Yes Bank SELECT Credit Card: Fees, Rewards & Benefits
Online Shopping card with lounge access
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The Yes Bank SELECT is a mid-tier online-shopping card with 2x online earning (capped 5,000/month), 4 lounge visits, movie BOGO and a strong INR 3 lakh insurance suite, with a waivable INR 599 fee. A 0.1 INR base point value and a INR 7.5 lakh income requirement temper its appeal to online-focused lifestyle spenders.
Online Shopping card with lounge access
The Bottom Line
The Yes Bank SELECT is built for online shopper with perks and lifestyle user. With a ₹599 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0.4% rewards on online and airport lounge access. It makes the most sense if your spending matches online shopper with perks and lifestyle user.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with Online Shopper with Perks, Lifestyle User. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with regular online spends who want 2x online earning (capped 5,000/month) plus 4 lounge visits, movie BOGO and strong insurance, and can waive the INR 599 fee at INR 1 lakh spend.
Those who value movie, golf and dining partner offers alongside everyday online earning.
Probably not for
SkipUtility earning is capped at 150 points/cycle and many categories (rent, government, fuel) earn nothing.
The 0.1 INR base point value means real returns trail the headline 8-per-INR-200 rate.
Is It Worth It For You?
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Reward Rates
Yes Bank SELECT offers 0.2% basic reward rate.
Quick Calculator
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Welcome Offer
Joining fee (Rs.599 + taxes) reversed on spending Rs.10,000 within 30 days of card issuance. No confirmed bonus-point or voucher welcome benefit on the official page.
Milestone Benefits
Renewal/annual fee (Rs.599 + taxes) waived on spending Rs.1,00,000 or more in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹7.5 Lakhs
- Min Credit Score: 700
- Salaried/self-employed age 21-60; min monthly net salary ₹50,000 (₹6L p.a.) or ITR ₹7.5L; annual fee waived on ₹1 lakh annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- Does not earn reward points (post-purchase and instant EMI conversions excluded).
Cash Withdrawals
- Does not earn reward points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹599 annual fee. Apply on the Yes Bank website.
Apply on Yes Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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