Yes Bank
YES Bank Select Credit Card
Data last verified: 11 October 2026
- Joining fee₹599 + GST
- Annual fee₹599 + GST
- Reward rate0.4% base, up to 0.8% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹599 + GST
- Annual fee₹599 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹125 a month
YES Select earns YES Rewardz points: about 0.8% on online shopping (capped monthly) and about 0.4% on other spends, with a lower rate on utility bills.
It includes 4 domestic airport lounge visits a year. The fee is ₹599 a year, waived when you spend ₹1 lakh in the year.
It suits someone who shops online and wants a low-fee card with a few lounge visits. The reward rate is modest, so heavy spenders will find better returns elsewhere.
Best for: Online shoppers wanting a low-fee card, Occasional domestic travellers.
01YES Bank Select Credit Card Rewards and Benefits
02YES Bank Select Credit Card Annual Fee and Charges
- Joining fee
- ₹599 + GST
- Annual fee
- ₹599 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹125 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 0.8%₹40
- ₹15,000 on everything else, earning 0.4%₹60
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,200
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04Product Details
- About 0.8% in points on online shopping (capped monthly)
- About 0.4% on other spends
- 4 domestic lounge visits a year
- Fee waived on ₹1 lakh a year
05Pros and Cons
Pros
- Low annual fee, easy to waive
- Domestic lounge access
Cons
- Modest reward rate
- Monthly cap on online rewards
- 3.5% markup on foreign spends
06How YES Bank Select Credit Card earns Rewards
0.4% base, up to 0.8% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.8% | ₹1,000 | All 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 delivery | 0.4% | No cap | The card's normal rate |
| Groceries | 0.4% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.4% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.2% | ₹30 | All 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) |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.4% | No cap | The card's normal rate |
| Everything else | 0.4% | No cap | The card's normal rate |
Terms on the base rate. 4 YES Rewardz per ₹200 on offline and other spends (~0.4% at ₹0.20/pt)
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07YES Bank Select Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, airport lounge access, movie ticket offers.
- Concierge service: Buy-one-get-one on coffee at participating mall outlets, per YES Bank's offer terms and conditions
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹125 a statement cycle
- Golf privileges: 4 complimentary green-fee rounds a year at select Indian courses plus one complimentary golf lesson each month
- Airport lounge access: 1 complimentary domestic lounge visit per calendar quarter, unlocked by spending ₹50,000 in the previous quarter (quarter-N spend unlocks quarter N+1's visit); guests are charged
- Movie ticket offers: Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket
08YES Bank Select Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹50,000
09Recent Changes
What Yes Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Cash-advance, auto-debit-failure and cash-deposit fees raisedSource: Yes Bank | Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · branch cash deposit ₹100 | Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · branch cash deposit ₹500 |
| 15 Jun 2026 | Reduced: Forex markup raised from 2.75% to 3.50%Source: Yes Bank | 2.75% | 3.50% |
| 15 Jun 2026 | Reduced: Fuel surcharge waiver band narrowed to ₹500 to ₹3,000Source: Yes Bank | ₹400 to ₹5,000 per transaction | ₹500 to ₹3,000 per transaction |
| 15 Jun 2026 | Reduced: Reward exclusions widen; select categories shrink to utilities + streamingSource: Yes Bank | Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education | No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899) |
| 1 Jun 2026 | Changed: Over-limit facility reinstatedSource: Yes Bank | Withdrawn since 1 May 2025, transactions above the limit declined | Reinstated, ₹550 + GST charge per over-limit transaction |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to YES Bank Select Credit Card
YES Bank Select Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | YES Bank Select Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹599 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹599 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.4% base, up to 0.8% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your YES Bank Select Credit Card Bill
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Common Questions
What is the YES Bank Select annual fee?
₹599 a year, waived when you spend ₹1 lakh in a year.
How much does it earn?
About 0.8% in points on online shopping and 0.4% on other spends.
What is the joining fee for the YES Bank Select Credit Card?
The joining fee is ₹599 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the YES Bank Select Credit Card?
The annual fee is ₹599 + GST.
Does the YES Bank Select Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Yes Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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