YES Bank has grown into one of India’s most active credit card issuers, with over 27.6 lakh active cards as of late 2025. The bank offers more than 20 personal and business credit card variants, ranging from lifetime-free entry-level cards to premium offerings with unlimited international lounge access.
Whether you are looking for a card that rewards UPI spending, one that earns accelerated points on online shopping, or a premium travel card with global lounge access, YES Bank has a variant that fits. This guide covers every YES Bank credit card available in 2026, with an honest comparison of fees, reward structures, eligibility requirements, and the benefits that actually matter for everyday use.
Complete List of YES Bank Credit Cards- Comparison Table
Here is a side-by-side comparison of every major YES Bank credit card, grouped by tier.
Premium Tier
| Card Name | Joining Fee | Annual Fee | Reward Rate | Lounge Access | Best For |
| YES Private Prime | By invitation | By invitation | 8 RP per ₹100 | Unlimited domestic + international | Ultra-HNI customers |
| YES Private | By invitation | By invitation | 8 RP per ₹100 | Unlimited domestic + international | HNI customers |
| YES MARQUÉE | ₹9,999 + GST | ₹4,999 + GST | 36 RP/₹200 online, 18 RP/₹200 offline | Unlimited international + 6 domestic/quarter | Frequent international travellers |
| YES RESERV | ₹2,499 + GST (waivable) | ₹2,499 + GST (waivable at ₹3L spend) | 24 RP/₹200 online, 12 RP/₹200 offline | 3 domestic/quarter + 6 international/year | Online spenders who travel |
Mid-Range Tier
| Card Name | Joining Fee | Annual Fee | Reward Rate | Lounge Access | Best For |
| YES ELITE+ | ₹999 + GST (waivable) | ₹999 + GST (waivable) | 12 RP/₹200 online, 6 RP/₹200 offline | 3 domestic/quarter + 2 international/year | All-rounder with travel perks |
| YES SELECT | ₹599 + GST (waivable) | ₹599 + GST (waivable) | 8 RP/₹200 online, 4 RP/₹200 offline | 1 domestic/quarter | Mid-level salaried professionals |
| YES First Business | ₹2,499 + GST | ₹2,499 + GST | 12 RP/₹200 | 2 domestic/quarter + 6 international/year | Business owners |
Entry-Level & Lifetime Free
| Card Name | Joining Fee | Annual Fee | Reward Rate | Lounge Access | Best For |
| YES ACE | ₹499 + GST | ₹499 + GST | 8 RP/₹200 online, 4 RP/₹200 offline | None | Digital-first users |
| YES BYOC | Varies | Varies | Customisable | Customisable | Users who want to pick their own perks |
| Klick (via Kiwi) | ₹0 | ₹0 | 1.5% UPI cashback | 3/year (with Neon membership) | UPI-heavy daily spenders |
| POP Club | ₹0 | ₹399 + GST (waivable at ₹1.5L) | 10 POPcoins/₹100 online | None | Online shoppers |
| PaisaSave (BankBazaar) | ₹0 | ₹399 + GST (waivable at ₹1L) | 6% on dining/travel, 1% on rest | None | Dining and travel spenders |
| Uni | ₹0 | Waivable | 1% Uni Coins | None | Zero forex users |
| FinBooster (BankBazaar) | ₹0 | ₹0 | 5x on dining, 3x on grocery/apparel | None | Everyday e-commerce users |
| Prosperity Rewards Plus | Against FD (₹50K min) | Against FD | 4 RP/₹200 | None | Users building credit history |
For a detailed review of the YES Bank POP Club credit card [/blog/yes-bank-pop-club-credit-card/], including POPcoins redemption value and an honest pros-and-cons breakdown, see our dedicated review.
YES Bank Credit Cards for UPI Payments
UPI payments with credit cards are only possible through the RuPay network. Visa and Mastercard credit cards cannot be linked to UPI apps. YES Bank issues several RuPay credit card variants, making them compatible with UPI Scan & Pay across India.
The RuPay cards available from YES Bank include the Klick card (issued via Kiwi), POP Club, PaisaSave RuPay, Uni RuPay, FinBooster RuPay, and Zagg RuPay. Some of these are virtual-only companions issued alongside a physical Mastercard or Visa variant.
