Yes Bank
Incorporated in November 2003, Yes Bank is one of the key players in the Indian banking sector and is famous for its great products and services. Also, the bank conducts its operations across multiple banking verticals for its customers, such as retail banking services, investment banking solutions, corporate finance facilities, financial risk services, treasury services, and much more. As per the Reserve Bank’s data, Yes Bank’s active credit cards at the end of December 2025 stood at more than 27.6 lakh. In recent months, Yes Bank has updated its credit card portfolio to include more advantageous offerings. It has also introduced new credit cards, like the premium Yes Marquee Credit Card. The bank’s board is keen on doubling its market share in the coming years. The following are the best credit cards offered by Yes Bank that will help you know more about them.
On This Page — Jump to a Card
- Klick RuPay Credit Card
- YES Essence Credit Card
- Yes Bank First Exclusive Credit Card
- YES Premia/Elite Credit Card
- YES Prosperity Edge/Select Credit Card
- YES Bank BYOC Credit Card
- Yes Bank Marquee Credit Card
- Yes Bank RuPay Credit Card
- YES Prosperity Rewards Plus/ACE Credit Card
- Yes Bank Wellness Credit Card
- YES Bank Wellness Plus Credit Card
- YES BANK Niyo Credit Card
- YES Bank EMI Credit Card
- Yes Private/Private Prime Credit Card
- YES First Preferred Credit Card
- YES Prosperity Cashback Plus Credit Card
- YES Prosperity Rewards Credit Card
List of Top Yes Bank Credit Cards
Have a look at some of the most popular and rewarding Yes Bank Credit Cards. We have compiled all the features, benefits, and fees of these cards so that you can quickly know, compare, and apply for the most suitable Yes Bank Credit Card.
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate2 RPs for Every ₹200 on Non-UPI Spends
Welcome BenefitsN/A
- Joining Fee
- ₹799 + GST
- Annual Fee
- ₹799 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards RateEarn 12 YES Rewardz on ₹200 Online Spends Across Fashion, Beauty, Travel, Dining & Grocery, 8 YES Rewardz on Other Online Spends, and 4 YES Rewardz on Offline Transactions
Welcome BenefitsVouchers Worth ₹1,000
- Joining Fee
- ₹2,499 + GST
- Annual Fee
- ₹2,499 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
Welcome BenefitsN/A
- Joining Fee
- Rs. 999 + GST
- Annual Fee
- Rs. 999 + GST
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.
Welcome BenefitsN/A
- Joining Fee
- ₹599 + GST
- Annual Fee
- ₹599 + GST
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate8 RPs/₹200 Spent Online, 4 RPs/₹200 Spent Offline and 2 RPs/₹200 for Select Category
Welcome BenefitsN/A
- Joining Fee
- Rs. 49 + GST (Monthly)
- Annual Fee
- Rs. 49 + GST (Monthly)
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).
Welcome BenefitsN/A
- Joining Fee
- Rs. 9,999 + GST
- Annual Fee
- Rs. 4,999 + GST
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
Welcome Benefits40,000 Reward Points
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
Welcome BenefitsN/A
- Joining Fee
- Lifetime Free (Limited Time Offer)
- Annual Fee
- Lifetime Free (Limited Time Offer)
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards RateFor Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories
Welcome BenefitsN/A
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere
Welcome BenefitsN/A
- Joining Fee
- Rs. 1,499 + GST
- Annual Fee
- Rs. 1,499 + GST
- Best Suited For
- Health
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
Welcome BenefitsN/A
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App
Welcome BenefitsN/A
- Joining Fee
- Rs. 499 + GST
- Annual Fee
- Rs. 499 + GST
- Best Suited For
- Shopping
Rewards rate and welcome benefits
Rewards RateGet 1% cashback on all retail purchases and 3% cashback on selected transactions through YES Cart.
