The YES Select Credit Card costs Rs 599 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.5%. The forex markup is 3.5%. Lounge visits in India: 1 per quarter (spend-gated). Read from the issuer's documents and an aggregator on 12 Oct 2026.
Joining Rs 599 waived on Rs 10,000 spend in 1 month; annual Rs 599 waived on Rs 1 lakh spend in 12 months. Formerly YES Prosperity Edge. NRI and FD-backed variants exist.
Rewards
Welcome benefit
None found.
Reward currency
YES Rewardz points
Base earn
4 YES Rewardz points per Rs 200 on offline shopping (except select categories)
Base returnunverified
0.5%
Point valueunverified
Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn
8 points per Rs 200 on online shopping (except select categories); 2 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)
Caps
Issuer page: 5,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 150 points per cycle. MITC: flights/hotels redemption max 1,00,000 points a month.
Spends that earn nothing
From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).
Points expiry
3 years from earning
Reward notes
Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 offline x Rs 0.25 = 0.5%.
Needs Rs 50,000 spend in the previous calendar quarter. Guests charged.
Forex markup
3.5%
Fuel surcharge waiver
1% on Rs 500-3,000 transactions, cap Rs 125 per statement
Other freebiesunverified
Issuer page: Buy 1 Get 1 movie ticket on District (up to Rs 150 off the second ticket, once per calendar month); Buy 1 Get 1 coffee at eligible mall outlets; purchase protection plan; golf programme (not available on the FD-backed card; rounds not stated). Aggregator: 4 golf green-fee rounds a year and a monthly lesson.
Charges and eligibility
Interest per month
3.99%
Late payment fee
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Age 21-60; minimum net salary Rs 50,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. NRI variant: NRE/NRO fixed deposit of Rs 3 lakh or more.
Fine-print notes
Issuer product page read 12 Oct 2026: FOREX CONFLICT: the page states 'Foreign Currency Markup at 3.50%' and a footnote says the markup applicable prior to 15 Jun 2026 was 2.75%. The catalog had 2.75% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 3.5 from the page. The NRI Select page still shows 2.75% and appears not to have been updated. Confirms fees (Rs 599 first year waived on Rs 10,000 retail spend in one month; Rs 599 renewal waived on Rs 1 lakh), 8/4/2 points per Rs 200, the 5,000-point cap, the 150-point utility cap and fuel waiver cap Rs 125. The page intro mentions lounge access but no visit counts appear in the page text. Network is not stated (golf footnote says 'VISA or Mastercard'). NRI variant is charged 2.49% a month. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. FD and NRI variants are charged 2.49% a month interest.
Questions
What is the annual fee of the YES Select Credit Card?
Rs 599 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the YES Select Credit Card give airport lounge access?
Yes. In India: 1 per quarter (spend-gated). Outside India: none listed. Conditions: Needs Rs 50,000 spend in the previous calendar quarter. Guests charged.
What is the forex markup on the YES Select Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Select Credit Card?
From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).