Demat and 1st Txn
Family Banking (max 4)
Locker
Travel Card 2000 2000 1000 1000 500 500 500 500
Retail Assets (max 3)(PL,AL,HL,LAP,LAS,GL)
300,000 300,000 200,000 200,000 100,000 100,000 100,000 100,000

Avg Monthly Group NRV / AMB

30L/8L 30L/8L 10L/2L 10L/2L

YES MSME Login and 1st Txn

500 500 500 500 500

EXIM Txn
225000 225000 150000 150000 75000