Best YES Bank Credit Card in India (2026): Top 10 Picks

I've been using credit cards for two decades, and for the last eight years I haven't paid for a flight, a hotel, or a forex markup. That's not because I'm rich—it's because I match every card to a specific spending pattern. When it comes to YES Bank, the best YES Bank credit card for you depends on whether you're a UPI-first user, an online shopper, or a frequent traveller. In this guide, I'll walk you through my top 10 YES Bank cards for 2026, from lifetime-free options to premium metal cards, and tell you exactly who should pick which.

Quick answer: the best YES Bank credit cards for 2026

If you just want the list, here are my top 10 YES Bank cards ranked by real-world value. The table gives you a snapshot; the detailed breakdown follows.

Rank	Card	Best for	Annual fee
1	YES Bank Klick	UPI cashback, lifetime free	₹0
2	YES Bank ACE	Online shopping rewards	₹499
3	YES Bank SELECT	Online + lounge mix	₹599
4	YES Bank ELITE+	Domestic travel + movies	₹999
5	YES Bank RESERV	High spenders, rewards + lounge	₹2,499
6	YES Bank MARQUEE	Luxury travel, unlimited lounge	₹4,999 (joining ₹9,999)
7	YES Bank PaisaSave	Cashback on travel & dining	₹499
8	YES Bank BYOC	Customisable rewards	₹588 (joining ₹49)
9	YES Bank Wellness Plus	Health & pharmacy spends	₹1,499
10	YES Bank Zagg	Lifetime free, some lounge	₹0

In one line each:

• Klick: Lifetime-free RuPay card with up to 5% cashback on UPI via Kiwi app.
• ACE: 8 reward points per ₹200 online, low fee, often waived.
• SELECT: 8 points online, 4 domestic lounge visits, forex markup 2.75%.
• ELITE+: 8 lounge visits and 25% off on BookMyShow, 12 points online.
• RESERV: 24 points online, 18 lounge visits, forex 1.75%.
• MARQUEE: Unlimited lounge access, 36 points online, forex 1%.
• PaisaSave: 6% cashback on travel & dining, 1% on UPI.
• BYOC: Monthly packs, choose your reward category.
• Wellness Plus: 30 points per ₹200 on pharmacy spends, 8 lounge visits.
• Zagg: Lifetime free, 2 lounge visits per quarter, 3% coins on UPI.

Best YES Bank credit cards: top 10 picks for 2026

1. YES Bank Klick Credit Card

The Klick is the best YES Bank credit card for anyone who uses UPI daily. It's a lifetime-free RuPay card that gives you up to 5% cashback on UPI spends when you link it to the Kiwi app. There's no joining fee, no annual fee, and the income requirement is low—around ₹20,000 per month. That makes it perfect for students, first-time cardholders, and anyone who doesn't want to worry about fees. The cashback tiers can change, so check the Kiwi app for current terms. But if you scan-and-pay for chai, groceries, or auto rides, this card easily pays for itself. See the full YES Bank Klick Credit Card review.

2. YES Bank ACE Credit Card

The ACE is my top pick for online shoppers who don't want a high annual fee. It earns 8 reward points per ₹200 spent online, which works out to about 1.6% back in value depending on redemption. The joining fee is ₹499 plus taxes, but it's often waived if you spend ₹15,000 within 90 days. The annual fee of ₹499 is also waived on spends of ₹50,000. If you buy from Amazon, Flipkart, or Myntra frequently, this card beats most cashback cards in its segment. The main drawback is a 3.5% forex markup, so keep it for domestic online spending. Check the latest ACE card offer.

3. YES Bank SELECT Credit Card

SELECT is a balanced card for salaried professionals who want a bit of everything. You get 8 reward points per ₹200 online, 4 points offline, and 4 domestic lounge visits per year. The forex markup is a relatively low 2.75%, which is decent if you travel occasionally. The annual fee is ₹599 plus taxes, waived on spending ₹75,000 in a year. It's not the flashiest card, but it's reliable and easy to understand. If you're not sure what you want, the SELECT is a safe default. Read the SELECT card breakdown.

