In-depth review
YES Bank Select Credit Card
An affordable ₹599 entry card that leans on perks — one quarterly domestic lounge visit, four golf green-fee rounds a year and a monthly movie BOGO — rather than raw earn. Online spends make 8 YES Rewardz per ₹200 (capped 5,000/cycle), a modest ~0.8% at the everyday point value. Judge it on the perk bundle and low fee.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
0.8% on Online Shopping
8 YES Rewardz per ₹200 on online spends (~0.8% at ₹0.20/pt), capped at 5,000 points a statement cycle
0.4% on Other
4 YES Rewardz per ₹200 on offline and other spends (~0.4% at ₹0.20/pt)
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
Annual Fee Waiver
Fee of ₹599 + 18% GST (₹707 all-in)/yr fully waived when you spend ₹1,00,000/year
Golf Privileges
4 complimentary green-fee rounds a year at select Indian courses plus one complimentary golf lesson each month
24x7 Concierge
Buy-one-get-one on coffee at participating mall outlets, per YES Bank's offer terms and conditions
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹125/month
Movie Ticket Benefit
Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹4,000
Golf perk value
- 24x7 lifestyle and travel concierge
- Complimentary golf access at premium courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
For someone wanting an affordable entry card with lounge, golf and movie perks that usually appear only at higher fees — ideally a YES Bank customer who spends online and will redeem YES Rewardz for travel. Less suited to heavy offline spenders or anyone who leaves points sitting as low-value voucher credit.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 0.8%4 pts/₹100 × ₹0.20 | ₹1,000 |
| Other | reward points | 0.4%2 pts/₹100 × ₹0.20 | — |
| Utility Bills | reward points | 0.2%1 pts/₹100 × ₹0.20 | ₹30 |
Online Shopping: 8 YES Rewardz per ₹200 on online spends (~0.8% at ₹0.20/pt), capped at 5,000 points a statement cycle
Other: 4 YES Rewardz per ₹200 on offline and other spends (~0.4% at ₹0.20/pt)
Utility Bills: 2 YES Rewardz per ₹200 on Select categories — utilities (MCC 4900) and cable/streaming (4899), capped 150 points a cycle (MITC v18 p10)
Earns nothing on: Rent · Wallet Loads · Fuel · Government & Tax · Insurance · Education · EMI Conversions · Cash Advances · Railways · Tolls & Road Fees · Ferry · Jewellery · Marketing and advertising
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹707 |
| Joining fee (incl. 18% GST) | ₹707 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹125 |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹9,300/yr in total.
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
4 complimentary green-fee rounds a year at select Indian courses plus one complimentary golf lesson each month
Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket
Buy-one-get-one on coffee at participating mall outlets, per YES Bank's offer terms and conditions
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹125 a statement cycle
Should you get it?
- Best for: First-time or second-card holders who want perks without a premium fee, YES Bank customers who spend online and will redeem points for travel, Occasional flyers and moviegoers who value lounge, golf and BOGO perks
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (0.8% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Lounge, golf, a monthly movie buy-one-get-one and a coffee buy-one-get-one are unusual perks at a ₹599 fee
- 8 YES Rewardz per ₹200 on online spends, plus 2 per ₹200 on select categories (utilities and cable/streaming)
- ₹599 renewal fee waived at ₹1 lakh of annual spend; joining fee reversed on ₹10,000 in the first month
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (capped ₹125 a month)
✕ Cons
- Online earning is capped at 5,000 YES Rewardz a statement cycle, limiting the effective rate for heavy spenders
- YES Rewardz are worth only ~₹0.20 on vouchers, bills and statement credit; the ₹0.25 rate applies to flights and hotels only
- The domestic lounge visit needs ₹50,000 of prior-quarter spend to unlock, and there is no international lounge access
- Rent, wallet loads, fuel, government payments, insurance and education spends earn no rewards
- A ₹100 + GST fee applies each time you redeem reward points, so redeem in fewer, larger batches
- Existing YES Bank credit cardholders are not eligible to apply
Eligibility & documents
This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem YES Rewardz on the YES rewardz portal for vouchers, bill payments and statement credit (~₹0.20/point)
- 🎁Redeem for flights and hotels via the YES rewardz portal for the best value (up to ~₹0.25/point)
- 🎁A ₹99 + GST convenience fee applies to flight bookings made with points
- 🎁YES Rewardz expire 3 years after accrual
What your YES Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 50% of the point balance; ₹100 + GST per redemption request
Capped at 50% of the balance and ₹25,000 a calendar month
YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The online reward rate is capped at 5,000 points a cycle and YES Rewardz are worth only ~₹0.20 on everyday redemptions, so the real earn is modest; the value here is the perk bundle, not the points.
