Visa, Mastercard, RuPay 📡 Contactless NFC

YES Bank Select Credit Card

Joining Fee₹599

Annual Fee₹599

Forex Markup 3.5%

Apply & Earn ₹240 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Online shoppers and moviegoers wanting 8x points on internet shopping, BOGO movie tickets, domestic airport lounge access, and RuPay UPI support.

Who Should Avoid

Users who cannot meet the ₹10,000 quarterly spend threshold for lounge access.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹240 directly upon successful card approval.

Claim ₹240 & Apply →

🎉

Joining & Activation Welcome Gift

1,000 bonus YES Rewardz Points upon payment of joining fee and realization

8 Reward Points per ₹200 on Online Shopping

Earn 8 YES Rewardz Points per ₹200 (1.0% return) on online shopping and 4 points per ₹200 on offline purchases.

BOGO Movie Tickets via District

Buy 1 Get 1 free on movie tickets via District by Zomato (up to ₹200 twice a month, saving ₹400/mo).

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter on min ₹10,000 spend in preceding quarter).

💰 Reward Structure & Point Valuation

1 YES Rewardz Points = ₹0.25

Standard Base Earning

4 YES Rewardz Points per ₹200 spent on offline retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

8 YES Rewardz Points per ₹200 (1.0% return; 1 RP = ₹0.25) on Online Shopping (capped at 5,000 points/month); Buy 1 Get 1 free on movie tickets via District by Zomato (up to ₹200 twice a month)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: YES Rewardz Catalog (Brand Vouchers & Flight Bookings), Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr

Annual renewal fee of ₹599 + GST is waived off on spending ₹1,50,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

4 YES Rewardz Points per ₹200 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹50,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the YES Bank Select Credit Card

Annual Fee: ₹599/yr (Waivable)

Apply & Claim ₹240 →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹50,000 All Yes Bank Credit Cards Lounge Access Credit Cards RuPay UPI Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

No, YES Bank Select Credit Card has a joining fee of ₹599 and an annual renewal fee of ₹599 (plus applicable taxes).

YES Bank Select Credit Card ₹599/yr