YES Bank Credit Cards in India 2026

1% benefit on online shopping || 0.50% benefit on offline shopping
– You get 4 rewards points (Yes Rewardz Points) worth ₹1, on every ₹100 you spend online
– You get 2 rewards points (Yes Rewardz Points) worth ₹0.50, on every ₹100 you spend offline
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 5000 reward points in a month. This would be breached only if you spend more than ₹1.25 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.25% benefit only (1 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits
– Lost card liability of ₹1.30 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹1 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– Low minimum income requirement of ₹25,000 per month (for salaried individuals)
– Low annual card spend requirement of ₹50,000, to get annual fee waived from the 2nd year onwards

Drawbacks to consider
– Low rewards and benefits

Choice of 10% cashback (upto ₹100 per month per partner) at upto 5 select partners – BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy: Based on the monthly fee package you choose, get cashback at any 2 partners (Silver Plan), any 3 partners (Gold Plan), OR all 5 partners (Platinum Plan)
– Silver Plan : ₹99 monthly fee || 10% cashback (upto ₹100 per month per partner), at any 2 partners
– Gold Plan : ₹149 monthly fee || 10% cashback (upto ₹100 per month per partner) at any 3 partners
– Platinum Plan : ₹249 monthly fee || 10% cashback (upto ₹100 per month per partner) at all 5 partners

Choice of 1% cashback on all card spends, OR 4 reward points on every ₹100 of all card spends
✔︎ Monthly fee for choosing 1% cashback : ₹99
– Cashback is not given on rental payments, fuel transactions, cash advance fee & charges, and EMI transactions.
– Maximum cashback is capped upto ₹1000 per month.
✔︎ Monthly fee for choosing 4 reward points on every ₹100 of all card spends : ₹49
– Reward points are not given on fuel transactions, cash advance, fee & charges, EMI transactions.

Choice of normal plastic card || eco-friendly card || metal card
– One time fee for normal plastic card : Zero
– One time fee for eco-friendly card : ₹249
– One time fee for metal card : ₹3499

Choice of personalising your credit card, with an image you love

Complimentary access to airport lounges in India – 1 per quarter

Complimentary golf rounds – 4 per year

Fuel surcharge waiver
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– Choice to personalise benefits, as well as appearance of your card
– Monthly fee, and ability to switch plans gives flexibility

Drawbacks to consider
– 10% cashback benefit only given on low spends at the 5 partners

1.50% benefit on online shopping || 0.75% benefit on offline shopping
– You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on online shopping
– You get 3 rewards points (Yes Rewardz Points) worth ₹0.75, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 12000 reward points in a month. This would be breached only if you spend more than ₹2 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.50% benefit only (2 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to international airport lounges – 3 per year

Complimentary visits to domestic airport lounges – 2 per quarter

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Complimentary insurance benefits
– Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹3 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– Complimentary airport lounge access both in India and abroad
– Complimentary golf rounds

Drawbacks to consider
– Comparatively low reward rate on card spends, especially on offline spends

4.50% benefit on online shopping || 2.25% benefit on offline shopping
– You get 18 rewards points (Yes Rewardz Points) worth ₹4.50, on every ₹100 you spend on online shopping (see exceptions below)
– You get 9 rewards points (Yes Rewardz Points) worth ₹2.25, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 1 lakh reward points in a month. This would be breached only if you spend more than ₹5.55 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 1.25% benefit only (5 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Unlimited free visits to international airport lounges

Complimentary visits to airport lounges in India – 6 per quarter

Guest visits to airport lounges (domestic or international) – 8 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
– Buy one ticket and get up to ₹800 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Low fee (foreign currency markup) of 1% on international transactions

Fuel surcharge waiver, upto ₹1000 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto 1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Complimentary insurance benefits
– Lost card liability of ₹15 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death
– Purchase protection plan : Cover against accidental damage for 6 months, for mobile & electronic devices purchased online

Benefits
– 4.50% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India (6 per quarter) and abroad (unlimited)
– Complimentary golf rounds (4 per year)
– Low fee of 1% on international transactions

Drawbacks to consider
– Can get higher rewards on other premium cards, especially on certain spends like supermarket purchases

3% benefit on online shopping || 1.50% benefit on offline shopping
– You get 12 rewards points (Yes Rewardz Points) worth ₹3, on every ₹100 you spend on online shopping
– You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on offline shopping
– 1 reward point = ₹0.25, and can be redeemed for vouchers, products and more.
– Restrictions : You can earn a maximum of 36000 reward points in a month. This would be breached only if you spend more than ₹3 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.75% benefit only (3 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to airport lounges in India – 3 per quarter

Complimentary visits to international airport lounges – 6 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits
– Lost card liability upto ₹30 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– 3% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India and abroad
– Complimentary golf rounds

Drawbacks to consider
– Lower rewards and benefits, especially on offline spends

1% benefit on online shopping || 0.50% benefit on offline shopping
– You get 4 rewards points (Yes Rewardz Points) worth ₹1, on every ₹100 you spend on online shopping
– You get 2 rewards points (Yes Rewardz Points) worth ₹0.50, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 5000 reward points in a month. This would be breached only if you spend more than ₹1.25 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.25% benefit only (1 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to airport lounges in India – 1 per quarter

Complimentary golf – 4 free golf rounds per year (maximum 1 per month), 1 free golf lesson per month

Fuel surcharge waiver, upto ₹250 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Complimentary insurance benefits
– Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹3 lakhs, which protects your dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– Complimentary lounge access both in India and abroad
– Complimentary golf rounds
– Above lifestyle benefits normally not available on cards with similar annual fee

Drawbacks to consider
– Low reward rate on card spends, especially on offline spends

6 free fitness sessions (gym, yoga, zumba etc) per month – through Aditya Birla Wellness Multiply app

Other complimentary health benefits – through Aditya Birla Wellness Multiply app
– Free annual preventive health checkup, on upto 25 parameters
– Annual eye and dental check up
– Unlimited consultations with nutritionist, general practitioner and specialists

2.50% benefit on purchases at chemists/pharmaceutical stores
– You get 10 rewards points (Yes Rewardz Points) worth ₹2.50, on every ₹100 you spend in this category
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– This is not valid on EMI transactions

0.50% benefit on all other card spends
– You get 2 rewards points (Yes Rewardz Points) worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Exceptions : No reward points are given on fuel transactions, EMI transactions, cash withdrawals, fees & charges

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– Good health, fitness & wellness benefits
– Low minimum income requirement of ₹20,000 per month (for salaried individuals)

Drawbacks to consider
– No annual fee related offers
– Need to consider other cards, to earn high rewards on non-fitness/wellness spends