Yes Bank
YES Select Credit Card
Annual Fee
₹707₹599 + GSTBase Reward
4% points
Foreign Markup
2.75% on all foreign currency spends
Product Highlights
- 8 Reward Points on every ₹200 spent online
- 4 Reward Points on every ₹200 spent offline
Category Rewards
shopping
Online Shopping 8X
8X
shopping
Offline Shopping 4X
4X
Fee Waiver
Joining fee waiver on spending ₹10,000 or more within 30 days after receiving the card, and the renewal fee is waived off on a spend of ₹1 lakh or more in the previous year.
Reward Calculator
Costs you ₹35/year
Break-even needs ~₹16,834/month at your reward mix.
₹16K
across all your buckets
3.4K
YES Rewardz
₹672
via standard · ₹0.2/pt
Effective rate
0.35%
Annual fee
₹707
Year 1 net
₹-35
Year 2+ net
₹-35
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2.75%Charged on every international (non-INR) transaction
Excluded from rewards
rent, wallet, fuel, upi, government, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
8 Reward Points on every ₹200 spent online, 4 Reward Points on every ₹200 spent offline, and 2 Reward Points on every ₹200 spent on select categories such as insurance, government, utility, education, recharge, wallet, and rental payments.
- 1 Reward Point = ₹0.10 for redemption against gift vouchers, product catalogue, etc. and 1 Reward Point = ₹0.25 for redemption against hotel/flight bookings.
Benefits & Features
Domestic: 1 Free Visit Each Quarter Primary cardholders get one complimentary domestic lounge access every calendar quarter across over 30 lounges in India.
Pros & Cons
Pros
- Great reward programs
- Complimentary golf benefits
Cons
- No welcome benefits
- Limited to select categories for higher rewards
Additional Info
Capped at 5,000 Reward Points per statement cycle for online purchases.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.5L+
Self-Emp
₹7.5L+
Networks
Fee Waiver
Joining fee waiver on spending ₹10,000 or more within 30 days after receiving the card, and the renewal fee is waived off on a spend of ₹1 lakh or more in the previous year.