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Is the YES Bank Select Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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YES Bank Select Credit Card
YES Bank Select Credit CardView card →
  • Shopping card
  • Needs ₹50,000 a month income
  • ₹707 fee a year (with GST)
  • Fee waived from ₹8,333 a month
  • 0.4% base, up to 0.8% on online shopping
  • 4 lounge visits a year
  • Pays in reward points
Good for
  • online shopping: 0.8% back, up to ₹1,000 a month
  • spending ₹8,333 or more a month: the ₹707 fee is waived
  • flyers: 4 airport lounge visits a year
Skip it if
  • you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹707 fee is then charged
  • most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on online shopping: the 0.8% rate applies only there, everything else earns 0.4%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 4 YES Rewardz per ₹200 on offline and other spends (~0.4% at ₹0.20/pt)

Also earns nothing on: Railways, Ferry, Marketing and advertising.

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onRentWallet loadsFuelGovernmentInsuranceEducationEMICash withdrawalsTollsJewelleryRailwaysFerryMarketing and advertising

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping0.8%₹1,000All merchants in the categoryTerms: 8 YES Rewardz per ₹200 on online spends (~0.8% at ₹0.20/pt), capped at 5,000 points a statement cycle-
Dining and food delivery0.4%No capThe card's normal rate-
Groceries0.4%No capThe card's normal rate-
Travel: flights, hotels, trains0.4%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and recharges0.2%₹30All merchants in the categoryTerms: 2 YES Rewardz per ₹200 on Select categories, utilities (MCC 4900) and cable/streaming (4899), capped 150 points a cycle (MITC v18 p10)-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college feesEarns nothing-earns nothing on this card-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.4%No capThe card's normal rate-
Everything else0.4%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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