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Airport Lounge Access
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Travel
Dining
Cashback
6% cashback across all travel spends
6% cashback on all dining spends
1% unlimited cashback on UPI transactions
Joining Fee: ₹0+ Taxes
Annual/Renewal Fee: ₹0+ Taxes
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Shopping
Rewards
Online Shopping
4X rewards on online spends
2X rewards on offline spends
1% fuel surcharge waiver on fuel spends
Joining Fee: ₹499+ Taxes
Annual/Renewal Fee: ₹499+ Taxes
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Lounge Access
Rewards
Online Shopping
2X rewards on online transactions
Up to 4 domestic lounge visit every year
Comparatively low forex mark-up fee of 2.75%
Joining Fee: ₹599+ Taxes
Annual/Renewal Fee: ₹599+ Taxes
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Lounge Access
Rewards
Online Shopping
12 reward points per Rs. 200 spent online
8 domestic lounge visits in a year
25% off on movie tickets booked via BookMyShow
Joining Fee: ₹999+ Taxes
Annual/Renewal Fee: ₹999+ Taxes
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Rewards
Up to 30 reward points per Rs. 200
Up to 8 domestic lounge visits per year
Multiple reward redemption options
Joining Fee: ₹1,499+ Taxes
Annual/Renewal Fee: ₹1,499+ Taxes
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Lounge Access
Rewards
Online Shopping
24 reward points per Rs. 200 on online spends
Up to 18 complimentary lounge visits every year
Relatively low forex mark-up fee of 1.75%
Joining Fee: ₹2,499+ Taxes
Annual/Renewal Fee: ₹2,499+ Taxes
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Travel
Premium
Rewards
Unlimited access for primary & add-on user
Up to 4.5% back as reward points
Save up to Rs. 2,400 per month on BookMyShow
Joining Fee: ₹9,999+ Taxes
Annual/Renewal Fee: ₹4,999+ Taxes
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Travel
Premium
Rewards
2X rewards on international spends
Unlimited domestic & international visits
Exclusive privileges with premium hotels
Joining Fee: ₹50,000+ Taxes
Annual/Renewal Fee: ₹10,000+ Taxes
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Travel
Shopping
Rewards
2 reward points per Rs. 200 spent on retail
Low foreign exchange markup fee of 3.40%
1 point per Rs. 200 spent on select categories
Joining Fee: ₹499+ Taxes
Annual/Renewal Fee: ₹499+ Taxes
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Travel
Rewards
8 reward points per Rs. 200 spent
8 domestic lounge visits yearly
Low forex markup fee of 1.75%
Joining Fee: ₹999+ Taxes
Annual/Renewal Fee: ₹999+ Taxes
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*Terms & Conditions
Compare Best YES Bank Credit Cards
Explore YES Bank cards across categories
Make everyday purchases more rewarding
Pay via YES BANK credit card and earn value-back
Explore pre-qualified credit card offers
Enjoy a seamless digital application experience
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YES BANK offers several credit cards catering to varied needs and the key features and benefits differ as per the card type. However, some of the common benefits available on almost all YES BANK Credit Cards have:
Joining Fee: ₹ 0
Travel
Dining
Cashback
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Joining Fee: ₹ 9999
Travel
Premium
Rewards
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Joining Fee: ₹ 50000
Travel
Premium
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Joining Fee: ₹ 999
Lounge Access
Rewards
Online Shopping
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Joining Fee: ₹ 2499
Lounge Access
Rewards
Online Shopping
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Joining Fee: ₹ 50000
Travel
Premium
Rewards
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Joining Fee: ₹ 9999
Travel
Premium
Rewards
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Joining Fee: ₹ 2499
Lounge Access
Rewards
Online Shopping
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Joining Fee: ₹ 499
Shopping
Rewards
Online Shopping
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Joining Fee: ₹ 599
Lounge Access
Rewards
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Joining Fee: ₹ 0
Travel
Dining
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You can get any YES BANK lifetime free credit card or a card that charges an annual fee, depending on your requirement and card benefits. However, there are some common fees and charges which are applicable to all YES BANK Credit Cards as 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.
At Paisabazaar, we believe access to credit should be simple, transparent, and inclusive — especially in a diverse market like Bharat. My team and I are focused on building a platform that offers wide credit card choices with a seamless digital experience, suiting the needs of first-time users as well as card-savvy users. With the trust of 50 million+ customers, we’re redefining how India chooses credit cards — making it faster, safer, and more personalised than ever.
Santosh Agarwal
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:
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 |
Know about YES BANK FD Credit Card for more lenient eligibility criteria.
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.
Here are a few links to help you know how to manage your YES BANK Credit Card:
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Credit Card Partners
YES BANK PaisaSave Credit Card (FREE for Limited Time)
Joining Fee: ₹ 0 onwards
TravelDiningCashback
HSBC Live+ Credit Card
Joining Fee: ₹ 999 onwards
DiningCashbackYES 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.
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.
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.
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.
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.
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.
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.
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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