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YES BANK Credit Card

Home Credit Card YES BANK

YES BANK Credit Cards are available in different variants catering to varied requirements, such as shopping, travel, rewards, cashback, lounge access and more. One can find credit cards with low annual fee and basic benefits as well as premium cards with benefits more suited to high-income customers, like complimentary airport lounge access, milestone benefits, and extensive lifestyle-related offers. Read on to know about YES BANK Credit Cards in detail along with their features, charges and ratings.

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Updated: 31-12-2025 13:03:01 PM

Top YES BANK Credit Cards in Jan 2026

Below are some of the best YES BANK credit cards. The list includes credit cards across different categories- rewards, cashback, travel, etc. It is advised to read the card features in detail and compare them with cards from other issuers before making a choice.

YES Private Credit Card
private-credit-card
4/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access with 12 guest visits and 0.5% forex markup

Up to 2.5 lakh Reward points & Rs. 9,000 Oberoi voucher on joining

Travel
Premium
Rewards
Check Eligibility

Product Details

  • 40 and 20 Reward points per Rs. 200 spent on international and domestic purchases respectively
  • $100 savings per person on Globus and Monograms vacations
  • Offers at Mandarin Oriental Hong Kong, Parkroyal on Pickering & Shangri-la (Singapore) & Intercontinental Chennai Mahabalipuram Resort
  • B1G1 movie offer with up to 4 free tickets with max. Rs. 250 off on each per month and 50% off, max. Rs. 1,000, on events
  • 12 free domestic golf lessons with 12 free rounds of green fees for cardholders & 4 for guests per year; Offers on select international golf courses
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YES BANK Marquee Credit Card
marquee-credit-card
4/5

Joining fee: ₹9999

Annual/Renewal Fee: ₹4999

36 YES Rewardz Points per Rs. 200 spent online & 18 on offline spends

Up to 24 domestic & unlimited international airport lounge visits per year

Travel
Premium
Rewards
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Product Details

  • 1% forex mark-up fee
  • Up to 12 complimentary golf lessons in a year & 4 green fee waivers at select golf courses in India
  • 60,000 and 20,000 YES Rewardz Points on joining and renewal fee payments respectively
  • B1G1 offer with up to Rs. 800 off per BookMyShow movie ticket with max. 3 free tickets per month
  • Min. 15% off on dining via Dining Fiesta program
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YES BANK RESERV Credit Card
yes-first-exclusive-credit-card
3.5/5

Joining fee: ₹2499

Annual/Renewal Fee: ₹2499

Up to 12 domestic & 6 international airport lounge access per year

24 YES Rewardz Points per Rs. 200 online spend and 12 on offline spends

Lounge Access
Rewards
Online Shopping
Check Eligibility

Product Details

  • 6 YES Rewardz Points per Rs. 200 spent on other categories; Low forex mark-up fee of 1.75%
  • 8,000 reward points on renewal fee payment
  • 25% off up to Rs. 250 per month on BookMyShow movie tickets
  • 4 complimentary rounds of green fees per year (1 per month), 1 golf game per month at select golf courses
  • Choice to subscribe to 3X/5X rewards plans by paying Rs. 3,500/Rs. 5,000 per year
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YES BANK Paisabazaar PaisaSave Credit Card
paisabazaar-paisasave-credit-card
4/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

6% cashback on travel and dining spends

Unlimited 1% cashback on all other spends, including UPI

Travel
Dining
Cashback
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Product Details

  • 6% cashback is capped at Rs. 3,000 per month, post which 1% cashback will apply
  • Earned reward points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
  • Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
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YES BANK Wellness Plus Credit Card
wellness-plus-credit-card
3.5/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

30 reward points per Rs. 200 spent on chemists/pharmaceutical stores

Unlimited consultations with General Practitioner, Nutritionist & Specialist

Rewards
Check Eligibility

Product Details

  • 12 complimentary fitness sessions every month, including gym, yoga, Zumba, etc.
  • Annual complimentary preventive health check-ups across 31 parameters
  • Annual complimentary eye and dental check-ups
  • 6 reward points per Rs. 200 spent on other purchases; 10 Reward Points = 1 InterMile or 1 Club Vistara Point
  • Up to 2 complimentary visits to domestic airport lounges every calendar quarter
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YES BANK ELITE+ Credit Card
yes-premia-credit-card
3.5/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

