Yes Bank Select Credit Card

Welcome benefits

• None — YES Bank confirms this card carries no welcome benefit

Rewards & cashback

• Value of 1 YES Rewardz Point = ₹0.10 (cash-equivalent / voucher-catalogue value)
• User earns 8 YES Rewardz Points per ₹200 on online spends
• Online Cashback Rate: 0.4%
• User earns 4 YES Rewardz Points per ₹200 on offline spends
• Offline Cashback Rate: 0.2%
• User earns 2 YES Rewardz Points per ₹200 on select categories (insurance, tax, groceries, etc.)
• Select Cashback Rate: 0.1%
• Online earning is capped at 5,000 points per statement cycle (Redeeming instead for flights/hotels lifts the point to ₹0.25 and roughly 2.5x these rates.

Milestone benefits

• 15,000 bonus reward points on spending ₹6 lakh in an anniversary year, plus 500 reward points on each successful YES PayNow registration

Airport lounge access

• 1 complimentary domestic lounge visit per calendar quarter (up to 4 per year), conditional on spending ₹50,000 in the preceding calendar quarter
• No complimentary international lounge access — global lounge access is available via LoungeKey on a pay-per-use basis at about $27 + GST per visit

Dining

• Buy-one-get-one coffee offer at participating outlets, plus partner lifestyle dining offers

Movies

• Buy-one-get-one offer on movie tickets booked through District, with a maximum discount of up to ₹150 on the second (free) ticket, once per user per calendar month

More benefits & features

• 1% fuel surcharge waiver; Credit Shield cover of ₹3 lakh; Lost Card Liability cover of ₹3 lakh; purchase protection up to ₹50,000 on accidental damage of electronics bought with the card; 4 complimentary golf green-fee rounds a year plus 1 golf lesson each…

Fees & charges

Joining fee

₹599 + taxes (waived on spending ₹10,000 within 30 days of issuance)

Annual fee

₹599 + taxes (waived on meeting the annual spend threshold — commonly cited around ₹1 lakh; confirm exact figure)

Foreign currency markup

2.75%

Interest rate

3.99% per month (47.88% annually); 2.49% per month on the FD-backed variant

Late payment

Nil for total outstanding up to ₹500; above ₹500, the lower of 10% of the statement balance or ₹1,350, capped at ₹1,500 per cycle

Cash advance

2.5% of the withdrawn amount (a minimum of ₹500 applied until 15 June 2026, per the current MITC), plus finance charges from the…

Other fees

₹100 + GST per redemption request. Fuel Surcharge: 1% surcharge, waived on fuel transactions (standard YES Bank range ₹400–₹5,000; monthly…

Pros and cons

Who can apply

• Age: Between 21 and 60 years
• Employment Type: Salaried or self-employed
• Income Requirement: Monthly salary of ₹50,000 or Annual Income Tax Return (ITR) of ₹7.5 Lakhs or more

How to apply

1. Online:
2. Visit Yes Bank website
3. Fill out the online application form with the correct details
4. Upload the required documents when prompted
5. Submit the application and track its status online Bank Branch:
6. Visit the Yes Bank branch nearest to you
7. Meet a customer service representative and express your interest of availing the credit card
8. Provide them with your KYC documents and fill out the application form
9. Submit the application and inquire about further processing steps