YES Rewardz: how YES Bank credit card points are redeemed, capped and charged

What is YES Rewardz and who runs it?

YES Rewardz is the rewards programme and redemption portal for YES Bank credit cards, at creditrewardz.yes.bank.in. The portal's footer says it is copyright Loylty Rewardz Mngt Pvt Ltd, and its support address is support@yesrewardz.com, with 1800 121 4444 and 1800 4190 600.

The portal's terms say redemption can only be made on creditrewardz.yes.bank.in or at selected brand partner outlets, and that YES Rewardz points are credited within 7 working days of being earned.

How do I log in to YES Rewardz?

With your 10-digit registered mobile number, a captcha and a one-time password, on creditrewardz.yes.bank.in. The login page has a separate option for cardholders residing outside India.

Agreeing to the portal's terms is part of the login step. The terms say the operator can revise them at any time by updating the page.

What can I redeem YES Rewardz points for, and how much is a point worth?

Flights and hotels, statement credit, vouchers and merchandise, under YES Bank's MITC (version CMITC_V18, 5 October 2026). YES Bank's value charts for the SELECT and ELITE+ cards say one YES Rewardz point is worth up to Rs 0.25.

We did not find a YES Bank document that gives the value of a point for each redemption type, so we do not list one. Check the points price on the portal before you redeem.

How many points can I use in a month?

On flights and hotels, points can pay up to 70% of the invoice, with the rest on the YES Bank card, up to a monthly limit set by card. The MITC puts that limit at 6,00,000 points on YES Private and Private Prime, 3,00,000 on Marquee, 2,00,000 on Reserv and 1,00,000 on other cards with YES Rewardz points.

Outside YES Private, statement credit, merchandise and vouchers are each limited to 50% of your points, and vouchers to Rs 25,000 of value a calendar month. YES Private has no cap on statement credit or merchandise, subject to its monthly cap, and the same Rs 25,000 voucher limit.

From YES Bank's credit card MITC, version CMITC_V18_05102026, read 9 November 2026. The table in the PDF is laid out across merged cells, so check the source for your card.

What does YES Bank charge to redeem points?

Rs 100 + GST per redemption request, however many points you use, under YES Bank's MITC of 5 October 2026. Flight bookings with points carry a further convenience fee of Rs 99 + GST. The fee is waived on YES Private and the Paisabazaar PaisaSave card.

This is a change. YES Bank's earlier MITC, version CMITC_V16 of 4 February 2026, waived the fee on YES Private, Marquee and Reserv. YES Bank's notice to Marquee holders says the Rs 100 fee applies to Marquee from 15 June 2026.

When do YES Rewardz points expire?

After 3 years. YES Bank's MITC says points expire 3 years from the date they are earned. The portal's own terms say they are valid for 36 months from the month of accrual, so the two documents count from different starting points.

All points are void when the card is permanently blocked, which the MITC says includes voluntary closure, closure for inactivity, delinquency and non-receipt of the card. Cards that pay cashback or a co-brand partner's currency follow their own product page.

What are the catches on YES Rewardz?

YES Bank can change point values, withdraw points or change the catalogue without notice, under its MITC. The portal's terms let the operator cancel a redemption and refund the points if a price or points figure was posted in error.

Some spends earn no points. Since 1 April 2025 government transactions earn nothing on most YES Bank cards, and from 15 June 2026 insurance, education, railways, toll and ferry transactions earn nothing on Marquee. A separate YES Rewardz Instant Voucher store on GyFTR takes payment by YES Bank debit card or net banking only, not by credit card.