Frequently asked questions
How much does the Select earn?
What is the joining and annual fee, and how are they waived?
What perks does the Select include?
Does it have international lounge access?
What are YES Rewardz worth on this card?
How has the YES Bank Select Credit Card changed over time?
Has the YES Bank Select Credit Card been devalued recently?
When did the YES Bank Select Credit Card's fees last change?
How did the YES Bank Select Credit Card change in 2026?
The bottom line
The Select is an honest entry-level rewards card that leans on perks rather than raw earn: 8 YES Rewardz per ₹200 online (capped at 5,000 a cycle) is a modest ~0.8% once you account for the ₹0.20 everyday point value, but the lounge visit, golf rounds and monthly movie buy-one-get-one are genuinely unusual at a ₹599 fee. Redeem the points for flights and hotels (up to ₹0.25) and the maths improves. Judge it on the perk sheet and the low fee, not the headline reward rate.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, the spends listed as earning nothing and 5 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the YES Bank Select Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2016 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Cash-advance, auto-debit-failure and cash-deposit fees raised
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
The same MITC revision raises three servicing charges that apply to the Select: the cash-advance floor moves from ₹500 to ₹650, the payment-return / auto-debit-failure charge from 2% or ₹450 to 2.5% or ₹500, and the fee for repaying the card in cash at a branch from ₹100 to ₹500. None of these touch the reward maths, but they make the card noticeably more expensive to misuse.
Verification: YES Bank ↗ · Confidence: High
- ▼ FeeObserved 23 Jun 2026 · Effective 15 Jun 2026
Forex markup raised from 2.75% to 3.50%
2.75%→3.50%
YES Bank's consolidated MITC (version CMITC_V18_23062026) lifts the Select's foreign-currency mark-up from 2.75% to 3.50% with effect from 15 June 2026, on top of the flat 1% dynamic-currency- conversion charge. On ₹1,00,000 of overseas spend that is an extra ₹750 plus GST, and it moves the Select from mid-pack to one of the more expensive entry cards to use abroad.
Verification: YES Bank ↗ · Confidence: High
- ▼ BenefitEffective 15 Jun 2026
Fuel surcharge waiver band narrowed to ₹500–₹3,000
₹400 to ₹5,000 per transaction→₹500 to ₹3,000 per transaction
The MITC narrows the transaction window in which the Select's 1% fuel surcharge is reversed — previously ₹400 to ₹5,000, now ₹500 to ₹3,000 from 15 June 2026. The ₹125 per-statement-cycle cap is unchanged, but a typical ₹3,500–₹5,000 tank fill no longer qualifies at all.
Verification: YES Bank ↗ · Confidence: High
- ▼ RewardEffective 15 Jun 2026
Reward exclusions widen; select categories shrink to utilities + streaming
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)
Effective 15 June 2026 YES Bank stopped awarding YES Rewardz on insurance, education, railway, toll, ferry and jewellery transactions — on top of the existing rent, wallet, fuel, government, marketing/advertising, cash and EMI exclusions. The half-rate "select categories" tier was simultaneously narrowed to utilities (MCC 4900) and cable/streaming services (MCC 4899) only. The card's own page publishes the new lists.
Verification: YES Bank ↗ · Confidence: High
- ▲ BenefitEffective 1 Jun 2026
Over-limit facility reinstated
Withdrawn since 1 May 2025 — transactions above the limit declined→Reinstated, ₹550 + GST charge per over-limit transaction
YES Bank brought back the over-limit facility across its credit cards from 1 June 2026, reversing the May 2025 withdrawal. Spends above the sanctioned limit can now go through, subject to the bank's own risk assessment, at a flat ₹550 plus GST per over-limit transaction.
Verification: YES Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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