YES Bank Credit Cards: Offers, Benefits & Rewards

Why Choose a YES Bank Credit Card?

A credit card is considered good only when it offers customers attractive deals, strong cashback, travel benefits, and additional advantages for online shopping. Yes Bank’s credit card portfolio includes unique options such as the BYOC (Build Your Own Card) subscription model and the premium Marquee card.

This bank provides attractive welcome benefits, including long-term cashback and Rewards on Purchases. Moreover, it is known for customisation and Innovation with its Cards.

Entry-Level YES Bank Credit Cards

Find beginner-friendly credit cards that offer easy approval, rewards, fuel savings, and online shopping benefits.

YES ACE Credit Card

YES ACE Credit Card rewards on retail purchases. YES ACE card benefits include YES Rewardz points on all spending. This entry-level card provides accessible credit with basic rewards.

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST (waivable on meeting spend threshold)
• Welcome Benefit: N/A
• Online Shopping: 8 YES Rewardz points per ₹200 spent
• Offline Shopping: 4 YES Rewardz points per ₹200 spent
• Add-on Plans: Up to 5× YES Rewardz points via add-on subscription plans
• Fuel Surcharge Waiver: Available on eligible fuel transactions
• Insurance Coverage: Personal accident cover
• EMV Chip Security: Enhanced fraud protection
• Annual Fee Waiver: Fee waived on achieving annual spending target

The ACE credit card earns eight reward points for every ₹200 spent on online shopping, equivalent to 4% savings. This makes it a sound card for regular online shoppers.

You can earn even more rewards by choosing the optional YES ACE membership plans. If you spend around ₹30,000 per month on shopping, this card can earn you YES Rewardz points worth ₹900 to ₹1,200 per year.

YES Prosperity Rewards Credit Card

The YES Prosperity Rewards Credit Card is ideal for regular buyers who want balanced rewards on everyday spending. It offers YES Rewardz points across multiple categories, ensuring value on almost every purchase. Overall, the card is designed to create consistent, everyday savings rather than limited or one-time advantages.

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST (waivable)
• Welcome Benefit: N/A
• Reward Earning: YES Rewardz points on all eligible purchases
• Shopping Benefits: Enhanced points on retail transactions
• Fuel Surcharge Waiver: 1% on eligible transactions
• Insurance: Purchase protection and accident cover
• Annual Fee Waiver: Available on meeting spending criteria

YES Prosperity Rewards Credit Card provides consistent value through regular spending. Its benefits add up over time, making it suitable for everyday household expenses. For families spending around ₹25,000 per month, the card can earn reward points worth ₹750 to ₹1,000 in a year

YES Bank Wellness Credit Card

The YES Bank Wellness Credit Card offers rewards and lounge access for shoppers. YES Wellness card benefits include airport lounge access, making this card ideal for travel and online spending. 

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST
• Welcome Benefit: N/A
• Reward Earning: 6 YES Rewardz points per ₹200 spent on select categories
• Airport Lounge Access: 2 complimentary domestic lounge visits per quarter (8 annually)
• Shopping Benefits: YES Rewardz points on retail purchases
• Fuel Surcharge Waiver: Available on eligible transactions
• Insurance: Purchase protection cover

Wellness card lounge access with 8 annual visits provides ₹4,000-₹8,000 travel value. YES Wellness rewards accumulate on everyday spending. For travelers spending ₹30,000 monthly with occasional flights, this card delivers ₹6,000-₹10,000 annual value.

Mid-Tier YES Bank Credit Cards

Find the best mid-tier credit cards combining affordability with premium features and rewards.

YES Bank BYOC Credit Card

YES Bank BYOC (Build Your Own Card) Credit Card offers India’s first fully customizable credit card experience. YES BYOC customisation includes choosing card material, rewards program, and merchant offers. This innovative subscription-based card delivers personalised value.

