Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
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. The bank provides a diverse range of products & services across various segments to its customers and stakeholders, and the credit card services that are offered by the bank are trusted by thousands of people in the country. 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 card at the end of January 2024 stood at more than 19 lakh. 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.
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.
Travel | Shopping |
Reward Points
Movies | Travel | Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Movies | Travel | Shopping |
Reward Points |
Shopping |
Reward Points |
Shopping |
Reward Points
Shopping |
Reward Points
Travel |
Reward Points
Shopping |
Reward Points
Travel | Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
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:
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.
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 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.
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 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.
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.
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.
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 |
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. |
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:
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 |
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. |
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:
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:
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:
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:
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:
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.
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.