CREDIT CARD ISSUER
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YES BANK Credit Cards

YES BANK offers credit cards across rewards, travel, shopping, lifestyle and premium categories.

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Total Offerings

19 Active Cards

Fee Range

₹0 (LTF) – ₹10,000

Payment Networks

Visa • Mastercard • RuPay

Zero Fee / LTF

2 Lifetime Free

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YES BANK PORTFOLIO

YES BANK Credit Cards

Explore 19 active cards and filter them by how you spend.

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Showing 19 of 19 verified YES BANK credit cards
NEW LAUNCH
4.1
YES Essence Credit Card

YES Essence Credit Card

TravelRewardsShopping
BEST FOR

Urban homemakers, female professionals, and wellness enthusiasts seeking accelerated rewards on supermarket groceries, beauty retail, and diagnostic health checkups.

Annual Fee₹799
Rewards12 YES Rewardz/₹200 on Fashion, Beauty, Dining & Grocery (1.5% value), 8 pts/₹200 on other online (1.0% value), 4 pts/₹200 offline (0.5% value)
Lounge Access1 Domestic visits/quarter · ₹25k quarterly spend required
Forex Markup3%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 12 Oct 2026

mastercard
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NEW LAUNCH
4.3
YES BANK Uni GoldX Credit Card

YES BANK Uni GoldX Credit Card

RewardsLifetime FreeShopping
BEST FOR

Appreciating 24K Gold Rewards, UPI Payments, and Zero Forex Travel

Annual Fee₹0 (LTF)
Rewards1.00
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)

Last verified 25 Oct 2026

other
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NEW LAUNCH
Kredit.Pe Max Credit Card

Kredit.Pe Max Credit Card

CashbackRewardsLifetime Free
BEST FOR

Everyday merchant UPI payments, online shopping, and digital gold savings.

Annual Fee₹0 (LTF)
Rewards3% on UPI, 5% on online & gold
Lounge AccessNone / Spend-based
Forex MarkupStandard (3.5%)

Last verified 25 Oct 2026

rupay
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Verified
4.4
Klick RuPay Credit Card

Klick RuPay Credit Card

Shopping
BEST FOR

Mobile-first consumers who want an instant, zero-maintenance virtual credit card to earn rewards on everyday UPI QR code payments at local stores without carrying a plastic card.

Annual Fee₹0 (Free)
Rewards2 RPs for Every ₹200 on Non-UPI Spends
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 9 Sept 2026

rupay
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Verified
4.0
YES ACE Credit Card

YES ACE Credit Card

Shopping
BEST FOR

First-time cardholders, students, and entry-level professionals seeking affordable reward points and entertainment savings.

Annual Fee₹499
RewardsFor Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

rupay
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Verified
4.5
YES Bank BYOC Credit Card

YES Bank BYOC Credit Card

Shopping
BEST FOR

Gen-Z and millennial digital spenders who want personalized reward accelerators tailored directly to their specific spending habits rather than rigid bank-set categories.

Annual Fee₹49
Rewards1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 9 Sept 2026

mastercard
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Verified
4.5
YES Bank EMI Credit Card

YES Bank EMI Credit Card

Shopping
BEST FOR

Budget-conscious consumers, home decorators, and electronics shoppers who regularly finance big-ticket purchases through EMIs and want automatic conversion without documentation.

Annual Fee₹499
RewardsGet 1% cashback on all retail purchases and 3% cashback on selected transactions through YES Cart.
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 9 Sept 2026

mastercard
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Verified
4.6
YES BANK MARQUEE Credit Card

YES BANK MARQUEE Credit Card

TravelShoppingAirport Lounge
BEST FOR

Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers

Annual Fee₹4,999
Rewards36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
Lounge Access6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)
Forex Markup1%
Renewal fee waived on ₹10,00,000 annual spend

Last verified 2 Oct 2026

visa
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Verified
4.3
YES BANK Niyo Credit Card

YES BANK Niyo Credit Card

ShoppingAirport LoungeInternational / Forex
BEST FOR

International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee.

Annual Fee₹0 (Free)
Rewards4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup0% (Zero Forex)

Last verified 9 Sept 2026

visa
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Verified
4.5
YES Bank RESERV Credit Card

YES Bank RESERV Credit Card

TravelShoppingAirport Lounge
BEST FOR

Frequent travelers and corporate executives looking for extensive domestic and international lounge access, golf rounds, and low forex fees under ₹2,500 annual fee.

Annual Fee₹2,499
Rewards24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
Lounge Access3 Domestic + 3 International visits/quarter · ₹1L quarterly spend required (Domestic)
Forex Markup1.75%
Renewal fee waived on ₹3,00,000 annual spend

Last verified 9 Sept 2026

visa
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Verified
4.1
YES Bank RuPay Credit Card

YES Bank RuPay Credit Card

Shopping
BEST FOR

YES BANK customers seeking a digital card to earn rewards on daily QR code UPI payments from credit lines.

