How much does the Select earn?

The card yields 8 YES Rewardz per ₹200 on online purchases (monthly ceiling of 5,000 points), 4 per ₹200 on standard in-store retail, and 2 per ₹200 on select utility and streaming transactions (capped at 150 points per billing cycle). Factoring in a baseline redemption rate of ₹0.20 per point, this equates to roughly 0.8% back online (which can reach up to ₹0.25 per point on travel bookings). In effective-return terms this card's best earn is 0.8% on online shopping (rewards capped at ₹1,000 a month in that category), against 0.4% on other spends — percentages here are the real return after converting points at their card-specific value, not the headline points-per-₹100.

What is the joining and annual fee, and how are they waived?

The card carries a ₹599 joining fee and a ₹599 annual renewal fee. The initial joining charge is reversed if you clock ₹10,000 in purchases during the first month, and the recurring renewal fee is waived upon spending ₹1 lakh over the card anniversary year. Factoring in 18% GST, the gross annual renewal billed to the statement is ₹707. Meeting the ₹1,00,000 annual threshold averages out to roughly ₹8,333 per month.

What perks does the Select include?

Key privileges comprise one complimentary domestic airport lounge access per calendar quarter (requiring ₹50,000 spend in the preceding quarter), four free golf green-fee rounds annually with a monthly practice lesson, a monthly 1+1 movie ticket offer on District saving up to ₹150 on the second ticket, and a 1+1 complimentary coffee benefit at designated mall outlets.

Does it have international lounge access?

No. Airport lounge privileges are strictly limited to domestic terminals within India at an allowance of one entry per calendar quarter (up to 4 per year), provided the cardholder spends at least ₹50,000 in the preceding quarter (spending in quarter N unlocks eligibility in quarter N+1). Any accompanying guests incur standard lounge fees. As per the card's current benefit schedule: 1 complimentary domestic lounge visit per calendar quarter, unlocked by spending ₹50,000 in the previous quarter (quarter-N spend unlocks quarter N+1's visit); guests are charged. That allowance is 1 visit a quarter — up to 4 a year.

What are YES Rewardz worth on this card?

Points hold a baseline value of roughly ₹0.20 each when applied toward gift vouchers, utility settlements, or statement credits. Higher value of approximately ₹0.25 per point can be achieved when booking flights or hotel stays via the dedicated YES rewardz portal.

How has the YES Bank Select Credit Card changed over time?

Our dated Value Timeline for the YES Bank Select Credit Card (on this page) records 15 changes since 2016: 11 devaluations, 2 improvements, and the rest neutral changes such as launches or restructures. The most recent entry: Cash-advance, auto-debit-failure and cash-deposit fees raised (15 June 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents.

Has the YES Bank Select Credit Card been devalued recently?

Yes — our record shows 9 devaluations to the YES Bank Select Credit Card in the last 24 months. The most recent: Cash-advance, auto-debit-failure and cash-deposit fees raised, effective 15 June 2026 — from Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · branch cash deposit ₹100 to Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · branch cash deposit ₹500. The full dated list, with what changed and its source, is in the Value Timeline on this page.

When did the YES Bank Select Credit Card's fees last change?

15 June 2026: Cash-advance, auto-debit-failure and cash-deposit fees raised — from Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · branch cash deposit ₹100 to Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · branch cash deposit ₹500. The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.

How did the YES Bank Select Credit Card change in 2026?

Our record shows 5 changes to the YES Bank Select Credit Card in 2026 (4 cuts and 1 improvement): Over-limit facility reinstated (1 June 2026); Reward exclusions widen; select categories shrink to utilities + streaming (15 June 2026); Fuel surcharge waiver band narrowed to ₹500–₹3,000 (15 June 2026), and 2 more. The biggest single change: before 15 June 2026 it was 2.75%; from then on, 3.50%. Every event, dated and sourced, is in the Value Timeline on this page.

Yes BankENTRY

YES Bank Select Credit Card

3.8 / 5SarvCred Editorial Review

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Yes Bank

YES Bank Select Credit Card

Name: YES Bank Select Credit Card
Brand: SarvCred
Rating: 3.8 (1 reviews)

Entry levelFee variesRewardsTravel

The YES Bank Select (the renamed Prosperity Edge) is an entry-level rewards card that punches slightly above its ₹599 fee on lifestyle perks. It earns 8 YES Rewardz per ₹200 on online spends (capped at 5,000 points a statement cycle), 4 per ₹200 offline and 2 per ₹200 on select categories — utilities and cable/streaming. YES Rewardz are worth about ₹0.20 apiece for vouchers, bills and statement credit and up to ₹0.25 for flights and hotels via the YES rewardz portal, so the honest everyday return is roughly 0.8% online and 0.4% offline. What stands out for the fee is the perk spread: one domestic lounge visit a quarter, four complimentary golf green-fee rounds a year with a monthly lesson, and a monthly movie buy-one-get-one (up to ₹150 off). The ₹599 joining fee is reversed on ₹10,000 of spend in the first month and the renewal waives at ₹1 lakh. A sensible first or second card for a YES customer who wants perks without a premium fee — provided you redeem the points deliberately.