Welcome BenefitsN/A
- Joining Fee
- Rs. 50,000 + GST for Yes Private and Rs. 20,000 + GST for Yes Prime
- Annual Fee
- Rs. 10,000 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate24 Reward Points for every Rs. 200 spent on international spends, 16 Reward Points for every Rs. 200 spent on domestic spends.
Welcome BenefitsUpon successful first transaction made using this credit card, you will get up to 25,000 Reward Points.
- Joining Fee
- Rs. 999 + GST
- Annual Fee
- Rs. 999 + GST
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purchase16 reward points per Rs. 200 spent on travel and dining spends
Welcome BenefitsN/A
- Joining Fee
- Rs. 1,499 + GST
- Annual Fee
- Rs. 1,499 + GST
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate0.75% cashback on all retail spends, 5% cashback on movies & groceries.
Welcome BenefitsA cashback of Rs. 250 on spending Rs. 2500 within the first 30 days.
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping
Rewards rate and welcome benefits
Rewards Rate4 RPs/₹200 Spent on Dining and Travel. 2 RPs/₹200 Spent on All Categories Other than Select Categories
Welcome BenefitsN/A
All About the Top Yes Bank Credit Cards in India
The following is the list of best Credit Cards offered by the YES Bank in India. Ranging from premium to essential category, you can find various types of credit cards that will be best suited for different people with different spending habits and requirements:
Yes Bank Marquee Credit Card
The Marquee Credit Card is a card that offers a host of attractive features and benefits. With this card, you’ll have unlimited access to airport lounges, buy-one-get-one-free offers on movie tickets, discounts on food, and accelerated Reward Points. If you frequently shop online, you can earn an impressive 36 Reward Points for every transaction of Rs. 200. And for your offline purchases, you can earn 18 Reward Points. Additionally, this card provides Purchase Protection, which insures your online purchases of mobile phones and electronics.
Yes RESERV Credit Card
The card is also a premium offering by Yes Bank. One of the critical features of the card is the interest rate charged. You get charged an interest rate of 1.99% per month. The card comes with a nominal fee of Rs 1,999 when compared to the best-in-class benefits and privileges offered on this credit card. With this card, you get 24 Reward Points for every Rs. 200 spent on online shopping and 12 Reward Points for every Rs. 200 spent on offline shopping.
Yes ELITE Credit Card
Yes Premia/Elite credit card is another semi-premium offering by Yes Bank. The card carries an annual fee of Rs 999. Moreover, with this card, you get 12 Reward Points for every online spend of Rs. 200 and 4 Reward Points for every Rs. 200 spent on utilities, government services, insurance, etc. You get one free domestic lounge access every quarter and two international lounge access with Priority Pass on this credit card.
Yes SELECT Credit Card
With this credit card, you enjoy special access to various reward programs and exclusive benefits. This card offered by Yes Bank comes with a nominal annual fee of Rs 1200. Furthermore, you get eight reward points for every Rs. 200 spent online and four reward points for every Rs. 200 spent offline. Also, you get one complimentary domestic lounge access per calendar quarter, subject to 2 visits per quarter. Besides that, you also get purchase protection for mobile phones with this card.
Yes Private Credit Card
Yes Bank’s most premium offering Yes Private credit card is an invite-only card issued only to the high-end customers of the bank. With this card, you get three reward points for every Rs. 100 spent on international transactions and two reward points for every Rs. 100 spent on domestic spends. Furthermore, you enjoy several value-added benefits and privileges with this card, such as unlimited lounge access, special offers on hotel bookings, golf privileges, and insurance benefits. You get a charged joining fee of Rs 50,000. Also, you get charged a relatively low-interest rate of 1.2% per month on this card.
Yes Private Prime Credit Card
The card is an ultra-premium offering by Yes Bank. This invite-only card comes packed with a wide array of rewards and benefits for its elite customers. With this card, you get up to 3 reward points on every Rs. 100 spent on global spends, and 2 RPs on every Rs. 100 spent on domestic spends. Moreover, you also get premium benefits and privileges like unlimited lounge access, special offers on hotel bookings, golf privileges, insurance benefits, etc. You get a charged joining fee of Rs 50,000. Besides that, just like the Yes Private credit card, you get charged a relatively low-interest rate.
Wellness Plus Credit Card
The Wellness Plus credit card is a card offered by Yes Bank in a co-partnership with the Aditya Birla Multiply app. Get exclusive rewards and benefits on your health and wellness spending with this card. You get six reward points per Rs. 200 you spend 30 Reward Points per Rs. 200 you spend on chemist/pharmaceutical stores. In addition to this, you get eight complimentary access to domestic lounges (every year). Also, you get a life insurance cover worth Rs 1 crore.
Yes Bank Credit Card Rewards Point Earning
As mentioned earlier, all the YES Bank Credit Cards offer reward points or cashback on almost all the spends you make with your credit card. Some of the cards may offer Reward Points, others offer cashback, and some of them even offer both. Moreover, the reward rate may vary for different credit cards. Generally, premium cards that have a higher annual fee offer a higher reward rate as compared to cards that have a lower annual fee. Moreover, the reward/cashback rate can also be different in different categories. The following table will help you to understand the reward rate on the Top Yes Bank Credit Cards:
| Card | Reward Point |
| Yes RESERV | 24 Reward Points for every Rs. 200 spent on online shopping and 12 Reward Points for offline spends |
| Yes Bank Marquee | 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200 |
| Yes ELITE Credit Card | 12 Reward Points for every online spend of Rs. 200 and 6 Reward Points for every Rs. 200 spent offline |
| Wellness Plus | 6 Reward Points on every Rs. 200 you spend, 30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores |
| Yes SELECT Card | 8 Reward Points on every Rs. 200 spent online and 4 Reward Points on every Rs. 200 spent offline |
| Yes Private/Prime | 3 Reward Points per Rs. 100 on international spends and 2 Reward Points per Rs. 100 on domestic spends |
Reward Redemption
Earning Rewards on your credit card is only beneficial when you are aware of how to redeem the YES Bank Credit Card Reward Points, and you know how you can get the most out of these rewards. The Reward Points you earn with a YES Credit Card can be redeemed on the YES Rewardz portal, where you can choose any of the given options to redeem your rewards. You can also check the value of Reward Points on the portal and then go for an option that seems to be the most profitable to you:
| Credit Cards | Reward Redemption |
| Yes Bank Private Credit Card/Private Prime Credit Card | 1 Reward Point = Rs 1 |
|
Yes RESERV Credit Card Yes ELITE Credit Card Wellness Plus Credit Card Yes SELECT Credit Card |
1 Reward Point = Rs 0.25 on Hotel/Flight bookings 1 Reward Point = Rs 0.10 on for redemption against gift vouchers, product catalog, etc. |
Eligibility Criteria
Every YES Bank Credit Card has some eligibility criteria that are mandatory for applicants to get approved for a particular card. Such criteria depend on several factors like the applicant’s age, income, residential status, credit score, etc. The essential eligibility criteria required for the YES Credit Cards are mentioned in the table below:
- The age requirements are almost the same for all YES Bank Credit Cards. The age of the applicant should be between 21 years & 60 years to apply for a YES Credit Card.
- The income requirements may vary on a card-to-card basis. For premium cards, you will need to have a higher income compared to that for the basic cards.
- The applicant should have a decent credit score.
