YES Bank Credit Cards – Simple Guide to Features, Benefits & Charges
YES Bank offers a wide range of credit cards designed to suit different lifestyles and spending habits in India. Whether you shop online, travel frequently, or want to earn rewards on daily expenses, YES Bank credit cards provide multiple benefits that help you save more on every transaction.
YES Bank Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| YES Bank RESERV Credit Card | Premium travel & lifestyle | ₹5,000 / ₹5,000 | 24 Rewardz Points per ₹200 online spends, low forex markup, concierge service | Domestic & International | YES Rewardz | ★★★★★ |
| YES Bank MARQUEE Credit Card | Luxury travel | ₹9,999 / ₹9,999 | Unlimited lounge access, premium travel benefits, accelerated rewards | Unlimited Global | YES Rewardz | ★★★★★ |
| YES Bank ELITE+ Credit Card | Premium rewards | ₹999 / ₹999 | Accelerated reward points, dining and shopping offers | Domestic | YES Rewardz | ★★★★☆ |
| YES Bank SELECT Credit Card | Shopping & lifestyle | ₹999 / ₹999 | Higher rewards on online shopping, movie and coffee offers | Domestic | YES Rewardz | ★★★★☆ |
| YES Bank ACE Credit Card | Cashback & everyday spending | Lifetime Free | Reward points on daily spends, UPI support (RuPay variant available) | No | YES Rewardz | ★★★★☆ |
| YES Bank Wellness Plus Credit Card | Health & wellness | ₹999 / ₹999 | Health check-up benefits, wellness rewards and fitness offers | No | YES Rewardz | ★★★★☆ |
| YES Bank POP-CLUB Credit Card | UPI & young professionals | Lifetime Free | RuPay UPI support, cashback and rewards on everyday transactions | No | Reward Points | ★★★★☆ |
| YES Bank FinBooster Credit Card | Online rewards | Lifetime Free | Bonus rewards on partner merchants and online spending | No | YES Rewardz | ★★★★☆ |
| YES Bank BYOC (Build Your Own Card) | Customizable benefits | Varies | Choose reward categories and benefits based on your spending | Optional | YES Rewardz | ★★★★☆ |
Why Choose YES Bank Credit Cards
YES Bank credit cards are popular because they offer a good balance of rewards, cashback, and lifestyle benefits. You can earn reward points on almost every purchase, including shopping, dining, bill payments, and travel.
Another key advantage is flexibility. There are low-fee cards for beginners and premium cards with advanced features like lounge access and travel perks. This makes YES Bank cards suitable for both new users and experienced credit card holders.
Key Features & Benefits
- Welcome benefits like bonus points or vouchers
- Reward points or cashback on every transaction
- Higher rewards on online shopping, dining, and travel
- Complimentary airport lounge access on select cards
- Discounts on movies, restaurants, and fuel
- Annual fee waiver on reaching spending limits
These benefits help you reduce overall expenses and get extra value from your spending.
Real Example: How You Can Save Money
Let’s understand with a simple example. If you spend ₹20,000 per month:
- ₹10,000 on online shopping
- ₹5,000 on food and dining
- ₹5,000 on travel
With a credit card offering 5% rewards on online spends, you earn ₹500 per month. That becomes ₹6,000 savings in one year. Along with vouchers and offers, your total savings can increase even more. This shows how using a credit card smartly can help you save money every year.
Reward Points Structure
| Credit Card Type | Reward Benefit |
|---|---|
| Premium Cards | High rewards on travel and online spends |
| Mid-Range Cards | Balanced rewards across all categories |
| Entry-Level Cards | Basic cashback and low rewards |
| Wellness Cards | Extra rewards on medical expenses |
In simple terms, cards with higher annual fees usually offer better rewards and benefits.
Reward Redemption Options
- Book flights and hotels
- Redeem gift vouchers
- Shop products from the rewards catalog
Premium cards offer better value per point compared to basic cards. So, choosing the right card can increase your overall benefit.