Annual Fee₹0 (Free)
Rewards4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 2 Oct 2026

rupay
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Verified
4.1
YES Bank Wellness Credit Card

YES Bank Wellness Credit Card

Shopping
BEST FOR

Health-conscious consumers, families seeking routine preventive medical checkups, and everyday shoppers who prioritize wellness perks.

Annual Fee₹499
Rewards20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

rupay
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Verified
4.1
YES Bank Wellness Plus Credit Card

YES Bank Wellness Plus Credit Card

Airport LoungeHealth
BEST FOR

Health-conscious individuals, fitness enthusiasts, and families wanting annual medical checkups and gym privileges.

Annual Fee₹1,499
Rewards6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.5%
Renewal fee waived on ₹2,00,000 annual spend

Last verified 2 Oct 2026

rupay
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Verified
4.5
YES Elite+ Credit Card

YES Elite+ Credit Card

TravelShoppingAirport Lounge
BEST FOR

Urban professionals who shop online frequently, dine out, watch movies regularly, and want golf privileges and lounge access in a single mid-premium card.

Annual Fee₹999
Rewards12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.
Lounge Access2 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup2.75%
Renewal fee waived on ₹2,00,000 annual spend

Last verified 9 Sept 2026

mastercard
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Verified
4.3
YES FIRST Preferred Credit Card

YES FIRST Preferred Credit Card

ShoppingAirport Lounge
BEST FOR

Corporate executives and frequent domestic travelers looking for balanced travel rewards, low forex markups, and accessible annual spend waivers.

Annual Fee₹999
Rewards4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purch...
Lounge Access2 Domestic visits/quarter + 4 International visits/year · ₹75k quarterly spend required (Domestic)
Forex Markup1.75%
Renewal fee waived on ₹2,50,000 annual spend

Last verified 3 Oct 2026

mastercard
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Verified
4.6
YES Private / Private Prime Credit Card

YES Private / Private Prime Credit Card

TravelShoppingAirport Lounge
BEST FOR

YES Bank Private Banking patrons, CXOs, and frequent global business travelers requiring personalized 24/7 concierge and comprehensive luxury benefits.

Annual Fee₹10,000
Rewards24 Reward Points for every Rs. 200 spent on international spends, 16 Reward Points for every Rs. 200 spent on domestic spends.
Lounge AccessUnlimited Domestic & International
Forex Markup1.75%

Last verified 3 Oct 2026

mastercard
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Verified
4.3
YES Prosperity Cashback Plus Credit Card

YES Prosperity Cashback Plus Credit Card

Shopping
BEST FOR

Active online shoppers and food app users looking for straightforward statement cashback without point expiry or catalogue redemption hassles.

Annual Fee₹1,499
Rewards0.75% cashback on all retail spends, 5% cashback on movies & groceries.
Lounge AccessNone / Spend-based
Forex Markup3%
Renewal fee waived on ₹1,50,000 annual spend

Last verified 3 Oct 2026

mastercard
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Verified
3.8
YES Prosperity Rewards Credit Card

YES Prosperity Rewards Credit Card

Shopping
BEST FOR

Legacy Cardholders, Starter Credit Builders & Basic Utility Spenders

Annual Fee₹499
Rewards4 RPs/₹200 Spent on Dining and Travel. 2 RPs/₹200 Spent on All Categories Other than Select Categories
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹50,000 annual spend

Last verified 2 Oct 2026

mastercard
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Verified
4.2
YES Select Credit Card

YES Select Credit Card

ShoppingAirport Lounge
BEST FOR

Online Shoppers, Mid-Tier Lifestyle Spenders, Golfers & Domestic Flyers

Annual Fee₹599
Rewards8 RPs/₹200 Spent Online, 4 RPs/₹200 Spent Offline and 2 RPs/₹200 for Select Category
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup2.75%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 2 Oct 2026

mastercard
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COMPETITOR BENCHMARK

Compare YES BANK vs Competitor Banks (2026)

Benchmark YES BANK flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

YES BANK vs Competitor Banks (2026 Comparison)

Open Compare Matrix
Bank & Flagship CardKey SpecializationAnnual FeeTop Highlight / PerkAction
Cashback₹1,0005% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)Explore
Cashback₹999Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-inExplore
CashbackFree (LTF)Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal chargesExplore
Cashback₹50025% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks AppExplore
TravelFree (LTF)100% Lifetime Free card with zero joining fee and zero annual maintenance fees foreverExplore
Travel₹5,000Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spendExplore
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About YES BANK Credit Cards

Issuer history, core reward architecture, and market position

Why Choose YES BANK Credit Cards?

Distinctive advantages of holding cards from YES BANK

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

YES BANK Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

  • Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
  • Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
  • Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
  • Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

  • Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
  • Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
  • Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
  • Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.
Frequently Asked Questions

Frequently Asked Questions About YES BANK Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a YES BANK credit card online?
You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen YES BANK card. You will be redirected securely to YES BANK's official digital application portal to complete KYC and application verification.
What are the eligibility and credit score requirements for YES BANK credit cards?
Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.
Can I get an annual fee waiver on YES BANK credit cards?
Many YES BANK credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.
Do YES BANK credit cards support RuPay UPI payments?
Yes, YES BANK issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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