Key Features:

• Joining Fee: ₹249-₹3,499 + GST (depending on card variant: Regular Plastic, Eco-Friendly, or Metal)
• Monthly Subscription Fee: ₹49-₹99 + GST for core benefits (BYOC Rewards: ₹49; BYOC Cashback: ₹99)
• Optional Subscription Plans: Silver (₹99), Gold (₹149), Platinum (₹249), monthly for enhanced merchant offers
• Welcome Benefit: Amazon voucher worth ₹500 on spending ₹1,000 within the first 30 days
• Customisation: Choose between Cashback or Rewards as the core benefit
• Merchant Offers: Up to 10% cashback at selected merchants based on subscription plan
• Plan Flexibility: Change subscription plan anytime (effective next billing cycle)
• Card Design: Customise the card image based on your preferences
• No Subscription Option: Use the card without any subscription plan as a regular card
• Insurance: Standard purchase protection

BYOC customisation flexibility allows monthly plan changes based on spending needs. YES BYOC subscription model at ₹49-₹99 per month (₹588-₹1,188 annually), plus optional merchant plans, delivers tailored rewards.

For someone who consistently uses specific merchants, the Platinum plan (₹249/month = ₹2,988 annually), which offers 10% cashback at select partners, provides ₹3,000-₹6,000 in value on ₹30,000-₹60,000 in annual spending at those merchants, offsetting the subscription cost.

Premium YES Bank Credit Cards

Choose a premium credit card with luxury experiences, international benefits, and rewards.

Yes Bank Marquee Credit Card

Yes Bank Marquee Credit Card represents the bank’s ultra-premium offering for affluent travellers and lifestyle seekers. YES, Marquee lounge access includes unlimited international visits. This flagship card delivers extensive travel and lifestyle benefits.

Key Features:

• Joining Fee: ₹9,999 + GST
• Annual Fee: ₹4,999 + GST (₹5,000 lower than joining fee)
• Fee Waiver: Annual fee waived on spending ₹10 lakh in a year
• Welcome Benefit: 40,000 YES Rewardz points (worth approximately ₹10,000-₹12,000)
• Reward Earning: Accelerated YES Rewardz points on online spends
• Airport Lounge Access – Domestic: 6 complimentary visits per calendar quarter for primary and add-on cardholders (24 annually)
• Airport Lounge Access – International: Unlimited complimentary visits per calendar year for primary and add-on cardholders
• Guest Lounge Access: 2 complimentary domestic guest lounge visits per quarter + 4 complimentary international guest visits per year
• Golf Privileges: 1 complimentary golf lesson per month at select courses
• Dining Benefits: Exclusive discounts at premium restaurants
• Movie Benefits: Special offers on cinema tickets
• Travel Insurance: Premium coverage for flight delays, baggage loss, and medical emergencies
• Foreign Currency Markup: Preferential rates on international transactions
• Purchase Protection: Insurance on eligible purchases
• Milestone Rewards: Bonus points for achieving spending thresholds

 YES, Marquee Credit Card offers superb value for frequent international travellers. It includes unlimited international lounge access, which is especially useful for frequent international travellers. The card also offers 40,000 welcome reward points, valued at around ₹10,000–₹12,000, which helps offset the joining fee.

If you take 20 or more international flights in a year, unlimited lounge access alone can save you ₹40,000–₹80,000, assuming each lounge visit costs ₹2,000–₹4,000.

Additionally, 24 free domestic lounge visits add ₹12,000–₹24,000 in value. For golf lovers, the card includes 12 complimentary golf lessons, valued at approximately ₹36,000–₹48,000 annually.