YES Bank Credit Cards Annual Fee
When choosing a credit card, one of the most important factors that every person looks for is the annual fee that the card carries. To compare various credit cards on the basis of the fee, you should be aware of their annual fee and the condition to get them waived off (if possible). To help you out with the same, we have mentioned the yearly fee and the fee waiver condition of all the best YES Credit Cards below:
| Credit Card | Joining Fees | Renewal Fees | Spend-Based Waiver |
| Yes Bank Marquee Credit Card | Rs. 9,999 + GST | Rs. 4,999 + GST | On Spending Rs. 10 Lakh in a Year |
| Yes Private/Prime Credit Card | Rs. 50,000 + GST | Rs. 10,000 + GST | Renewal fee waived off on spends of Rs. 25,00,000 in the previous year |
| Yes First Exclusive Credit/RESERV Card | Rs. 1,999 + GST | Rs. 1,999 + GST | The joining fee is waived on spending Rs. 40,000 in the first 90 days, and the renewal fee is waived if the total spend reaches Rs. 4 lakh or more in the previous year. |
| Yes Premia/ELITE Credit Card | Rs. 999 + GST | Rs. 999 + GST | The joining fee is waived on spending over Rs. 25,000 within the first 90 days of the card issuance, and the renewal fee is waived on spending Rs. 1.5 lakhs or more in the previous year. |
| Wellness Plus Credit Card | Rs. 1,499 + GST | Rs. 1,499 + GST | N/A |
| Yes Prosperity Edge/SELECT Credit Card | Rs. 399 + GST | Rs. 399 + GST | Joining fee waiver on spending Rs. 15,000 or more within 90 days of the card issuance, and the renewal fee is waived off on a spend of Rs. 75,000 or more in the previous year |
Other Fees & Charges
Apart from the annual fee, various fees and charges are associated with a credit card. These charges include the interest rate, cash advance fee, foreign currency markup fee, over-limit fee, late payment charges, and many more. Some of the most important fees & charges that are applicable on the YES Bank Credit Cards are as follows:
| Interest Charges on Revolving Credit | 1.2% to 1.99% for YES Private/Private Prime Credit Card – 1.99% per month on YES First Exclusive Card.– 3.5% per month on all other cards. |
| Cash Advance Fee | 2.5% of the transaction amount subject to a minimum of Rs. 300. – Nil for YES Private Credit Card |
| Foreign Currency Markup Fee | 1.75% on YES Private, YES First Exclusive. – 2.5% on YES Premia, – 3.4% to 3.5% on all other cards. |
Yes Credit Cards Features & Benefits
All the credit cards issued by YES Bank offer several exciting features and benefits in different categories. Different cards can have different advantages, but the following are some of the general benefits that you can get with most of the cards offered by the YES Bank:
- Welcome Benefits: The cardholders get the welcome benefits when they join a YES Bank Credit Card membership. The welcome benefits can be bonus Reward Points, complimentary gift vouchers, or several other types. Generally, cardholders need to pay the joining fee on time in order to avail of the welcome benefits.
- Reward Points/Cashback: Almost all credit cards nowadays offer some or the other types of rewards to the customers. The same is the case with YES Credit Cards. You get rewarded in the form of reward points/cashback on almost all your speeds using a credit card from YES Bank.
- Milestone Benefits: As suggested by the name, milestone benefits are offered when the cardholder achieves a pre-specified spend milestone within a given time period. The milestone benefits can also be of different types with different cards.
- Travel Benefits: Many credit cards are targeted at frequent travelers and offer several exclusive benefits to fulfill their requirements. Travel benefits provided by the YES Bank Cards include complimentary lounge access, discount offers on hotel/flight bookings, and many more.
- Other Benefits: The other benefits that may be offered with YES Bank Credit Cards include entertainment benefits, discount offers on dining, fuel surcharge waiver, health and wellness benefits, spend-based waiver of annual fee, and many more.
How to Apply for a Yes Bank Credit Card?
To provide its customers with more flexibility, YES Bank allows them to choose any method to apply for a credit card, including offline and online methods. If you want to apply offline, then you can visit your nearest Yes Bank branch along with the documents mentioned earlier and apply for the card that you want. However, if you want to apply with an online method, you need to follow the below-mentioned steps:
- To apply online with Card Insider.
- Click on the option “Apply Now” along with the Yes Bank Credit Card of your choice.
- Fill in all the required details and satisfy all other formalities.
- Submit your application for a new credit card.
How To Activate Yes Bank Credit Cards?
