The YES BANK Select Credit Card is a mid-tier card that YES BANK is currently offering lifetime free for a limited period. It earns 8 reward points per ₹200 online and 4 offline, includes a domestic lounge visit every quarter and adds golf benefits, all without a fee.
How the rewards work
| Where you spend | What you earn |
|---|---|
| Online purchases | 8 reward points per ₹200 |
| Offline retail spends | 4 reward points per ₹200 |
| Redemption | Vouchers, travel bookings and merchandise |
Good to know: the offer data does not state a rupee value per point, so check YES BANK’s redemption catalogue to see what your points are worth before comparing it with a cashback card.
What you would actually earn
Spend ₹15,000 a month online and ₹10,000 offline and you earn 600 + 200 = 800 points a month, or 9,600 a year. Since you pay no fee, everything you redeem is a net gain. Shift as much spending online as you can, because that doubles your earn rate.
Travel and lifestyle perks
- Lounges: 1 complimentary domestic airport lounge visit every quarter.
- Golf: 4 complimentary green-fee waivers a year and 1 free golf lesson every month.
- Forex: a 2.75% markup on international transactions, lower than many entry-level cards.
- Fuel: 1% surcharge waiver on ₹400–₹5,000, subject to a monthly cap.
Things to keep in mind
The lifetime free status is a limited-period offer. Check the fee terms on your welcome letter so you know exactly what applies to your card. As with any card, pay the full balance each month so interest does not cancel out your rewards.
Golf perks are a nice extra if you play: 4 green-fee waivers a year and a free lesson every month are usually features of far more expensive cards.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Forex markup | 2.75% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹50,000 a month or more |
| Income (self-employed) | ITR above ₹7.5 lakh a year |
| Credit score | 700 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on YES BANK site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you earn ₹50,000+ a month and want a free card with lounge access, golf perks and decent online rewards.
Skip it if you qualify for the Elite+ (₹1 lakh a month income), which earns more points and adds international lounges, also lifetime free.
