I did not have any relationship with Yes Bank before this—no savings account or credit card.
- I applied on July 18th.
- I immediately received the VKYC link. However, it was around 10 PM when I applied, so I didn't complete the VKYC at that time.
- The next morning, I attempted to complete the VKYC and had to wait for 20 minutes, with three people ahead of me in the queue.
- The VKYC was successfully completed on July 19th. The representative asked if my address was correct, which I confirmed with `yes`. Then, I showed my PAN card, took a picture, and sign.
- After this, I noticed a CIBIL hit, though I didn't receive a message; I checked in the app.
- On July 24th, I received an SMS and an email from Yes Bank with my application number. When I checked the status, it was still in progress.
- I also received a message from Experian about a hard pull around the same time I got the message from Yes Bank.
- On July 25th, The application was approved when i checked the status.
- On July 26th, I saw that the card was generated (in Gpay, i was able to add card in kiwi aswell, but no option for pin change) and was able to add it to Google Pay. However, I couldn't use it because the UPI PIN had not been set.
- Today afternoon (July 27th), the card appeared in the Kiwi app. After some failed attempts, I was able to generate the UPI PIN and check the limit. There was no option to see the full card number. I took a screenshot of the last few digits and the expiry date while generating the PIN.