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▾Yes Bank Select Credit Card Review
Best for: Salaried earners (₹50K+/month) or self-employed (₹7.5L+ ITR) who shop heavily online and want a low-fee card with preferential 2.75% forex. Existing YES Bank cardholders cannot apply.
- Tiered Rewardz Points: 8 RP/₹200 on online shopping (~4 RP/₹100), 4 RP/₹200 offline (~2 RP/₹100), 2 RP/₹200 on select categories
- Preferential 2.75% forex markup — well below 3.5% standard
- BOGO movie ticket via District (BookMyShow)
- Dedicated Rewardz Redemption Portal
- Optional virtual RuPay add-on for existing Mastercard/Visa holders
- First-year fee waived on just ₹10,000 spend in 30 days; renewal waived on ₹1L annual spend
- Excluded categories (no RP): rental, wallet, fuel, government, marketing/advertising, cash withdrawals, EMI
- Forex 3.5% — below benchmark
- Yes redemption catalogue narrower
- ₹3K fee is meaningful
- Dining programme requires Yes app booking
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹2,999 + GST |
| Renewal fee | ₹2,999 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Base 8 RP per ₹200 (4% headline, 1% effective at ₹0.25/point). Dining 16 RP per ₹200 (8% headline). Milestone voucher at ₹3L annual spend. Partner restaurants offer direct 15% discount on bill.
Key benefits
- 6 domestic + 4 international lounges/year (Priority Pass)
- Dining programme — 15% off at 1,000+ partner restaurants
- Milestone voucher at ₹3L spend
- Air accident ₹1.5 crore
- Airport transfer vouchers (select routes)
Who the Yes Bank Select is for
Yes Bank mid-premium customers who eat out often. Direct competition with Axis Select and HDFC Regalia Gold. Similar value, pick based on banking relationship.
Final verdict
A solid mid-premium option for Yes customers. Not a differentiator vs competitors, but complete feature set at fair price.
FAQ
Does Select include golf?
No — golf is reserved for Yes Marquee and above.
Is dining programme same as EazyDiner?
Different network. Yes partners with Dineout-type platform for the 15% structural discount.
Can I get Select if I don't bank with Yes?
Yes — open to all qualifying applicants. Yes Bank savings-account customers get faster approval.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.