YES SELECT Credit Card
The foundation of YES Bank’s branch and corporate payroll portfolio, the YES SELECT Credit Card balances everyday shopping rewards with entertainment benefits. It provides double points on online retail, monthly BookMyShow ticket discounts, and domestic airport lounge access with an attainable annual fee waiver.
Why We Recommend The YES SELECT Credit Card
YES Bank’s mass-market foundation; the default card issued across branches and corporate payroll relationships.
First-time applicants and mid-level salaried professionals wanting movie savings, online shopping rewards, and lounge access.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES SELECT Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES SELECT Credit Card
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES SELECT Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES SELECT Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹250 discount once a month).
1% fuel surcharge waiver up to ₹250 per statement cycle across Indian fuel pumps.
Accessible fee waiver threshold at ₹1,00,000 annual spend.
Pros & Cons of the YES SELECT Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Widely issued as Lifetime Free (LTF) for corporate salary account holders.
- Useful BookMyShow movie BOGO discount (up to ₹3,000 annual savings).
- Reward points never expire and redeem easily against flight and hotel bookings.
Things to Consider (Cons)
- Lounge access requires meeting a ₹50,000 quarterly spend threshold.
- Standard 3.0% forex fee.
- Base offline reward rate is modest (0.5%).
Who Can Apply for the YES SELECT Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES SELECT Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from YES Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
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YES Bank BYOC introduces modular customization to credit cards. Spenders can configure their own product by choosing between reward points and direct monthly statement cashback, selecting preferred accelerated merchant packs (e.g., 10% on Swiggy or Uber), and picking custom card body designs.
YES ELITE+ Credit Card
A well-rounded mid-tier product designed for corporate executives, the YES ELITE+ Credit Card offers 12 domestic and 2 international Priority Pass airport lounge visits annually. It pairs up to ₹500 in monthly BookMyShow ticket discounts with a subsidized 2.50% foreign exchange markup.
Ready to Apply for the YES SELECT Credit Card?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.