For users who rely heavily on UPI for daily spending, the cashback and reward rates on UPI transactions vary significantly across these cards. The Klick card via Kiwi offers 1.5% flat cashback on UPI Scan & Pay, while POP Club offers POPcoins and PaisaSave provides 1% on transactions above ₹2,000.
If UPI is your primary payment method, read our detailed comparison of the best YES Bank credit card for UPI payments [/blog/best-yes-bank-credit-card/] to find which card gives you the highest return on daily scan-and-pay transactions. You can also learn more about the YES Bank RuPay credit card benefits [/blog/yes-bank-rupay-credit-card-benefits-explained-for-everyday-spending/] and how they work for everyday spending.
To get started with UPI payments using your YES Bank card, follow our step-by-step guide on how to link your YES Bank credit card to UPI [/blog/how-to-link-yes-bank-credit-card-to-upi/] on Google Pay, PhonePe, Paytm, and other apps.
Reward Points and Cashback- How YES Bank Cards Earn
YES Bank credit cards earn reward points under the YES Rewardz programme. The earning rate depends on your card variant and spending category.
Most YES Bank cards earn reward points per ₹200 spent, with accelerated rates on online transactions. Premium cards like the MARQUÉE earn 36 reward points per ₹200 on online shopping, while mid-range cards like SELECT earn 8 reward points per ₹200.
The value of YES Bank reward points depends on how you redeem them. When redeemed against products from the YES Rewardz catalogue, 1 reward point equals approximately ₹1. When converted to air miles (Club Vistara or InterMiles), 4 reward points equal 1 air mile.
Certain categories are excluded from reward point accrual across all YES Bank cards. These include government payments, rent, cash withdrawals, wallet loading, and fuel (on some cards). This is an important consideration when estimating the real value you will earn.
As an alternative to the points-based system, cashback cards like the Klick card (via Kiwi) and PaisaSave offer direct cashback that requires no redemption effort. For UPI-heavy users, this often provides better practical value than accumulating reward points.
For a complete guide on earning rates per card, point valuation, and the best redemption strategies, see our detailed breakdown of how to earn and redeem YES Bank reward points [/blog/yes-bank-credit-card-reward-points/].
Lounge Access- Which YES Bank Cards Get You In?
Airport lounge access is available on several YES Bank credit cards, but the number of complimentary visits and eligibility conditions vary considerably.
| Card | Domestic Visits/Quarter | International Visits/Year | Spend Threshold | Network |
| YES Private / Private Prime | Unlimited | Unlimited (with guest access) | None | Priority Pass |
| YES MARQUÉE | 6/quarter | Unlimited | None | Priority Pass + MasterCard Lounge |
| YES RESERV | 3/quarter | 6/year | None | Priority Pass |
| YES ELITE+ | 3/quarter (conditional) | 2/year | ₹50,000 in preceding quarter | Priority Pass |
| YES SELECT | 1/quarter (conditional) | None | ₹50,000 in preceding quarter | MasterCard Lounge |
| YES First Business | 2/quarter | 6/year | None | Priority Pass |
| Klick via Kiwi (Neon) | Up to 3/year | None | Via Kiwi Neon membership | DreamFolks |
Important: For cards with spend-based conditions (Elite+ and SELECT), you must spend ₹50,000 or more in the preceding quarter to qualify for complimentary lounge access in the following quarter. Lounge access benefits are typically available only to primary cardholders, not add-on users.
For complete details on which lounges are accessible, guest policies, and the step-by-step process to enter a lounge, see our full YES Bank credit card lounge access guide [/blog/yes-bank-credit-card-lounge-access/].
Fees and Charges Overview
YES Bank credit card fees vary from ₹0 (lifetime free cards) to ₹9,999 + GST for premium offerings. Here is a summary:
Most entry-level cards like Klick (Kiwi), FinBooster, and the RuPay companion cards come with zero joining and annual fees. Mid-range cards like Elite+ (₹999) and SELECT (₹599) offer fee waivers on meeting annual spending thresholds. Premium cards like MARQUÉE (₹9,999 joining) and RESERV (₹2,499) carry higher fees that may be partially waivable.