Key features

What this card is built to do — the highlights that actually matter.

⭐

0.8% on Online Shopping

8 YES Rewardz per ₹200 on online spends (~0.8% at ₹0.20/pt), capped at 5,000 points a statement cycle

⭐

0.4% on Other

4 YES Rewardz per ₹200 on offline and other spends (~0.4% at ₹0.20/pt)

✈

️ Airport Lounge Access

1 complimentary visits per quarter at domestic and international airport lounges

💳

Annual Fee Waiver

Fee of ₹599 + 18% GST (₹707 all-in)/yr fully waived when you spend ₹1,00,000/year

⛳

Golf Privileges

4 complimentary green-fee rounds a year at select Indian courses plus one complimentary golf lesson each month

🤵

24x7 Concierge

Buy-one-get-one on coffee at participating mall outlets, per YES Bank's offer terms and conditions

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions, capped at ₹125/month

🎬

Movie Ticket Benefit

Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket

Full reward structure

Category	Type	Rate	Monthly cap
Online Shopping	reward points	0.8%	₹1,000
Other	reward points	0.4%	—
Utility Bills	reward points	0.2%	₹30

Fees & charges

Charge	Amount
Annual fee (incl. 18% GST)	₹707
Joining fee (incl. 18% GST)	₹707
Finance charge (APR)	3.99% p.m.
Forex markup	3.5%
Fuel surcharge waiver	1%, cap ₹125
Reward redemption fee	₹100

Perks & benefits

Estimated annual value beyond rewards — ~₹10,300/yr in total.

✈

️ lounge access ~ ₹3,000 /yr

1 complimentary domestic lounge visit per calendar quarter, unlocked by spending ₹50,000 in the previous quarter (quarter-N spend unlocks quarter N+1's visit); guests are charged

⛳

golf ~ ₹4,000 /yr

4 complimentary green-fee rounds a year at select Indian courses plus one complimentary golf lesson each month

🎬

movie ticket ~ ₹1,800 /yr

Buy-one-get-one on movie tickets via District once a calendar month, up to ₹150 off the second ticket

🤵

concierge ~ ₹500 /yr

Buy-one-get-one on coffee at participating mall outlets, per YES Bank's offer terms and conditions

⛽

fuel waiver ~ ₹1,000 /yr

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹125 a statement cycle

Should you get it?

Best for: First-time or second-card holders who want perks without a premium fee, YES Bank customers who spend online and will redeem points for travel, Occasional flyers and moviegoers who value lounge, golf and BOGO perks

Entry tier — great for first-time and lower-spend users.

Strongest value if you spend heavily on Online Shopping ( 0.8% back).

Frequent travellers benefit from the included airport lounge access.

✓ Pros

Lounge, golf, a monthly movie buy-one-get-one and a coffee buy-one-get-one are unusual perks at a ₹599 fee
8 YES Rewardz per ₹200 on online spends, plus 2 per ₹200 on select categories (utilities and cable/streaming)
₹599 renewal fee waived at ₹1 lakh of annual spend; joining fee reversed on ₹10,000 in the first month
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (capped ₹125 a month)

✕ Cons

Online earning is capped at 5,000 YES Rewardz a statement cycle, limiting the effective rate for heavy spenders
YES Rewardz are worth only ~₹0.20 on vouchers, bills and statement credit; the ₹0.25 rate applies to flights and hotels only
The domestic lounge visit needs ₹50,000 of prior-quarter spend to unlock, and there is no international lounge access
Rent, wallet loads, fuel, government payments, insurance and education spends earn no rewards
A ₹100 + GST fee applies each time you redeem reward points, so redeem in fewer, larger batches
Existing YES Bank credit cardholders are not eligible to apply

Eligibility & documents

Min. income

₹50,000 /mo

Employment

Salaried · Self-employed

Documents required

PAN card
Aadhaar / valid address proof
Latest 3 months bank statement
Income proof — salary slips (salaried) or ITR (self-employed)
Recent passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

🎁 Redeem YES Rewardz on the YES rewardz portal for vouchers, bill payments and statement credit (~₹0.20/point)

🎁 Redeem for flights and hotels via the YES rewardz portal for the best value (up to ~₹0.25/point)

🎁 A ₹99 + GST convenience fee applies to flight bookings made with points

🎁 YES Rewardz expire 3 years after accrual

What your YES Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement credit Capped at 50% of the point balance; ₹100 + GST per redemption request

₹ 0.10 /pt

E-gift voucher (EGV) Capped at 50% of the balance and ₹25,000 a calendar month

₹ 0.15 /pt

Flights & hotels BEST YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights

₹ 0.25 /pt

Air India Maharaja transfer Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.

