YES BANK · mid

SELECT Credit Card

A YES Rewardz points card: 8 points per ₹200 online, 4 per ₹200 offline and 2 per ₹200 on utility bills, up to 5,000 points a statement cycle, with points worth ₹0.10 each as statement credit and one domestic lounge visit a quarter on ₹50,000 of quarterly spend. Every figure below is copied from YES BANK’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.

Check it against my spending Issuer’s page

Fees and charges

Joining fee	₹599 plus GST Fee schedule
Annual fee	₹599 plus GST Fee schedule
Annual fee waiver	On ₹1,00,000 of spend in the year Fee schedule
GST on fees	18%
Foreign-currency markup	3.5% of the transaction, plus GST Product page
The joining fee is waived on ₹10,000 of retail spend within one month of card set-up. The 3.50% markup applies from 15 June 2026 (2.75% before).
Reward redemption fee	₹100 plus GST MITC

Rewards

Reward points, ₹0.10 each when redeemed as stated Terms.

Spend	Earns	Cap
Online shopping (except Select categories)	8 points per ₹200 Terms	up to 5,000 points a statement cycle (shared) Terms
Select categories: utility bills and cable/streaming services (MCC 4900, 4899)	2 points per ₹200 Terms	up to 150 points a statement cycle Terms
Offline shopping and other spends	4 points per ₹200 Terms	up to 5,000 points a statement cycle (shared) Terms

YES Rewardz points: ₹0.10 each as statement credit, ₹0.25 on flight and hotel bookings; redemption needs 2,000 points and costs ₹100 + GST per request.

The 5,000-point cap is per statement cycle across all spends; utility spends earn at most 150 points a cycle. Online and offline rates exclude Select categories.

No rewards on

Rent, wallet loads, fuel, government, insurance, education and railway spends (from 15 June 2026); also marketing/advertising, tolls, ferries, jewellery, cash and EMI conversions Terms

Benefits

Lounges: 1 complimentary domestic lounge visit a calendar quarter (and 1 international visit a quarter if a flight is delayed) — ₹50,000 of spend in the previous quarter (domestic visits) Product page
Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹125 a statement cycle Product page

Also on this card

Quoted from YES BANK; not counted in the net value.

Buy one get one on movie tickets booked on District, up to ₹150 off the second ticket once a month Product page
Buy one get one on coffee at major coffee outlets in malls Product page
4 green fee waivers a year and 1 golf lesson a month at select courses in India Product page
Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online Product page
1 international lounge visit a quarter when a flight is delayed Product page

Eligibility

Age 21 or above Product page
Age 60 or below Product page
Salaried or self-employed Product page
Salaried: net salary of at least ₹50,000 a month Product page
Self-employed: income tax return of ₹7.5 lakh or more Product page

The issuer publishes only part of its criteria; approval rests on its own assessment.

Not published by YES BANK in the documents read

the card network
a RuPay variant for UPI
a welcome benefit

Where YES BANK’s documents differ, and what is used

Foreign currency markup: the credit card listing feed still shows 2.75% for this card; the product page and the MITC (V18) give 3.50% from 15 June 2026. CardWise uses 3.50%.

The quotes behind the figures

39 figures, each copied from an official YES BANK document.

Show every quote and source

“First year membership fee of INR 599 applicable taxes (waived on total retail spends of ₹10,000 within One month of card setup date)”
SELECT Credit Card Fees and charges (content loaded by the product page) · YES BANK · checked 2026-10-16

“Renewal membership fee of INR 599 applicable taxes (waived on total retail spends of ₹1 lakh within 12 months prior to card renewal date)”
SELECT Credit Card Fees and charges (content loaded by the product page) · YES BANK · checked 2026-10-16

“Goods and Services Tax (GST) 18% (Applicable on all fee and charges)”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“Foreign Currency Markup of 3.50% only.”
SELECT Credit Card top benefits (content loaded by the product page) · YES BANK · checked 2026-10-16

“Statement Credit = ₹0.10”
YES BANK Credit Card Redemption Rules · YES BANK · checked 2026-10-16