YES Bank Credit Card Rewards & Redemption

YES Bank Rewardz points redemption offers multiple pathways:

Reward Structures

Card Type	Reward Rate	Points Value
ACE	4-8 points per ₹200	₹0.20-₹0.25 per point
Prosperity Rewards	Standard points per ₹200	₹0.20-₹0.25 per point
Wellness	6 points per ₹200	₹0.20-₹0.25 per point
BYOC	Cashback or rewards (customizable)	Variable
Marquee	Accelerated points	₹0.25-₹0.30 per point

Redemption Options

YES Rewardz points can be redeemed through:

• Travel: Convert to InterMiles or Club Vistara points (10 Rewardz = 1 InterMile/CV Point)
• Gift Vouchers: 150+ brands, including Amazon, Flipkart, dining, and  entertainment
• Merchandise: Electronics, appliances via rewards catalogue
• Statement Credit: Offset balance with accumulated points
• Cashback: Direct cashback for BYOC Cashback variant

Points typically have a value of ₹0.20- ₹0.30 per point, with airline transfers offering higher value.

Eligibility Criteria

YES Bank credit card eligibility requirements:

Age Requirements:

• Primary cardholder: 21-60 years
• Add-on cardholder: 18+ years

Income Criteria:

• Entry-Level (ACE, Prosperity, Wellness): ₹25,000-₹40,000 monthly for salaried; ₹4-₹6 lakh annual ITR for self-employed
• Mid-Tier (BYOC): ₹30,000-₹50,000 monthly for salaried: ₹5-₹8 lakh annual ITR for self-employed
• Premium (Marquee): ₹1,50,000-₹2,50,000 monthly for Salaried: ₹25-₹40 lakh annual ITR for self-employed

Credit Score: 750+ recommended; 800+ preferred for premium cards

Documents Required

• PAN card (mandatory)
• Aadhaar card
• Recent salary slips (3 months)
• Bank statements (6 months)
• Passport-size photographs

YES Bank Credit Card Fees & Charges

Credit Card	Joining Fee	Annual Fee	Fee Waiver
ACE	₹499 + GST	₹499 + GST	Spend-based
Prosperity Rewards	₹499 + GST	₹499 + GST	Spend-based
Wellness	₹499 + GST	₹499 + GST	Spend-based
BYOC	₹249-₹3,499 + GST	₹49-₹99/month + GST	N/A
Marquee	₹9,999 + GST	₹4,999 + GST	₹10 lakh spent

Additional Charges: Interest 3.8-3.99% per month (45.6-47.88% annually), cash advance 2.5%, forex markup 3.5% + GST.

Our Top 2 Picks Based on Salary

Check out the top 2 credit card options selected based on income for smarter spending.

Best Card for a Monthly Salary Below ₹50,000: YES Bank Wellness Credit Card

YES Wellness offers lounge access for ₹499, including eight annual domestic lounge visits valued at ₹4,000- ₹8,000, plus shopping rewards.

Feature	Details
Income	₹25,000-₹40,000 monthly
Fees	₹499 + GST
Lounge Access	2 per quarter (8 annually)
Rewards	6 points per ₹200 on select categories
Best For	Occasional travellers, shoppers
Annual Value	₹5,000-₹9,000

Best Card for Above ₹50,000 Monthly Salary: Yes Bank Marquee Credit Card

YES Marquee offers unlimited international lounge access at ₹9,999 joining fee/₹4,999 renewal fee, delivering ₹50,000-₹1,50,000 in annual value for frequent global travellers.

Feature	Details
Income	₹1,50,000+ monthly
Joining	₹9,999 + GST (one-time)
Annual	₹4,999 + GST
Welcome	40,000 points (₹10,000-₹12,000 value)
Domestic Lounge	24 visits annually
International Lounge	Unlimited
Golf	12 lessons/year
Fee Waiver	₹10 lakh annual spend
Best For	Frequent international travellers, golf enthusiasts
Annual Value	₹88,000-₹1,52,000

Conclusion

YES Bank has experienced both ups and downs over the years, but it is now back in a strong position and steadily growing its credit card business. With options ranging from flexible, customizable cards to premium lifestyle cards, YES Bank now offers a complete credit card package.

The right card always depends on your personal needs and spending habits, whether you want flexibility, travel benefits, lounge access, or premium perks.

The cards listed above include direct apply links, so you can choose your favourite card and apply instantly with a single click.