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YES Bank · Mastercard / Visa · हिन्दी

YES Bank SELECT Credit Card: full review

The YES SELECT (formerly YES Prosperity Edge) is a low-fee rewards card that earns about 1% online and 0.5% offline at ₹0.25 a point. The ₹599 fee is easy to waive, but the long list of excluded categories and the modest offline rate make it a backup card rather than a main one.

Apply now ↗Annual fee: ₹599 + taxes
Last updated: October 2026 · Current terms verified
YES BANK
VISA
)))
SELECT
ASHOK KUMAR
12/28
₹599 + taxes (first-year fee waived on ₹10,000 spend in the first month; renewal waived on ₹1,00,000 spend in the year before renewal)Annual fee
8 reward points per ₹200 online (about 1% at ₹0.25 a point); 4 points per ₹200 offline (about 0.5%); 2 points per ₹200 on utilities and cable TV (about 0.25%), capped at 150 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, railways, tolls or jewellery; overall cap of 5,000 points a statement cycleReward structure
Lounge access (YES Bank's card page does not list the number of visits)Lounge access

Key benefits of the YES Bank SELECT Credit Card

8 reward points per ₹200 on online spends (about 1% at ₹0.25 a point)4 reward points per ₹200 on offline spends (about 0.5%)2 reward points per ₹200 on utilities and cable TV, capped at 150 points a statement cycleOverall cap of 5,000 reward points a statement cycleGolf benefit at partner courses (not on cards issued against an FD)Fuel surcharge waiver of up to ₹125 a statement cycleFirst-year fee waived on ₹10,000 spend in the first monthRenewal fee waived on ₹1 lakh of annual spend
Apply now ↗ Min. income: ₹4L+/year · Credit score: 700+
Pros and cons
Pros
✓ About 1% on all online spends, with no platform restrictions
✓ Low ₹599 fee, waived on ₹1 lakh of annual spend
✓ First-year fee waived on just ₹10,000 of spend in the first month
✓ Simple online and offline earn rates
Cons
✗ Only about 0.5% on offline spends
✗ No points on fuel, rent, insurance, education, railways, tolls or jewellery
✗ 3.5% forex, poor for international use
✗ Reward points capped at 5,000 a statement cycle
Quick facts
Issuer YES Bank
Network Mastercard / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹599 + taxes (first-year fee waived on ₹10,000 spend in the first month; renewal waived on ₹1,00,000 spend in the year before renewal)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹599
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Lounge access (YES Bank's card page does not list the number of visits)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceYES Bank's SELECT card page (point value of ₹0.25 as commonly reported; YES Bank's page does not state it) · Last checked October 2026
Recent updates

Corrected from YES Bank's card page: the card earns 8 points per ₹200 online and 4 offline, about 1% and 0.5% at ₹0.25 a point, not 3% and 1.5%. Utilities earn about 0.25%, capped at 150 points a statement cycle. The fee is ₹599, not ₹1,199.

Online spends3%1%
Offline spends1.5%0.5%
Utility bills0.5%0.25% (capped)
Annual fee₹1,199₹599
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Frequently asked questions
The annual fee for YES Bank SELECT Credit Card is ₹599 + taxes (first-year fee waived on ₹10,000 spend in the first month; renewal waived on ₹1,00,000 spend in the year before renewal). The joining fee is ₹599.
The main benefits of the YES Bank SELECT Credit Card are: 8 reward points per ₹200 on online spends (about 1% at ₹0.25 a point); 4 reward points per ₹200 on offline spends (about 0.5%); 2 reward points per ₹200 on utilities and cable TV, capped at 150 points a statement cycle; Overall cap of 5,000 reward points a statement cycle; Golf benefit at partner courses (not on cards issued against an FD); Fuel surcharge waiver of up to ₹125 a statement cycle; First-year fee waived on ₹10,000 spend in the first month; Renewal fee waived on ₹1 lakh of annual spend.
8 reward points per ₹200 online (about 1% at ₹0.25 a point); 4 points per ₹200 offline (about 0.5%); 2 points per ₹200 on utilities and cable TV (about 0.25%), capped at 150 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, railways, tolls or jewellery; overall cap of 5,000 points a statement cycle
YES Bank SELECT Credit Card is best for Online spenders wanting a low-fee rewards card. The YES SELECT (formerly YES Prosperity Edge) is a low-fee rewards card that earns about 1% online and 0.5% offline at ₹0.25 a point. The ₹599 fee is easy to waive, but the long list of excluded categories and the modest offline rate make it a backup card rather than a main one.
The minimum income requirement for YES Bank SELECT Credit Card is ₹4L+/year. A minimum credit score of 700+ is also recommended.
Yes, YES Bank SELECT Credit Card offers Lounge access (YES Bank's card page does not list the number of visits).
YES Bank SELECT Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
Compare with similar cards
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YES Bank SELECT₹599 + taxes
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