Interest rates across YES Bank credit cards range from 1.99% to 3.99% per month, depending on the card variant and whether you hold a YES Bank savings or salary account. Forex markup fees range from 1.75% (RESERV, First Business) to 3.5% for most other variants.
From January 2026, YES Bank implemented revised surcharges on utility payments, education payments, and wallet loading, with a 1% charge above specified monthly thresholds. This is an important update for users who make large utility or education payments via credit card.
For the full breakdown including late payment slabs, cash advance charges, and the complete surcharge structure, read our detailed YES Bank credit card charges guide [/blog/yes-bank-credit-card-charges/].
Eligibility and How to Apply
The general eligibility requirements for YES Bank credit cards include being aged between 21 and 60 years, being a salaried employee or self-employed individual with a stable income, and having a CIBIL score of 700 or above (750+ preferred for premium cards).
Income requirements vary significantly by card tier. Premium cards like MARQUÉE and RESERV require a minimum monthly income of ₹1.5 to ₹2 lakhs or equivalent ITR. Mid-range cards like Elite+ and SELECT require ₹60,000 to ₹1 lakh monthly. Entry-level cards like ACE and POP Club are accessible with incomes starting at ₹25,000 per month.
You can apply for YES Bank credit cards online through the bank’s official website or through partner platforms. For the Klick card, the application process happens entirely through the Kiwi app, with digital KYC and instant virtual card issuance.
For card-wise income requirements, a complete documents checklist, and the step-by-step application process, see our guide on how to check eligibility and apply for YES Bank credit cards [/blog/yes-bank-credit-card-apply/].
How to Pay Your YES Bank Credit Card Bill
YES Bank provides multiple payment methods including UPI, net banking, NEFT/IMPS from any bank, auto-debit standing instructions, the iris mobile app, BillDesk, and cash or cheque at a branch. The IFSC code for credit card payments via NEFT is YESB0CMSNOC.
UPI and IMPS payments are reflected instantly, while NEFT may take up to 2 hours on working days. Auto-debit is the most convenient option for ensuring you never miss a due date.
For a detailed comparison of all payment methods, including speed, charges, and step-by-step instructions for each, read our complete guide to all YES Bank credit card bill payment methods [/blog/yes-bank-credit-card-payment/].
Current Offers and Deals
YES Bank regularly updates credit card offers across categories like dining, shopping, travel, and welcome bonuses. Current highlights for April 2026 include welcome reward points on select cards, cashback on partner platforms, and seasonal promotional offers.
Offer details change frequently. For the most up-to-date list of active promotions, visit our regularly updated YES Bank credit card offers page [/blog/yes-bank-credit-card-offers/].
Frequently Asked Questions
It depends on your spending pattern.
– UPI-heavy users, the Klick card via Kiwi offers the best cashback on scan-and-pay transactions.
– Online shoppers, the MARQUÉE or POP Club offers strong rewards.
– Travellers, the RESERV or ELITE+ provide lounge access and low forex markup.
Visit the YES Bank website, navigate to the credit cards section, choose your preferred card, and click Apply Now. Alternatively, you can apply for the Klick card entirely through the Kiwi app. Read our complete application guide [/blog/yes-bank-credit-card-apply/] for step-by-step instructions.
Only YES Bank RuPay credit cards can be linked to UPI. Visa and Mastercard variants are not supported. Cards like the Klick (via Kiwi), POP Club, and PaisaSave RuPay can be used for UPI Scan & Pay.
Interest rates range from 1.99% to 3.99% per month depending on the card variant and banking relationship. See our complete charges breakdown [/blog/yes-bank-credit-card-charges/] for card-wise details.
You can track your application online using the 13-digit reference number sent via SMS, by calling 1800-103-1212, or by visiting the YES Bank website. See our application status tracking guide [/blog/yes-bank-credit-card-status/] for all methods.
YES Bank offers 8+ payment methods including UPI, net banking, NEFT/IMPS, auto-debit, CRED, and cash at branch. For step-by-step instructions, see our bill payment guide [/blog/yes-bank-credit-card-payment/].
Looking for a lifetime-free YES Bank credit card for everyday UPI payments? Check your eligibility for the Kiwi YES Bank Klick card → [/cards/yesbank/]