12 YES Rewardz Points per Rs. 200 for online & 6 for offline shopping

Up to 8 domestic and 3 international airport lounge visits a year

Lounge Access
Rewards
Online Shopping
Check Eligibility

Product Details

  • 4 YES Rewardz Points per Rs. 200 on select categories; 10 YES Rewardz Points = 1 InterMile or 1 CV Point
  • 4 rounds of green fee waiver and 12 complimentary golf lessons per year, max. 1 each in a month
  • 25% off, up to Rs. 250 per month, on movie tickets booked via BookMyShow
  • Renewal fee waived on reaching Rs. 2 lakh annual spends; Forex markup of 2.75%
  • Earn 3x or 5x YES Rewardz Points on paying additional fee worth Rs. 1,500 or Rs. 2,500 respectively
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YES BANK SELECT Credit Card
prosperity-edge-credit-card
3/5

Joining fee: ₹599

Annual/Renewal Fee: ₹599

8 YES Rewardz Points per Rs. 200 for online & 4 for offline shopping

1 complimentary golf lesson a month at select Indian golf courses

Lounge Access
Rewards
Online Shopping
Check Eligibility

Product Details

  • 2 YES Rewardz Points per Rs. 200 select category spends
  • 4 complimentary rounds of green fees per year at golf courses in India
  • Renewal fee waived off on spending Rs. 1 lakh during the previous year
  • Up to 1 complimentary visit to domestic airport lounges per quarter; Preferential forex markup of 2.75%
  • Earn 3x or 5x YES Rewardz Points on paying additional fee of Rs. 1,000 or Rs. 2,000 respectively
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YES BANK ACE Credit Card
prosperity-reward-plus-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

8 YES Rewardz Points per Rs. 200 for online & 4 for offline shopping

Up to 5X YES Rewardz Points via add-on subscription plans

Shopping
Rewards
Online Shopping
Check Eligibility

Product Details

  • 2 YES Rewardz Points per Rs. 200 spent on other categories, like recharge, utility, insurance, govt. and education
  • Annual fee waived on spending minimum Rs. 50,000 during the previous year
  • Joining fee reversed on making Rs. 5,000 spends within the first 30 days; Forex mark-up fee of 2.75%
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends worth Rs. 400 to Rs. 5,000
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On this page
YES BANK Credit Cards: Fees & Charges
YES BANK Credit Cards: Eligibility & Documentation
Compare & Apply for the Best YES BANK Credit Card
Quick Links to Manage your YES BANK Credit Card
FAQs

YES BANK Credit Cards: Fees & Charges

Some common fees and charges applicable to YES BANK Credit Cards are mentioned in the table below:

Fees and Charges Details
Joining/Annual Fee Varies from one card to another
Finance Charges* Reserv & Marquee: 2.99% p.m. (35.88% p.a.)
Others: 3.99% p.m. (47.88% p.a.)
Late Payment Charges For outstanding amount of:
Up to Rs. 500: Nil
Above Rs. 500: Rs. 1,350 or 10% of total outstanding amount, whichever is lower

*Finance charges may be different for cards issued against fixed deposits and for NRI card variants.

Effective 15 October 2025, the following fee is going to be applicable across all YES BANK consumer retail and business credit cards on tolls/bridges and fuel transactions:

1% fee + GST, up to Rs. 5,000 per transaction, on fuel/tolls/bridges transactions worth above Rs. 10,000

Click here for the detailed charges and other terms and conditions applicable to YES BANK Credit Cards.
Click here for the detailed fees and charges, along with other terms and conditions applicable to co-branded YES BANK Credit Cards.

YES BANK Credit Cards: Eligibility & Documentation

YES BANK offers credit cards to individuals with a good credit score and history. Apart from the credit score, some common eligibility criteria and the documents you are required to fulfil and share are as follows:

  • Age: Between 21 years and 60 years 
  • Employment: Salaried or self-employed 
  • Documents Required: Click here for the list of documents accepted by YES BANK.

