YES Bank Select Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹599
₹599
2.75%
4 visits/yr
Contents
YES Bank Select Visa Credit Card is a mid-range rewards credit card designed for Indian consumers who want strong online shopping rewards, domestic airport lounge access, and lifestyle privileges without a very high annual fee. The card offers accelerated YES Rewardz points on online and offline spends, a 1% fuel surcharge waiver, complimentary golf rounds, and useful insurance covers, making it attractive for urban professionals and frequent travellers. With fee waiver milestones, quarterly lounge access, and the option to boost rewards via subscription plans, the YES Bank Select Credit Card can deliver good long-term value if you consistently use it for everyday spends and online payments.
Features of YES Bank Select Visa Credit Card which makes it unique
YES Rewardz Subscription Plans
Optional paid subscription plans that multiply reward points on online, offline and Select category spends.
Heavy spenders can significantly increase effective reward rate and earn more YES Rewardz points faster.
3X and 5X reward boost plans help the card compete better against popular online shopping and cashback credit cards in India.
Lifestyle and Golf Privileges
Complimentary green fee waivers and golf lessons at select Indian golf courses for premium lifestyle users.
Adds aspirational value for golf enthusiasts and affluent professionals looking for lifestyle benefits.
Golf benefits are uncommon on mid-fee cards, helping YES Bank Select stand out in the mid-range rewards segment.
Rewards Structure of YES Bank Select Visa Credit Card
Online Shopping
baseAll eligible online transactions excluding Select categories and excluded merchant types.
Best used for e-commerce, bill payments and other online spends to maximise YES Rewardz earnings.
Offline Spending
baseAll eligible POS retail transactions excluding fuel, wallet loads and other restricted categories.
Ideal for day-to-day retail purchases at supermarkets, restaurants and local merchants.
Select Categories
baseSpecific merchant categories classified by YES Bank as Select categories (for example utilities or insurance).
Useful to know that Select categories earn lower rewards; check current category list in YES Bank documentation.
Subscription Boost (Optional)
baseOn opting for paid 3X or 5X YES Rewardz subscription plan.
Frequent spenders can pay an extra subscription fee annually to significantly boost YES Rewardz earn rate.
Milestones of YES Bank Select Visa Credit Card
First-Year Fee Waiver
₹10,000 : Full waiver of first-year membership fee of ₹599 plus taxes on achieving ₹10,000 retail spends within 30 days of card set-up.
Annual Renewal Fee Waiver
₹1,00,000 : Renewal fee of ₹599 plus taxes waived when you spend ₹1,00,000 or more in the previous anniversary year.
Fees & Charges of YES Bank Select Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹599 |
| Annual Fee | ₹599 |
| Forex Markup Fee | 2.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,350 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee of ₹599 plus taxes is waived on achieving ₹1,00,000 retail spends in the previous year.
Fee Explanation Standard YES Bank credit card charges apply, including 3.99% per month (47.88% per annum) finance charges on overdue amounts, cash advances, and revolving credit, along with applicable GST as per RBI and bank guidelines.
Detailed Explanation of YES Bank Select Visa Credit Card Fees
Joining Fee: ₹599 + taxes (once)
Waived on retail spends of ₹10,000 within 30 days of card set-up.
Annual / Renewal Fee: ₹599 + taxes (yearly)
Waived on retail spends of ₹1,00,000 in the preceding card anniversary year.
Finance Charges: 3.99% per month (47.88% p.a.) (monthly)
Applied on overdue amounts, cash advances, and revolving balances as per statement.
Cash Advance Fee: 2.5% (minimum ₹300) (transaction)
Charged on cash withdrawals from ATMs or over-the-counter, plus applicable finance charges from transaction date.
Late Payment Fee: Up to ₹1,350 (statement)
Tiered late fee based on total outstanding; 0 for very low dues and up to ₹1,350 or 10% of total due, whichever is lower, for higher outstanding balances.
Overlimit Fee: ₹500 (statement)
Applicable if total outstanding exceeds approved credit limit at any point in the billing cycle.
Returned Payment Fee: ₹500 (instance)
Charged if cheque, Auto Debit, or any payment instruction is returned or dishonoured.
Foreign Currency Markup: 2.75% (transaction)
Applied on all international POS, e-commerce and ATM transactions in non-INR currency.
Lounge Access Benefits with YES Bank Select Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Up to 1 complimentary domestic airport lounge visit per calendar quarter at participating lounges in India, subject to latest YES Bank and Visa lounge access programme terms and any quarterly spend criteria.
international Lounges
silverVisits per year: 0
Guest access: No
This card does not provide complimentary international airport lounge access; paid access may be available as per lounge and network partner rules.
Insurance Coverage with YES Bank Select Visa Credit Card
Credit Shield
₹3,00,000Protects the outstanding balance on the card in case of the primary cardholder’s accidental death, as per policy terms and insurer conditions.
Lost Card Liability
₹3,00,000Covers unauthorised transactions made after reporting loss to YES Bank, subject to policy exclusions and RBI guidelines.
Online Purchase Protection
₹50,000Accidental damage insurance for eligible electronics and mobile phones purchased online using the card, usually for up to 6 months from purchase date.
Additional Features of YES Bank Select Visa Credit Card
Instant EMI Conversion
Convert eligible transactions of ₹1,500 and above into EMIs directly from the YES Bank portal, app, or through customer care.
Tenure options and interest rates vary; processing fee and foreclosure charges may apply.
Quick Loan on Card
Avail loans against the available credit limit without blocking your full card limit for everyday needs or emergencies.
Disbursal, tenure and interest rate depend on YES Bank’s internal assessment and credit profile.
YES PayNow & Auto Bill Pay
Set up standing instructions and auto-debit for utility bills and subscriptions so you never miss due dates.