Quick Comparison
| Category | Best YES Bank Credit Card |
|---|---|
| Best Overall | YES Bank MARQUEE Credit Card |
| Best Premium Card | YES Bank RESERV Credit Card |
| Best Travel Card | YES Bank MARQUEE Credit Card |
| Best Rewards Card | YES Bank RESERV Credit Card |
| Best Shopping Card | YES Bank SELECT Credit Card |
| Best Cashback Card | YES Bank Paisabazaar PaisaSave Credit Card |
| Best UPI Credit Card | YES Bank POP-CLUB Credit Card |
| Best Health & Wellness Card | YES Bank Wellness Plus Credit Card |
| Best Lifetime Free Card | YES Bank ACE Credit Card |
| Best Value for Money | YES Bank SELECT Credit Card |
Eligibility Criteria
- Age between 21 and 60 years
- Stable income source
- Good credit score
- Indian residency
Higher-income individuals may qualify for premium cards with better features.
Fees & Charges
- Interest rate: Around 1.2% to 3.5% per month
- Cash withdrawal fee: Approx. 2.5%
- Foreign transaction fee: 1.75% to 3.5%
- Late payment charges: Based on outstanding bill
To avoid extra charges, always pay your credit card bill on time.
Annual Fee Details
- Entry-level cards: ₹399 to ₹999
- Mid-range cards: ₹999 to ₹2,999
- Premium cards: ₹5,000 and above
Most cards offer annual fee waiver if you spend a certain amount in a year, which makes them more cost-effective.
How to Apply for YES Bank Credit Card
Offline Method:
Visit your nearest YES Bank branch with required documents.
Online Method:
- Visit the official YES Bank website
- Select your preferred credit card
- Fill in your details
- Submit the application
Online application is faster and more convenient.
How to Activate Your Credit Card
- Generate PIN using a YES Bank ATM
- Activate through internet banking
- Contact customer support for help
Activation is quick and usually takes only a few minutes.
How to Choose the Right YES Bank Credit Card
- If you shop online frequently, choose a card with high cashback
- If you travel often, go for a card with lounge access
- If you want low cost, select a card with low or zero annual fee
Compare rewards, benefits, and fees before making a decision.
Should You Get a YES Bank Credit Card?
YES Bank credit cards are a great option for earning rewards, saving money, and enjoying lifestyle benefits. With multiple options available, you can easily find a card that matches your needs. To get maximum value, choose the right card, use it regularly, and always pay your bills on time. This way, you can enjoy all the benefits while avoiding unnecessary charges.
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Frequently Asked Questions
- How to choose the right Yes Bank credit card?
Pick a card based on your spending habits. For travel, choose a travel card. For shopping or daily use, go for cashback or rewards cards.
- Can I get a Yes Bank credit card without income proof or with a low credit score?
Yes, you can get a card against a fixed deposit without income proof. A higher credit score (around 750+) increases approval chances, but entry-level cards may still be available for lower scores.
- How can I pay my credit card bill?
You can pay using UPI, net banking, NEFT, IMPS, RTGS, mobile apps, cheque, cash, or set auto-payment from your bank account.
- What is the interest-free period?
You get up to 50 days of interest-free time, but only if you pay your full bill on time.
- How do rewards, charges, and forex fees work?
You earn reward points on most spends like shopping and dining. Some cards give extra rewards on selected categories. Usually, there is a Rs. 100 fee for redeeming rewards, but premium cards may not charge this. For international spending, forex charges apply, but some premium cards have lower charges around 1%.
- Can I use my card internationally and get lounge access?
Yes, you can use your card worldwide. Premium cards also give access to airport lounges in India and abroad.
- Are there any extra charges like add-on card fees?
No, add-on cards are generally free.
- How can I generate or change my credit card PIN?
You can create or change your PIN easily using net banking or mobile banking.
- What should I do if I see an unauthorized transaction?
Contact customer care immediately and block your card to stop misuse.
- How can I check my application status or contact support?
You can check your application status online. For help, call customer care at 1800 103 1212 or +91 22 4935 0000.