The minimum income requirement for some of the top YES BANK Credit Cards is as follows:

Credit Cards Net Monthly Income for Salaried ITR per annum for Self Employed
YES BANK Wellness Plus Credit Card >= Rs. 20,000 >= Rs. 7.5 lakh
YES BANK ACE Credit Card >= Rs. 25,000 >= Rs. 7.5 lakh
YES BANK SELECT Credit Card >= Rs. 50,000 >= Rs. 7.5 lakh
YES BANK ELITE+ Credit Card >= Rs. 1 lakh >= Rs. 9 lakh
YES BANK RESERV Credit Card >= Rs. 2 lakh >= Rs. 18 lakh
YES BANK MARQUEE Credit Card >= Rs. 3 lakh >= Rs. 24 lakh
YES BANK BYOC Credit Card
 >= Rs. 25,000 >= Rs. 7.5 lakh
YES BANK UNI Credit Card >= Rs. 25,000 >= Rs. 7.5 lakh
YES BANK Freo Credit Card >= Rs. 25,000 >= Rs. 5 lakh
YES BANK Rio Credit Card >= Rs. 25,000 >= Rs. 5 lakh

Also Read: YES BANK Premium Credit Cards

Compare & Apply for the Best YES BANK Credit Card

You can apply for top credit cards offered by YES BANK and other providers via Paisabazaar through a completely digital process. Follow the steps given below:

Step 1: ENTER YOUR MOBILE NUMBER
Provide your mobile number in the form to begin the application process.

Step 2: VERIFY YOUR NUMBER WITH OTP
Enter the OTP received on your number and check the pre-qualified credit card offers available for you.

Step 3: CHOOSE A CARD
Compare the available options and select the card that best matches your requirements.

Step 4: APPLY AND SUBMIT DOCUMENTS
Fill the detailed form and provide documents for smooth application processing.

In case you are unable to view the card of your choice at our end, you may visit and apply directly at the bank’s website.

FAQs

Q. I want to apply for a YES BANK Credit Card. Which one will best suit me?
A. YES BANK offers a variety of credit cards which cater to frequent travellers, shoppers, and so on. We suggest that you first figure out what type of spender you are. If you frequently travel then perhaps a travel card will best suit your needs. However, if you like shopping online then a card that provides reward points or cashback on online spends will be a better option.

Q. What are the ways for YES BANK Credit Card bill payment?
A. You can pay your credit card bill using facilities like NEFT/IMPS/RTGS, cheque, BillDesk (net banking), cash payment, iris by YES BANK (mobile banking app), YES Pay app, or YES ROBOT. If you are a YES BANK account-holder, then you can also pay your YES BANK Credit Card bill by opting for standing instruction to automatically debit a pre-set portion of your monthly bill from your savings or current account to your credit card account.

Q. How can I generate YES BANK Credit Card PIN?
A. To generate your credit card PIN you can login to YES Online and then access the credit card dashboard. However, if you have not registered for YES Online then you can click here and fill all the card details, date of birth, Aadhaar card number to proceed with setting your credit card PIN. For further details and steps, you can click here.

Q. How can I earn reward points on YES BANK Credit Cards?
A. Depending on your YES BANK credit card variant, you can earn reward points on almost all spending categories. Certain purchases will be rewarded with accelerated bonus points. However, most YES BANK cards do not reward fuel spends.

Q. What should I do if I notice an unauthorised transaction on my YES BANK Credit Card?
A. You should immediately contact the YES BANK Credit Card customer care number i.e. 18001031212 (toll free) or +91 22 49350000 (outside India) and get the card closed. This will stop any further misuse of the card. You can check the transaction details in your YES BANK credit card statement.

Q. Can I use my YES BANK Credit card internationally?
A. Yes, you can use your YES BANK Credit Card internationally. Note that you will be liable to pay a foreign transaction fee on all international purchases.

Q. How can I check the status of my YES BANK credit card application status?
A. You can easily check your YES BANK credit card application status by visiting the YES BANK Credit Card Application Status page by clicking here. For detailed instructions on how to check the status, click here.

Q. My credit score is 320. Can I apply for YES BANK Credit Card?
A. Your chances of getting a YES BANK Credit Card application are quite low with a credit score of just 320. So, if you want your application to be approved, make sure you maintain a high credit score of around 750 or above. However, you can apply for entry-level cards like YES BANK Klick Credit Card, YES BANK Rio Credit Card and more. 

Q. How can I connect with YES BANK Credit Card customer care?
A. You can connect with YES BANK Credit Card customer care by calling on 1800 103 1212 (toll-free for mobile & landlines in India) or +91 22 4935 0000 (when calling from outside India).

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