Once your application gets approved and you receive your YES Bank Credit Card, the first thing you will be required to do is activate your card. The following are different ways by which you can get your card activated:
- You can easily activate your credit card via a YES Bank ATM nearest to you. Just visit the ATM and find an option to generate a credit card PIN from the main menu.
- Another method to get your YES Credit Card activated is via internet banking. Just register/log in to your Internet banking account and look for an option to activate your card there.
- If you need help with the above methods, you can reach out to your credit card customer care or visit your nearest branch. The bank officials will surely help you activate your card.
YES Bank Credit Cards Login/Netbanking
To avail of the Internet banking facilities on our credit card, you will first need to register your card. If you want to register your Yes Card for internet banking, you can follow the steps given below:
- Visit the YES Bank’s official website.
- Click on ‘Login’ and then on the option ‘Get Started’ under Credit Cards.
- Now, click on the option ‘Register Using Credit Card.’
- Enter all the required details of your card and proceed further accordingly.
YES Bank Credit Card Customer Care
The YES Bank also provides its cardholders with excellent customer support and various ways to contact YES Bank customer care. Following are a few ways to contact YES Bank Credit Card customer care in case of any doubts/queries/complaints:
- The YES Bank cardholders can contact the customer via call on the 24*7 toll-free number 1800 103 1212.
- The cardholders can also contact via email at yestouch@yesbank.in.
- Another way to get your queries solved is to visit your nearest branch and inquire with the bank officials regarding the same.
How to Compare Yes Credit Cards & Choose The Best One?
Deciding the right credit card for yourself takes more work. It takes really good research and some wise decisions. Firstly, you need to analyze your spending habits, i.e., understand the categories where you generally spend the most. Your next step should be to look for the features and benefits of all the YES Bank Cards available in the market and filter out the ones that suit your requirements. Once you have filtered out some of the best cards, you should compare them on the basis of different factors, including annual fees, reward programs, other benefits, etc, and go with the one that appears to suit you the most with the least annual fee and additional charges.
However, people who want to have a premium card with a higher annual fee can try getting the Yes Bank Marquee Credit Card.
Best Lifetime Free Yes Bank Credit Cards
Recently Yes Bank came out with the Yes Bank RuPay Credit Card, which is a lifetime credit card. You can also link this credit card to the UPI application of your choice. There are a few other exclusive cards that come with a low annual fee and offer several exciting benefits. Suppose you are someone who wants to have a YES Bank Credit Card with minimum charges. In that case, you can look for any one of these cards: YES Prosperity Rewards Plus/ACE Credit Card (yearly fee – Rs. 399) or YES Prosperity Edge/Select Credit Card (annual fee – Rs. 399).
Also, you can check the following pages for more information about YES Bank Credit Cards and their usage.
Quick Links
Frequently Asked Questions
What is the reward redemption fee charged on Yes Bank credit cards?
You are not charged with any reward redemption fee on the Yes Private, Yes Marquee, and Yes Private Prime credit cards. You are assigned a reward redemption fee of Rs. 100 per redemption on all other Yes Bank credit cards.
Do any of YES Bank Credit Cards have foreign currency markup fees below 3%?
The Yes Bank Marquee Credit Card charges a forex currency markup fee of 1% of the total transaction amount.
Can I get any YES Bank Credit Card without having any stable income / ITR?
Yes, some YES Bank credit cards can be issued to customers against a fixed deposit even without any income proof. A few of these are: Yes Prosperity Rewards Plus Credit Card can be issued against a fixed deposit of Rs. 30,000.
Which of the above-mentioned Yes Bank cards provides international airport lounge access?
You can access international and domestic lounges with the Yes Bank Marquee, Prime, and Private credit cards.
Do I get charged with an add-on card fee on Yes Bank credit cards?
No, the Yes Bank does not charge any add-on card fee for any credit card issued by them.
What is the interest-free period provided along with Yes Bank credit cards?
The cardholders get an interest-free period of up to 50 days. However, the interest-free period is not applicable in case the previous month's statement balance has yet to be cleared in full.
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