YES Bank Select Credit Card
YES Bank YES Bank

YES Bank SELECT Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Rs. 399 + Taxes

Renewal Fee: Rs. 399 + Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Rs. 399 + Taxes

Renewal Fee: Rs. 399 + Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The YES Bank SELECT Credit Card (formerly Prosperity Edge) is designed to offer exciting rewards with exclusive benefits. It comes with a joining fee of just ₹599. This can also be waived if you spend ₹10,000 within the first 30 days. This card offers incredible perks like bonus reward points, spend-based renewal fee waivers, complimentary lounge access, fuel surcharge waivers, and more. This is an amazing opportunity for frequent shoppers to save money through rewards and enjoy other premium benefits.

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All You Need To Know

Card Type

Rewards & Travel

Milestone Benefits
  • Earn 15,000 bonus reward points by spending Rs. 6 lakh within a year.
Renewal Fee Waiver
  • Your renewal fee is waived if you spend Rs. 75,000 in a year.
Rewards Points
  • 4 reward points for every Rs. 200 spent on most categories.
  • 2 reward points for every Rs. 200 spent on select categories.
  • 5X reward points on the first three transactions made using YES PayNow (T&C apply).

    • Also remember that categories such as Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges are excluded from the 10X Reward Points threshold.

Multiple Redemption Options
  • Making purchases from YES Bank’s rewards catalog.
  • Convert reward points into Intermiles or Club Vistara Points (10 Points = 1 Intermile/Club Vistara Point).
  • The points can also be used to book movie tickets, flight tickets, or hotels via YES Bank’s YesRewardz website.
  • Note: NRI cardholders can redeem only for flights, hotels, or movie tickets.
Lounge Access
  • Enjoy global lounge access using the LoungeKey logo outside India for $27 + GST per visit.
  • 1 complimentary domestic lounge visit per calendar quarter for the primary cardholder.
Golf Privileges
  • You can avail 4 complimentary rounds of green fees annually at select golf courses in India.
  • You also get 1 free golf lesson every month at select golf courses.
Insurance Benefits
  • It offers Flight Accident Cover up to Rs. 50 lakh.
  • Emergency overseas hospitalization covers up to Rs. 15 lakh.
  • Credit Shield cover in case of accidental death.
Fuel Surcharge Waiver
  • It offers a 1% waiver on fuel transactions ranging from Rs. 400 to Rs. 5,000 at all fuel stations in India.
Lifestyle Benefits
  • you can also avail exclusive offers under YES Privileges on retail, dining, and more.

YES Bank SELECT Credit Card Eligibility:

Eligibility Criteria of YES Bank SELECT Credit Card

  • Age: 21 to 60 years
  • Minimum Income for Salaried Applicants: Net income of Rs. 60,000 per month
  • Minimum Income for Self-employed Applicants: Both salaried and self-employed individuals can apply for this credit card
  • Occupation: Salaried or Self-employed

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India (OCI) Card, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, UIDAI Letter, or any other government-approved photo ID.
  • Proof of Address: Aadhaar Card, Driver’s License, Passport, Utility Bill (not older than 3 months), Ration Card, Property Registration Document, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest salary slips (not older than 3 months), Latest Form 16, Last 3 months' bank statements.

Note: YES Bank may request additional documents as per their internal policies.

Fees and charges that apply to YES Bank SELECT Credit Card:

Fee / Charge Amount/Rate
Renewal Fee Rs. 399 + Taxes (waived off on spending Rs. 75,000 or more in a year)
Joining Fee Rs. 399 + Taxes (waived off on spending Rs. 15,000 or more within 90 days of card activation)
Finance Charges 3.99% p.m. (47.88% p.a.)
Late Payment Charges - Up to Rs. 500: Nil - Above Rs. 500: Rs. 1,350 or 10% of the total outstanding amount, whichever is lower
Rewards Redemption Fee Rs. 100 + GST
Foreign Currency Markup 2.75% on all foreign currency spends
Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
Cash Advance Charges 3.5% of the amount withdrawn

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The YES Bank SELECT Credit Card is a rewards-based card designed for frequent shoppers. It offers benefits like bonus reward points, lounge access, a fuel surcharge waiver, and a joining fee waiver if you meet the spending requirement.

With the YES Bank SELECT Credit Card, you earn 4 reward points per ₹200 spent on most categories and 2 reward points per ₹200 on select categories. You also get 5X reward points on the first three transactions with YES PayNow. The points can be redeemed for shopping, travel, and entertainment.

The YES Bank SELECT Credit Card gives you 15,000 bonus reward points if you spend ₹6 lakh in a year. Additionally, your renewal fee is waived if you spend ₹75,000 annually.

Yes, the YES Bank SELECT Credit Card provides one free domestic lounge visit per quarter and global lounge access via the LoungeKey program at $27 + GST per visit. It also includes complimentary golf rounds and lessons at select courses.

The YES Bank SELECT Credit Card includes flight accident cover up to ₹50 lakh, emergency overseas hospitalization coverage of ₹15 lakh, and a credit shield in case of accidental death.

Yes, the YES Bank SELECT Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India.

To apply for the YES Bank SELECT Credit Card, you must be salaried or self-employed. Salaried applicants need a minimum monthly income of ₹60,000, while self-employed applicants must show an annual income of ₹7.20 lakh in ITR. The age requirement is 21 to 60 years.

For the YES Bank SELECT Credit Card, you’ll need identity proof (like PAN or Aadhaar), address proof (like a passport or utility bill), and income proof (salary slips, Form 16, or bank statements). YES Bank may ask for additional documents if needed.

The YES Bank SELECT Credit Card has a joining fee of ₹399, which is waived if you spend ₹15,000 in the first 90 days. The renewal fee is also ₹399 but is waived if you spend ₹75,000 in a year. The foreign currency markup is 2.75%, and finance charges are 3.99% per month (47.88% annually).

You can apply for the YES Bank SELECT Credit Card online via the YES Bank website by filling out the form and uploading your documents. You can also visit a branch to apply in person. Once approved, the card will be dispatched to your registered address.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

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