Bills must be from registered billers; limits, timelines and supported billers are as per YES Bank’s PayNow platform.
E-Mandate and Standing Instructions
Automate recurring payments for SIPs, insurance premiums and EMIs using secure e-mandates on your credit card.
Subject to mandate registration and partner institution support.
Add-on Cards
Issue add-on cards to eligible family members to share limit and benefits.
Primary cardholder is liable for all spends; KYC and age conditions apply.
Welcome Bonus with YES Bank Select Visa Credit Card
Welcome Bonus: 15,000 YES Rewardz points
Bonus Conditions: Bonus YES Rewardz points are credited when you meet YES Bank’s qualifying spend criteria within the introductory period, as per the latest YES Bank SELECT Credit Card terms and conditions.
Application Process for YES Bank Select Visa Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank Select Credit Card page or Finanjo’s YES Bank Select Visa Credit Card review page.
Click on Apply Now and enter your basic details such as mobile number, PAN, name, date of birth and pincode.
Provide employment type, income details and contact information as requested in the online form.
Upload KYC and income documents or schedule a document pickup or video KYC based on YES Bank’s process.
Submit the application and wait for YES Bank’s verification, credit assessment and approval decision.
On approval, the virtual card (if offered) may be activated first and the physical YES Bank Select Visa Credit Card is dispatched to your address within a few working days.
Required Documents for YES Bank Select Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
YES Bank Select Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide domestic acceptance across India at most PoS terminals and merchants that support Visa credit cards, including online and offline outlets.
International Acceptance
Accepted globally at millions of merchants and ATMs that accept Visa, subject to foreign currency markup and local regulations.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank Select Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹62,500
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income, a clean credit history, valid PAN and Aadhaar, and must meet YES Bank’s internal underwriting and KYC norms.
How Approval Is Decided
- Applicant should be between 21 and 60 years of age.
- Indian resident with stable income and net monthly salary of around ₹50,000 or higher, or sufficient ITR for self-employed individuals.
- Good credit profile with CIBIL or other bureau score of around 700 or above and no major recent defaults.
- Satisfactory internal risk assessment by YES Bank based on income, obligations, credit utilisation and banking relationship.
Pros of YES Bank Select Visa Credit Card
- Good reward structure with higher YES Rewardz points on online and offline spends for everyday use.
- Quarterly complimentary domestic airport lounge access for frequent flyers within India.
- Golf lessons and green fee waivers add lifestyle value beyond pure rewards.
- Fuel surcharge waiver on day-to-day fuel spends between ₹400 and ₹5,000 per transaction.
- Fee waiver milestones make it easy to make the card effectively free for regular spenders.
- Optional 3X and 5X YES Rewardz subscription plans for high-spend customers seeking a premium rewards experience.
Cons of YES Bank Select Visa Credit Card
- No complimentary international airport lounge access, limiting value for frequent overseas travellers.
- Base reward rate is weaker than some new-age cashback and co-branded online shopping credit cards.
- Foreign currency markup of 2.75% is standard, not a low-forex premium feature.
- Select categories earn reduced reward points, so not all spends give the same value.
- Annual fee and subscription upgrades together may not be attractive for very low spenders.
Frequently Asked Questions about YES Bank Select Visa Credit Card
What documents are required to apply for the YES Bank Select Visa Credit Card?
Typically, you need PAN, Aadhaar, one address proof, and income documents such as latest salary slips, Form 16 or ITR, along with a recent photograph. YES Bank may ask for additional documents based on your profile and KYC requirements.
What is the joining and annual fee for the YES Bank Select Visa Credit Card?
The YES Bank Select Visa Credit Card charges a joining fee of ₹599 plus taxes and an annual renewal fee of ₹599 plus taxes. The joining fee can be waived if you spend ₹10,000 within 30 days of card set-up, and the renewal fee is waived when you spend ₹1,00,000 or more in the previous year.
How many YES Rewardz points can I earn with the YES Bank Select Credit Card?
You earn 8 YES Rewardz Points per ₹200 spent on eligible online transactions, 4 YES Rewardz Points per ₹200 spent on eligible offline spends, and 2 YES Rewardz Points per ₹200 on Select categories. If you opt for subscription plans, you can boost these earnings up to 3X or 5X on specific spend types.
Does the YES Bank Select Visa Credit Card offer airport lounge access?
Yes, the YES Bank Select Credit Card offers up to 1 complimentary domestic airport lounge visit per calendar quarter at participating lounges in India for the primary cardholder, subject to Visa and YES Bank lounge programme terms and any applicable quarterly spend conditions. There is currently no complimentary international lounge access on this card.
Who should consider applying for the YES Bank Select Visa Credit Card?
This card is suitable for salaried and self-employed Indian residents with a net monthly income of around ₹50,000 or more who frequently spend on online shopping, travel, dining and everyday retail. It works best for users who can hit the annual spend milestone for fee waiver and value quarterly domestic lounge access, YES Rewardz points and lifestyle privileges like golf.
How can I redeem YES Rewardz points earned on the YES Bank Select Credit Card?
You can redeem YES Rewardz points through the YES Rewardz portal or mobile app for options like statement credit, flights, hotels, merchandise, vouchers and more, subject to the bank’s latest redemption catalogue and conversion rates. Typically, higher point balances unlock better value on travel and voucher redemptions.
Is the YES Bank Select Credit Card good for international travel and forex spends?
The card does not offer complimentary international lounge access and has a standard 2.75% foreign currency markup, so it is not a dedicated international travel card. However, you can still use it abroad wherever Visa is accepted and earn YES Rewardz on eligible transactions, keeping in mind the forex markup and taxes.
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