YES Bank SELECT Credit Card
Lounge Access
Reward Points
Online Shopping
1st Year Fee: ₹599* Plus Applicable Taxes
Online Shopping
2X rewards on online transactions
Lounge Access
Up to 4 domestic lounge visit every year
Low Forex Mark-up
Comparatively low forex mark-up fee of 2.75%
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About YES Bank SELECT Credit Card
YES Bank SELECT Credit Card, previously known as YES Prosperity EDGE Credit Card, is a reward-focused card offering accelerated value-back on online spends. The card also offers rewards on categories that are often excluded such as utilities, education, insurance, etc. though at a much lower rate. However, while the earning rate is high, the redemption value of up to Rs. 0.25 brings down the overall value-back. Apart from its rewards program, the card extends travel and lifestyle benefits such as complimentary domestic lounge access and golf benefits. Read the detailed features and benefits of the card below, along with reviews, pros and cons.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit YES Bank’s website.
YES SELECT Rewards Structure
Reward Earning
- 8 YES Rewardz Points for every Rs. 200 spent on online transactions1
- 4 YES Rewardz Points for every Rs. 200 spent on offline transactions1
- 2 YES Rewardz Points for every Rs. 200 spent on select categories2
YES Bank Reward Subscription Plan
Cardholders who wish to earn accelerated rewards on their YES Bank Credit Card can choose the reward subscription plan, wherein they can earn 3X or 5X rewards depending on the chosen plan. For YES Bank SELECT Credit Card, the yearly plans are as follows:
Rs. 1,000 Plan:
- 2X rewards above the regular reward rate on online spends
- 3X rewards above the regular reward rate on offline and select category spends
Other Features & Benefits
Lounge Access
- 1 complimentary domestic lounge visit per quarter
Golf Benefit
- 4 complimentary rounds of green fees every year at select golf courses in India
- 1 complimentary golf lesson at select golf courses in India
Low Forex Mark-up
- Preferential foreign exchange mark-up fee of 2.75%
Fuel Surcharge Waiver
- 1% fuel surcharge waiver for fuel spends between Rs. 400 and Rs. 5,000
Fees & Charges
| Particulars | Amount | ||||||
|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 599 + Taxes (waived off on spending Rs. 10,000 or more within 1 month of card setup) | ||||||
| Annual Fee | Rs. 599 + Taxes (waived off on spending Rs. 1 Lakh or more in the preceding year) | ||||||
| Finance Charges | 3.99% per month (47.88% per annum) | ||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You mostly shop online and would like to save on your online spends
You want to earn rewards on utilities, insurance and education spends
You travel only a few times in a year and do not need many travel-centric features
You already have other cards catering to dining, movies and other lifestyle spends
Eligibility Criteria
Age: 21 to 60 years
Occupation: Salaried or Self-employed
Min. Income for Salaried: Rs. 50,000 p.m.
Min. Income for Self-employed: ITR of Rs. 7.5 Lakh or above
Paisabazaar Review
What do we like about this card?
YES Bank SELECT Credit Card can be a good option for those who spend a significant amount online and prefer getting value-back as reward points. Complimentary domestic lounge visits and a relatively low forex mark-up fee can help cardholders save on their travel expenses. However, considering a redemption ratio of 4:1, even the highest value-back (on online spends) comes to 2% - a much lower rate as compared to entry-level cashback cards. Consumers who wish to save on their online spends can find better value in cards like YES Bank Paisabazaar PaisaSave or Cashback SBI Card. Those loyal to a brand can also consider co-branded online shopping cards.
Pros
- Accelerated rewards on all online spends irrespective of category or brand
- Comparatively lower forex mark-up fee of 2.75%
- Low annual fee and easily achievable fee waiver condition
- Up to 4 free golf rounds and 12 free golf lessons in a year
Cons
- Low redemption value of reward points
- Only 4 free domestic lounge visits in a year and tied to a spend-based condition
Frequently Asked Questions
Everything you need to know about this credit card
The credit limit is determined basis your income, current debts, and several other internal policies of the bank. The credit limit assigned to you will be disclosed only when you receive the card.
No. There is no complimentary international lounge visit on YES Bank SELECT Credit Card.
To book a golf game, you can call the toll free number for golf concierge – 1800-102-6263. You would not get golf lessons at all golf courses, so if you want to avail the complimentary lesson, you must choose the right golf course. Bookings must be made at least 5 days in advance. You can read the detailed terms and conditions on YES Bank’s website.
No. Existing YES Bank credit cardholders are not eligible for this credit card.
You can contact YES Bank credit card customer care on 1800 103 1212 (Toll Free for Mobile & Landlines in India) or +91 22 4935 0000 (When Calling from Outside India).
Footnotes
- YES Rewardz Points will not be accrued on Government & Marketing / Advertising category transactions, Rental, Cash withdrawals, Wallet and Fuel, Post Purchase EMI & Instant EMI transactions.
- Select Categories include Cable, Satellite and Other Pay Television/Radio/Streaming Services, Utilities, Insurance and Educational Services.
- Cardholders must spend Rs. 50,000 or more in the previous calendar quarter to be eligible for complimentary domestic lounge access.
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