YES Select Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
8 Reward Points on every Rs. 200 spent online. 4 RPs spent offline and 2 RPs on select categories.
Reward Redemption
Reward Points redeemable for movie ticket bookings on YES Rewardz portal at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
Travel
N/A
Domestic Lounge Access
1 Free Visit Each Quarter
International Lounge Access
N/A
Golf
4 complimentary rounds of green fees every year and 1 complimentary golf lesson each month.
Insurance Benefits
Purchase Protection is Provided
Spend-Based Waiver
Joining fee waiver on spending ₹10,000 or more within 30 days after receiving the card, and the renewal fee is waived off on a spend of ₹1 lakh or more in the previous year.
Rewards Redemption Fee
₹100 + GST
Foreign Currency Markup
2.75% on all foreign currency spends
Interest Rates
3.99% Per Month
Fuel Surcharge
1% fuel surcharge waiver at all the fuel stations in India for all the transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charges
3.5% of the amount withdrawn
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- 8 Reward Points on every ₹200 spent online.
- 2 Reward Points on every ₹200 spent on other categories such as insurance.
- The joining fee is waived on retail spends of over ₹10,000 within 30 days after receiving the card.
- The renewal fee is waived on spending over ₹1 lakh on retail purchases in the previous year.
YES Bank Prosperity Edge/Select Credit Card Rewards
- You get 8 Reward Points on every Rs. 200 spent on online purchases (Capped at 5,000 per statement cycle).
- Earn 4 Reward Points on each spend of Rs. 200 made offline.
- 2 Reward Points on every Rs. 200 spent on other categories such as insurance, government, utility, education, recharge, wallet, and rental payments.
- No Reward Points shall be awarded for transactions on fuel, transactions that are converted to EMIs, and cash withdrawals.
Rewards Redemption
1 Reward point = ₹0.10 for redemption against movies, bill payments, charity, golf, etc. 1 Reward Point = ₹0.25 for redemption against hotel/flight bookings The points can be redeemed through the dedicated website. YES Bank charges a reward redemption fee of ₹100.
YES Bank Prosperity Edge/Select Credit Card Features
Travel Benefits
The primary cardholders get one complimentary domestic lounge access every calendar quarter across over 30 lounges in India.
Golf Benefits
You get 4 complimentary green fees per calendar year at selected golf courses in India.
Moreover, you get 1 complimentary golf lesson per calendar month.
Purchase Protection
With this card, you shall get purchase protection for mobile phones and electronics purchased online. You get covered for accidental damages for 6 months.
Other Benefits
Moreover, you can avail of great offers on travel, dining, shopping, etc in selected Indian cities. Along with being beneficial across various categories, the YES Prosperity Edge credit card is enabled with contactless technology and secured payments at all retail outlets.
Joining and Renewal Fee Waiver
The joining fee is waived on spending over ₹10,000 within 30 days after receiving the card. The renewal fee is waived on spending over ₹1 lakh in the previous year.
Eligibility Criteria for Yes Bank Select Card
| Salaried Employees | Self-Employed Individuals | |
| Age | 21 Years to 60 Years | 21 Years to 60 Years |
| Income | Minimum ₹50,000 Per Month | Minimum ₹7,50,000 Per Annum (as per ITR) |
YES Bank Select Credit Card Review
The YES Bank Select Credit Card is a good option for people who want a credit card with great reward programs and even more exciting benefits. If you are one of such people, you can go with the card as it gives you an amazing opportunity to save something on various categories of your purchases.
Not only this, but it also offers you travel & golf benefits, which can give you even more strong reasons to have this card if you love traveling and golf. But the most important thing here is to understand your requirements and make decisions according to them because a good credit score is what really matters a lot. And you can maintain it best with a credit card that suits you best.
FAQs:
1. How can I get my YES Bank Select credit card’s joining fee waived?
2. What is the reward rate of this card?
3. Does this card provide any welcome benefits?
4. What does the YES Bank Select card provide for golf benefits?
5. What is the interest rate on this card?