₹ 0.10 /pt

✈ Transfer partners ✈ Air India Maharaja Club ( 10:1 ) Value your balance: YES Reward Points ✈ Air India Maharaja Club ( 10:1 ) ₹ 1,000 vs. typical redemption ₹ 1,000 Direct transfers from this card only, ranked by what a point is worth in the destination programme . Full calculator, every currency → The concern The online reward rate is capped at 5,000 points a cycle and YES Rewardz are worth only ~₹0.20 on everyday redemptions, so the real earn is modest; the value here is the perk bundle, not the points.

The bottom line

The Select functions primarily as a perk-driven entry-tier card rather than a heavy reward generator. While an earn rate of 8 YES Rewardz per ₹200 online (monthly limit of 5,000 points) nets an effective ~0.8% return against standard ₹0.20 point values, the bundled domestic lounge access, complimentary golf privileges, and monthly cinema savings are exceptionally rare at an annual fee of ₹599. Booking travel through the rewards portal improves redemption economics up to ₹0.25 per point. Ultimately, the card is best evaluated by its lifestyle privileges and low fee waiver criteria rather than baseline point accumulation.

Sources & verification

Fees, reward rates, and benefits for the YES Bank Select Credit Card are taken from YES Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2016 · 15 changes · last change Jun 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

2026 5 changes — 4 cuts, 1 improvement

▼ Fee Effective 15 Jun 2026

Cash-advance, auto-debit-failure and cash-deposit fees raised

Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · branch cash deposit ₹100 → Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · branch cash deposit ₹500

The same MITC revision raises three servicing charges that apply to the Select: the cash-advance floor moves from ₹500 to ₹650, the payment-return / auto-debit-failure charge from 2% or ₹450 to 2.5% or ₹500, and the fee for repaying the card in cash at a branch from ₹100 to ₹500. None of these touch the reward maths, but they make the card noticeably more expensive to misuse.

Verification: YES Bank ↗ · Confidence: High

▼ Fee Observed 23 Jun 2026 · Effective 15 Jun 2026

Forex markup raised from 2.75% to 3.50%

2.75% → 3.50%

YES Bank's consolidated MITC (version CMITC_V18_23062026) lifts the Select's foreign-currency mark-up from 2.75% to 3.50% with effect from 15 June 2026, on top of the flat 1% dynamic-currency- conversion charge. On ₹1,00,000 of overseas spend that is an extra ₹750 plus GST, and it moves the Select from mid-pack to one of the more expensive entry cards to use abroad.

Verification: YES Bank ↗ · Confidence: High

▼ Benefit Effective 15 Jun 2026

Fuel surcharge waiver band narrowed to ₹500–₹3,000

₹400 to ₹5,000 per transaction → ₹500 to ₹3,000 per transaction

The MITC narrows the transaction window in which the Select's 1% fuel surcharge is reversed — previously ₹400 to ₹5,000, now ₹500 to ₹3,000 from 15 June 2026. The ₹125 per-statement-cycle cap is unchanged, but a typical ₹3,500–₹5,000 tank fill no longer qualifies at all.

Verification: YES Bank ↗ · Confidence: High

▼ Reward Effective 15 Jun 2026

Reward exclusions widen; select categories shrink to utilities + streaming

Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education → No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899)

Effective 15 June 2026 YES Bank stopped awarding YES Rewardz on insurance, education, railway, toll, ferry and jewellery transactions — on top of the existing rent, wallet, fuel, government, marketing/advertising, cash and EMI exclusions. The half-rate "select categories" tier was simultaneously narrowed to utilities (MCC 4900) and cable/streaming services (MCC 4899) only. The card's own page publishes the new lists.

Verification: YES Bank ↗ · Confidence: High

▲ Benefit Effective 1 Jun 2026

Over-limit facility reinstated

Withdrawn since 1 May 2025 — transactions above the limit declined → Reinstated, ₹550 + GST charge per over-limit transaction

YES Bank brought back the over-limit facility across its credit cards from 1 June 2026, reversing the May 2025 withdrawal. Spends above the sanctioned limit can now go through, subject to the bank's own risk assessment, at a flat ₹550 plus GST per over-limit transaction.

Verification: YES Bank ↗ · Confidence: High

2025 3 changes — 3 cuts

▼ Benefit Effective 1 May 2025

Over-limit facility discontinued

From 1 May 2025 YES Bank discontinued the over-limit facility across its credit cards including the Select, so spends above the sanctioned limit were simply declined. The bank reversed this in June 2026.