4. YES Bank ELITE+ Credit Card

ELITE+ is for domestic travellers and movie buffs. For ₹999 plus taxes, you get 8 domestic lounge visits, 25% off on BookMyShow (up to a cap), and 12 reward points per ₹200 online. That's a solid package if you fly within India a few times a year and enjoy a movie night. The fee waiver kicks in at ₹2 lakh annual spend, which is reasonable for a card with these perks. The forex markup is 3.5%, so don't use it abroad. But for domestic luxury on a budget, it's hard to beat. See the ELITE+ benefits in detail.

5. YES Bank RESERV Credit Card

RESERV is a mid-premium card that punches above its weight. For ₹2,499 plus taxes, you get 24 reward points per ₹200 online, up to 18 lounge visits per year, and a forex markup of just 1.75%. If you spend more than ₹4 lakh annually, the renewal fee is likely waived, which makes the card effectively free for high spenders. The interest rate is relatively low too, which helps if you ever carry a balance. This is my pick for someone who wants premium travel benefits without a five-digit fee. Explore the RESERV card's travel perks.

6. YES Bank MARQUEE Credit Card

MARQUEE is the luxury flagship. The joining fee is steep at ₹9,999 plus taxes, but the annual fee drops to ₹4,999 and is waived on ₹10 lakh annual spend. In return, you get unlimited domestic and international lounge access for you and your add-on cardholders—something very few cards in India offer. You also earn 36 reward points per ₹200 online and get savings on BookMyShow. The forex markup is just 1%, which is excellent for international travel. If you're a frequent flyer who values lounge access and doesn't mind a high fee, this is the best YES Bank credit card for you. Read my full YES Bank Marquee Credit Card take.

7. YES Bank PaisaSave RuPay Credit Card

PaisaSave is refreshingly simple: 6% cashback on travel and dining, unlimited 1% cashback on all other spends including UPI, with no joining fee and an annual fee of ₹499. If you don't want to calculate reward points and prefer straight cashback, this card is a winner. It's also a RuPay card, so it works seamlessly with UPI. The only catch is that cashback caps and minimum transaction amounts may apply, so read the fine print. But for everyday value with a predictable return, it's a strong choice. See PaisaSave cashback details.

8. YES Bank BYOC (Build Your Own Card) Credit Card

BYOC is for control freaks—in a good way. You pay a monthly fee of ₹49 plus taxes and choose from multiple benefit packs. You can earn 8 reward points or 1% cashback per ₹200 on your chosen category, and you can switch packs as your spending changes. The annual fee works out to ₹588, which is reasonable if your spending is concentrated. Just make sure the benefit pack options still suit you—these can change. Learn how BYOC works.

9. YES Bank Wellness Plus Credit Card

Wellness Plus is a niche card that shines for health-conscious families. It earns 30 reward points per ₹200 at chemist and pharmaceutical stores—one of the highest reward rates in any category—and 6 points per ₹200 elsewhere. You also get 8 domestic lounge visits and a ₹1 crore life cover. The fee of ₹1,499 plus taxes pays off if your annual pharmacy and health spends exceed ₹1.5 lakh. If you have regular medical expenses or buy supplements frequently, this card is a no-brainer. Check the Wellness Plus health benefits.

10. YES Bank Zagg Credit Card

Zagg is an underrated gem for young earners. It's lifetime free, offers 2 domestic lounge visits per quarter, and earns 3% Zagg Coins on UPI spends via the Zagg app. It's perfect for someone in their early career who wants a zero-fee card with a taste of travel perks. The lounge visits are capped per quarter, and Zagg Coins redemption value can vary, so check the latest terms. But as a starter card, it's hard to fault. Read my Zagg card review.

