YES BANK SELECT Credit Card
YES BANK
₹599
Joining fee
₹599, waived at ₹1L spend
Annual fee
Rs 599 joining fee waived on Rs 10,000+ spend within 30 days; Rs 599 annual fee waived on Rs 1 lakh+ annual spend.
2.75%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried minimum Rs 50,000/month or self-employed Rs 7,50,000/annum per ITR.
Lounge access
4 domestic / 0 international visits per year
Reward details
4 reward points per Rs 200 on offline/retail
- 8 reward points per Rs 200 on Online — 5,000 points/cycle
- 2 reward points per Rs 200 on Insurance, utilities, education, recharge, rental
Redemption
Rs 0.10/point for movies, bills, golf, charity; Rs 0.25/point for hotels/flights
Ratio: 0.10-0.25 per point depending on category
Excluded from rewards: fuel, EMI conversions, cash withdrawals (earn no points)
- BOGO coffee twice quarterly
- Movie tickets Rs 150 off monthly
- Golf: 4 complimentary rounds yearly plus 1 lesson monthly
- Purchase protection - 6 months on electronics
- 1% fuel surcharge waiver on Rs 400-5,000 transactions
Real-world feedback
No welcome-benefit-specific or customer sentiment data present; source is CardInsider, not Paisabazaar.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge