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Credit Cards · India

YES Bank SELECT Credit Card

Updated 3 Jul 2026Source-linked

The YES Bank SELECT Credit Card is a mid credit card from YES Bank, with a joining fee of ₹599 + GST.

It earns up to 8 pts per ₹200 (≈0.7% value) on online shopping spends in the form of yes rewardz points (points).

YES Bank logo
YES Bank SELECT Credit Card
Mastercard logo
  • Joining Fee₹599
  • Annual Fee₹599
  • Best Suited ForEveryday spends
  • Reward TypeYES Rewardz Points (points)
Rewards Rate
  • 8 pts per ₹200 on online shopping
  • 4 pts per ₹200 on offline shopping
  • Base 0.18% on other spends
Welcome Benefits
  • Not applicable
YES Bank logoYESMastercard logoworldmid
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Rewards and Benefits

Rewards Rate
8 pts per ₹200 on online shopping
4 pts per ₹200 on offline shopping
Base 0.18% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on District
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • mid card issued by YES Bank.
  • Joining / annual fee of ₹599 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Mastercard network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 8 pts per ₹200 on online shopping
    8 YES Rewardz per ₹200 on online shopping (except Select categories).
  • 4 pts per ₹200 on offline shopping
    4 YES Rewardz per ₹200 on offline shopping; 2 per ₹200 on Select categories (base).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi
  • government
  • education
  • jewellery

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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