How to choose the right YES Bank card for you

I'll be honest: there's no single best YES Bank credit card. It all depends on where your money goes. Here's my simple framework:

• UPI-heavy user: Go for the YES Bank Klick or Zagg. Both are lifetime free and earn cashback or coins on scan-and-pay.
• Online shopper: The ACE or SELECT give you 8 reward points per ₹200 online, which is great for Amazon and Flipkart.
• Frequent domestic traveller: The ELITE+ or RESERV offer lounge access and good rewards. If you want unlimited lounge, the MARQUEE is the top pick.
• Health spender: The Wellness Plus is unbeatable for pharmacy and diagnostic spends.
• Cashback purist: The PaisaSave gives simple, predictable cashback on travel, dining, and UPI.
• Customiser: The BYOC lets you choose your reward category every month.

If you're still confused, take a 2-minute quiz and answer a few questions about your spending. I built CardBuddy to help you find the exact card that fits.

YES Bank credit card fees and charges overview

Before you apply, understand the fee structure. YES Bank cards range from lifetime free to premium with joining fees up to ₹9,999. Here's what you need to know:

• Joining fee: Most paid cards have a joining fee equal to the annual fee, except MARQUEE (₹9,999 joining) and BYOC (₹49 joining).
• Annual fee: Ranges from ₹0 (Klick, Zagg, PaisaSave) to ₹4,999 (MARQUEE). Fee waivers are common: spend ₹50,000 on ACE, ₹1 lakh on SELECT, ₹2 lakh on ELITE+, ₹3 lakh on RESERV, and ₹10 lakh on MARQUEE.
• Forex markup: Standard is 3.5% on most cards, but SELECT is 2.75%, RESERV is 1.75%, and MARQUEE is 1%. If you travel abroad, factor this in.
• Interest rate: Typically 3.5% per month (42% annualised), but some premium cards have lower rates. Always pay in full to avoid interest.
• Fuel surcharge: Most YES Bank cards offer a 1% waiver on fuel transactions between ₹400 and ₹5,000.

Fees and benefits change often, so always confirm the latest schedule on the YES Bank website before applying.

What makes YES Bank reward points different?

YES Bank uses a program called YES Rewardz. Most cards earn reward points, and the value per point depends on redemption. Here's what I've learned:

• Standard value: On most YES Bank cards, 1 Rewardz point = ₹0.25 when redeemed for statement credit or vouchers. That means 8 points per ₹200 = 2% back value, which is competitive.
• Premium cards: Cards like MARQUEE and Private have higher point value—up to ₹0.5 or more per point. That makes their accelerated rates very attractive.
• Redemption fee: Most cards charge ₹100 per redemption, but premium cards often waive it. Check your card's terms.
• Travel transfers: Some YES Bank cards allow points transfer to airline and hotel partners, but the list is limited compared to Amex or HDFC.

If you want to maximise rewards, look for cards that offer bonus points in your top spending category. For example, the Wellness Plus gives 30 points per ₹200 at pharmacies, which is 7.5% back value—a massive return for a specific need.

How I would build a YES Bank card stack

If I were starting fresh with YES Bank today, I'd keep it simple. I'd use the Klick for all my UPI transactions—it's lifetime free and earns up to 5% cashback. Then I'd add a RESERV for online shopping, flights, and lounges. The RESERV's 24 points per ₹200 online and 1.75% forex markup make it a workhorse for both domestic and international travel. The annual fee is ₹2,499, but if I spend ₹4 lakh a year, it's waived. That combo covers 95% of my spending without overlapping benefits.

If you travel internationally more than twice a year, swap the RESERV for the MARQUEE. The unlimited lounge access and 1% forex markup justify the higher fee. Don't pay for the same perk twice—either MARQUEE or RESERV, not both.

Final take: the single YES Bank card I'd recommend to most people

If I had to pick one best YES Bank credit card for the average Indian spender, I'd go with the YES Bank Klick. It's lifetime free, earns cashback on UPI, and has no strings attached. For most readers who are comfortable with UPI and want a simple, no-fee card, it's the clear winner. If you're a heavy online shopper and can spend ₹50,000 a year, the ACE is a close second.

The truth is, the best card is the one that matches your spending. Take the quiz on CardBuddy and answer a few quick questions—I'll show you the one card that fits you best. You can also compare YES Bank cards side by side to see the numbers yourself. And remember, fees and benefits change, so always confirm on the bank's website before you apply.