Lifestyle
YES Bank Select Credit Card
A low-fee YES Bank card with monthly buy-one-get-one movie tickets, golf, a quarterly lounge visit and an easy fee waiver.
Joining fee₹599 + GST
Annual fee₹599 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward8 points per ₹200 online
Lounge1 domestic a quarter (spend-based)
Forex markup3.5%
Best for: Moviegoers who want a cheap card with a free ticket every month.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Online shopping | 8 points per ₹200 (about 0.8%) | 5,000 points a cycle |
| Other spends | 4 points per ₹200 (about 0.4%) | – |
| Utilities and streaming | 2 points per ₹200 | 150 points a cycle |
| Rent, wallet loads, fuel, government, insurance, education, EMI, railways, tolls, jewellery | Nothing | – |
- 1 point = about ₹0.20.
Benefits
Welcome benefit
- Joining fee refunded on ₹10,000 spend in the first month.
Milestones
- Annual fee waived on ₹1 lakh spend.
Travel and lounges
- 1 domestic lounge visit a quarter with ₹50,000 spend in the previous quarter.
- 4 golf rounds a year and a golf lesson every month.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹125 a cycle.
Other perks
- Buy one get one movie tickets on District every month (up to ₹150)
- Buy one get one coffee at partner outlets
Fees and charges
| Joining fee | ₹599 + GST (₹707), refunded on ₹10,000 spend in the first month |
|---|---|
| Annual fee | ₹599 + GST, waived on ₹1 lakh yearly spend |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried: ₹50,000 a month
- New YES Bank card customers only
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Easy fee waivers
- Monthly movie offer
- Golf benefits
Watch out for
- Low reward value
- Lounges need quarterly spend
- Not for existing YES cardholders
Recent changes
- 15 Jun 2026Forex markup raised from 2.75% to 3.5%; fuel waiver band narrowed.
Frequently asked questions
Can existing YES Bank cardholders apply for YES Select?
No, it is only for new YES Bank credit card customers.
Ready to apply for the YES Bank Select Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.