What is the limit of the YES Bank Select Credit Card?

The limit of your YES Select Credit Card depends on your credit history, debt and income. YES Bank reserves the right to decide the limit for your credit card.

Whom should I contact to get the golf benefits on the YES Bank Select Credit Card?

You need to call 18001026263 to get the golf benefits available with the YES Bank Select Credit Card.

Does YES Bank Select Credit Card lounge access include international perks?

You cannot avail international airport lounge access with the YES Bank Select Credit Card. However, you can get 1 free domestic lounge access per calendar quarter.

What is the password for IVR transactions using YES Bank Select Credit Card?

If you want to use IVR transactions, you need to send an SMS mentioning ‘YESIVR’ followed by the last 4 digits of your YES Bank Select Credit Card from your registered mobile number to 9212738927.

Can I apply for a YES Bank Select Credit Card if I already have a credit card with the bank?

No, YES Bank does not accept applications for the Select Credit Card from existing cardholders.

YES Bank Select Credit Card: Features, Eligibility & Other Key Details

Name: YES Bank Select Credit Card: Features, Eligibility & Other Key Details
Brand: Banking
Rating: 4.8 (12794 reviews)

You can earn up to 5,000 reward points with the YES Bank Select Credit Card on every statement cycle. The reward points come with both online and offline transactions, helping you maximise your savings with every spend. Before applying, take a moment to explore the features, eligibility and other associated details so you can make a smart, well-informed choice.

YES Bank Select Credit Card Benefits

With the YES Bank Select Credit Card, you can get a preferential foreign currency markup at 2.75%. In addition, you can get up to ₹50,000 insurance cover on accidental damage of any electronic purchase made with this card.

Here are a few more exciting benefits and features you should know about:

You can get 1 complimentary domestic airport lounge access per quarter.
If you spend on fuel transactions between ₹400 and ₹5,000, you can get a 1% fuel surcharge waiver.
You can get 4 complimentary golf rounds per year in India and 1 complimentary golf lesson per year.
As a cardholder, you can get ₹3 lakh credit shield and lost card liability cover each.
You can get 4 YES Rewardz points on every ₹200 spent on online shopping.
The card offers 4 YES Rewardz points on offline shopping for each ₹200 spent and 2 Rewardz points on select categories (every ₹200).

YES Bank Select Credit Card Eligibility Criteria

To apply for the YES Bank Select Credit Card, you will need to meet the eligibility criteria set by the bank. These include specific requirements related to age, employment status and income as detailed below:

You need to be between 21 and 60 years old.
As an applicant, you can be either salaried or self-employed.
The income criteria are a minimum monthly net salary of ₹50,000 or a minimum Income Tax Return of ₹7.5 lakh per year.

The bank might ask for income proof such as Form 16, salary slip (last 3 months), bank statement and Income Tax Return as documents when you apply for the card. In addition, you might have to submit identity proof and address proof, such as PAN card and Aadhaar card.

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YES Bank Select Credit Card Charges

The Select Credit Card by YES Bank attracts an interest of 3.99% per month or 47.88% per year on outstanding amount, cash facility and revolving credit. In addition, here are the other charges applicable to this card:

Parameters	Fees and Charges
Membership Fee for the first year	₹599 + taxes (waived off on spending ₹10,000 within 1 month from the card issuance date)
Renewal Fee	₹599 + taxes (waived off on spending ₹1 lakh within the preceding 12 months)
Wallet Transaction Fee	₹1 or 1% of the transaction value, whichever is higher
Utility Charges	1% of the transaction value on spending above ₹15,000 each month + Goods and Services Tax (upper limit of the fee per month is ₹3,000)
Education Fee Payment Charges	1% of the value of transactions using third-party portals (maximum limit of fee ₹5,000 per month)
Fuel Transaction Charge	1% of the fuel transaction value above ₹10,000 + GST
Bridge/Toll Charges	1% of the transaction amount above ₹10,000 + GST (maximum limit of fee per month is ₹5,000)

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