YES Bank SELECT Credit Card
Card Summary
YES Bank SELECT Credit Card is a premium lifestyle card offering rewards and exclusive privileges.
Quick Overview
Expert Review
The YES Bank SELECT Credit Card is designed for professionals and lifestyle-focused spenders. It provides accelerated YES Rewardz Points on shopping, domestic airport lounge access, golf privileges, fuel surcharge waiver, and purchase protection benefits, making it ideal for mid to high spenders.
Key Features
The YES Bank SELECT Credit Card is designed for professionals and lifestyle-focused spenders. It provides accelerated YES Rewardz Points on shopping, domestic airport lounge access, golf privileges, fuel surcharge waiver, and purchase protection benefits, making it ideal for mid to high spenders....
Key Highlights
Reward Rate
2-6%
Annual Fee
₹999 + GST
Rating
4.4/5
Category
Lifestyle
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
Lounge access
Golf privileges
Good rewards
Limitations
Annual fee applicable
Limited international benefits
Fee and Charges
Joining Fee
₹999 + GST
Annual Fee
₹999 + GST
APR
43%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.50% (minimum ₹300) |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 2.75% |
| Over Limit Penalty | 2.50% |
| Fuel Transaction Surcharge | 1% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | ₹0 |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | 2-6% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Lifestyle Spenders
Professionals looking for lifestyle privileges and rewards
How to Apply
Visit YES Bank website
Select YES Bank SELECT Credit Card
Fill application form
Upload documents
Await approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: Minimum ₹6 Lakhs/year
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport
Proof of Address
Aadhaar Card, Passport, Utility Bill
Proof of Income
Salary slips, Form 16, Bank statement
Expert Review
Detailed Analysis
The YES Bank SELECT Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With 2-6% rewards on eligible spends, it makes a compelling option for lifestyle enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹999 + GST and other associated charges. These factors should be weighed against the benefits offered.
Overall, the YES Bank SELECT Credit Card is a good option for those who want a lifestyle credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
Quick Stats
Best Suited For
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