YES Bank SELECT Credit Card

Milestone Benefits– Spend Rs. 6 lakh in a year and earn 15,000 bonus reward points.

Renewal Fee Waiver– Spend Rs. 75,000 in a year and get a waiver on the renewal membership fee for the subsequent year.

Preferred Reward Points- Earn reward points on this card for every purchase on select categories, at the given rate-

• 4 reward points on every Rs.200 spent on all categories (except select categories)
• 2 reward points for every Rs.200 spent on select categories
• 5X reward points on first three transactions of the biller registered on YES PayNow (T &C applied)

Multiple Redemption Offers- YES Bank offers multiple ways to redeem the reward points-

• Purchase from YES Bank’s exclusive rewards catalogue
• Convert reward points into Intermiles or Club Vistara Points (10 Points = 1 Intermile/1Club Vistara Point)
• Book movie tickets, hotels, or flight tickets using the reward points on YES Bank’s dedicated website YesRewardz

Note: NRI cardholders can redeem their rewards only for flights, hotels, and movie tickets.

Lounge Access- SELECT Credit Card allows the user to access airport lounges across the globe through-

• Display your LoungeKey logo to avail complimentary lounge access outside India. You will be charged US $27+ GST for all visits
• 1 complimentary domestic lounge visits can be availed per calendar quarter only by the primary cardholder

Golf Privilege- Following are the golf benefits that can be availed

•  4 complimentary rounds of green fees per calendar year at select golf courses in India
• 1 complimentary golf lesson every calendar month at select golf courses in India

Insurance Benefits- The card also offers insurance cover including-

• Flight Accident Cover of up to Rs. 50 lakh
• Emergency overseas hospitalization cover Rs. 15 lakh
• Credit Shield cover in case of accidental death of the primary cardholder

Fuel Surcharge Waiver-  1% fuel surcharge waiver across all fuel stations in India for transactions between Rs. 400 and Rs. 5,000.

Lifestyle Benefits– Avail multiple offers on YES Bank Credit Cards under YES Privileges.

The fees and charges associated with YES Bank SELECT Credit Card are:

Fee/Charge	Amount/Rate
Joining Fee	Rs. 399+ Taxes (waived off on spending Rs. 15,000 or more within 90 days of card activation)
Renewal Fee	Rs. 399+ Taxes (waived off on spending Rs. 75,000 or more in a year )
Interest-free Period	Up to 50 days
Cash Withdrawal Limit	30% of the credit limit
Finance Charges/Cash Advance Fee	3.50% of the amount
Overlimit Fee	2.5% of the over-limit amount (min. Rs. 500)
Foreign Exchange Mark-up	3.00%
Late Payment Charges	For balance- Below  or equal to Rs. 100- Nil From Rs. 101 to Rs. 500- Rs. 150 From Rs. 501 to Rs. 5,000- Rs. 500 From Rs. 5,001 to Rs. 20,000- Rs. 750 Above Rs. 20,000- Rs. 1,000
Add-on Card Fee	Nil (up to 3 cards can be issued)
Payment Return Charges (Autopay/Cheques)	Rs. 350 per instance

Criteria	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Net income – Rs. 60,000
Minimum Income for Self-employed Applicants	Income Tax Returns of 7.20 lakh or above
Age	21 to 60 years old
Documents Required	Click Here for the list of acceptable documents
Serviceable Cities	Click here for the list of eligible cities

YES Bank SELECT Credit Card is a great option if you are looking for an entry-level card with great reward points and redemption offers. Not only this, you can avail various benefits across multiple categories such as traveling, golf sessions, dining, etc. The key reason to apply for this card is that you can earn 15,000 bonus reward points if you spend Rs. 6 lakh or above in a year.

What are the ways to connect with YES Bank Credit Card Customer Card?
You can connect with YES Bank Credit Card Customer Care in the following ways:

• 1800 103 1212 (Toll-Free for Mobile & Landlines in India)
• +91 22 4935 0000 (When Calling from Outside India)
•  Email us at yestouchcc@yesbank.in

Is there a renewal fee waiver on YES Bank SELECT Credit Card?
Yes, there is a renewal fee waiver on YES Bank SELECT Credit Card. Users only have to spend Rs. 75,000 in a year to waive this feature.

How can I make YES Bank Credit Card bill payment?
You can make YES Bank Credit Card bill payment through the following channels:

If you are a YES Bank Account holder:

• Net Banking
• Standing Instruction

For all customers:

• NEFT/IMPS/RTGS
• Billdesk
• Cheque Payment
• Cash Payment

Can I get YES Bank SELECT Credit Card against fixed deposit?
No, you cannot avail YES Bank SELECT Credit Card against fixed deposit.