“8 YES Rewardz Points a”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“On every INR 200 for Online b Shopping (except on Select categories)”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“Maximum cap of 5000 reward points per statement cycle”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“2 YES Rewardz Points a”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“On every INR 200 on Select c categories.”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“Capping of YES Rewardz Points earned on Utility Spends (MCC 4900) is 150 per statement cycle”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“Effective 15th June 2026:Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories.”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“4 YES Rewardz Points a”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“On every INR 200 for Offline Shopping (except on Select categories)”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“Effective 15th June 2026, YES Rewardz Points will not be awarded on Rental, Wallet and Fuel, Government & Marketing / Advertising category transactions, Cash withdrawals, Post Purchase EMI & Instant EMI transactions, Insurance, Education, Railways, Toll, Ferry & Jewellery.”
SELECT Credit Card rewards section (content loaded by the product page) · YES BANK · checked 2026-10-16

“"button1" : "Apply for Credit Card"”
Credit card listing feed (content loaded by the YES BANK credit cards page) · YES BANK · checked 2026-10-16

“SELECT was previously known as YES PROSPERITY EDGE”
SELECT Credit Card page banner (content loaded by the product page) · YES BANK · checked 2026-10-16

“Select / Select for NRI / Select issued against FD INR 599 INR 599 INR 10,000 INR 1,00,000”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“Select/ Select (NRI) / Select (FD) / ACE / ACE (FD)/ ACE (NRI)/Virtual RuPay Credit Card / Klick 2.75% 3.50%”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“Foreign currency conversion charges Effective 15th June 2026”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“Foreign Currency Markup applicable prior to 15th June 2026 is 2.75%”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“Other Credit Cards (Except Private, Marquee, Reserv)”
YES BANK Credit Card Redemption Rules · YES BANK · checked 2026-10-16

“1. A minimum of 2,000 Reward Points is required for redemption.”
YES BANK Credit Card Redemption Rules · YES BANK · checked 2026-10-16

“Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“If you are already holding any YES BANK Credit Card, you are not eligible for this card.”
SELECT Credit Card Eligibility (content loaded by the product page) · YES BANK · checked 2026-10-16

“Maximum discount of up to INR 150 on your second movie ticket once per user per calendar month.”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“A reward redemption fee of INR 100 + applicable GST is charged when customer initiates a redemption request for accumulated reward points.”
YES BANK Credit Card MITC (CMITC_V18_05102026) · YES BANK · checked 2026-10-16

“1 complimentary visit within India per calendar quarter”
SELECT Credit Card more from this card (content loaded by the product page) · YES BANK · checked 2026-10-16

“1% surcharge waiver for transaction between INR 500 – INR 3,000”
SELECT Credit Card more from this card (content loaded by the product page) · YES BANK · checked 2026-10-16

“Total waiver in statement cycle is capped at INR 125.”
SELECT Credit Card Terms and Conditions glossary (content loaded by the product page) · YES BANK · checked 2026-10-16

“Buy one Get one offer on Movie tickets booked On District”
SELECT Credit Card top benefits (content loaded by the product page) · YES BANK · checked 2026-10-16

“Buy one Get one offer on Coffee at major coffee outlets in Malls across India”
SELECT Credit Card top benefits (content loaded by the product page) · YES BANK · checked 2026-10-16

“Enjoy 4 green fee waiver per year complimentary rounds of green fees per calendar year at Golf courses in India”
SELECT Credit Card more from this card (content loaded by the product page) · YES BANK · checked 2026-10-16

“Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online”
SELECT Credit Card top benefits (content loaded by the product page) · YES BANK · checked 2026-10-16

“1 complimentary lounge access per calendar quarter in case of Flight Delay”
SELECT Credit Card more from this card (content loaded by the product page) · YES BANK · checked 2026-10-16

“21 to 60 years of age”
SELECT Credit Card Eligibility (content loaded by the product page) · YES BANK · checked 2026-10-16

“Salaried or self employed”
SELECT Credit Card Eligibility (content loaded by the product page) · YES BANK · checked 2026-10-16

“Minimum Net Salary of INR 50,000 per month or Income Tax Return of INR 7.5 Lakhs and above.”
SELECT Credit Card Eligibility (content loaded by the product page) · YES BANK · checked 2026-10-16

“Apply for Credit Card Online”
SELECT Credit Card page banner (content loaded by the product page) · YES BANK · checked 2026-10-16

Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with YES BANK or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. Methodology