YES Select Credit Card
Yes Bank
Annual Fee
₹599
Joining Fee
₹599 + GST
Base Reward
4% points
Foreign Markup
2.75% on all foreign currency spends
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.
Interest Rate
3.99% Per Month
Product Highlights
- 8 Reward Points on every ₹200 spent online
- 4 Reward Points on every ₹200 spent offline
Rewards
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.
Redemption
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.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 4%(4 Reward Points on every ₹200 spent) | No cap |
other | 2%(2 Reward Points on every ₹200 spent on select categories) | No cap |
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.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹50,000
Min Income (Self-Employed)
₹7,50,000
Available Networks
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