Best YES Bank Online Shopping Credit Card 2026

What is the Yes Bank Online Shopping Credit Card?

Yes Bank offers multiple credit cards designed to enhance the value of your online purchases. Some cards focus on steady rewards for everyday digital spending, while others provide stronger lifestyle features, such as lounge access, lower foreign exchange markups, or movie benefits.

These Yes Bank online shopping credit cards follow the standard billing, repayment and security process. What changes are in the structure of reward points for online shopping, the annual fee, the spend-based waiver rule, and the level of comfort offered through add-on features? Someone who shops lightly may prefer a simpler card, while someone who makes heavy online purchases may find a premium option more rewarding.

Key Highlights of the Yes Bank Online Shopping Credit Card

Yes Bank online shopping credit cards share the same direction, but each one brings its own flavour. Here are the highlights that set them apart.

• Higher rewards on digital spends: Online shopping earns more points than offline purchases across these products, which aligns well with the rising demand for Yes Bank credit card online shopping offers.
• Tiered reward structure: Some cards offer moderate reward rates, while others offer premium tiers for users with higher online spend.
• Lifestyle benefits for premium variants: Access to lounges, special travel offers, lower currency markup, and movie deals are available on higher-tier cards.
• Spend-based annual fee waivers: Renewal fees can be reversed when annual spend exceeds defined thresholds, allowing frequent users to maintain the card at minimal cost.
• Secure online payments: Additional verification steps and contactless payment support help keep your online and offline transactions comfortable and safe.

Key Features of the Yes Bank Online Shopping Credit Card

Yes Bank online shopping credit cards are designed to support regular digital spending with simple earning rules and an easy reward system. To get a clearer picture of what it offers, here are the key features.

• Accelerated online rewards: Online purchases earn points faster than offline transactions, helping frequent shoppers unlock value more easily.
• Standard and select category rewards: Offline spend earns at a lower rate, while chosen categories, such as utilities or education, earn at a specialised slab.
• Simple digital management: You can track statements, redeem points, block or unblock the card and manage limits through the Yes Bank app.
• Protection features on higher-tier cards: Purchase protection, foreign travel comfort, and movie discounts are available on premium cards, providing added value beyond shopping.
• Tap-to-pay support: Contactless transactions speed up and simplify small payments at stores.

Reward Points on Online Purchases

The reward system is where these Yes Bank online shopping credit cards differ the most. Here is a clear picture of how online shopping rewards work on each card.

ACE Credit Card: ACE focuses on simple, frequent online spending.

• 8 YES Rewardz points for every ₹200 spent on eligible online shopping.
• 4 points for every ₹200 spent offline.
• 2 points per ₹200 on select categories.
• No points on rent, fuel, wallets, many government payments, UPI on RuPay or EMI conversions.

SELECT Credit Card: SELECT mirrors the ACE pattern with a slightly higher entry requirement.

• 8 points for every ₹200 on eligible online purchases.
• 4 points on offline spends.
• 2 points on select categories.
• Limited reward earning in specific categories, such as rent, wallets, and government spending.

ELITE+ Credit Card: ELITE+ offers enhanced online benefits and lifestyle support.

• 12 YES Rewardz points for every ₹200 spent on online shopping.
• 6 points per ₹200 on offline transactions.
• 4 points per ₹200 on select categories.
• No points on rent, wallets, fuel, government payments or EMI routes.

RESERV Credit Card: RESERV delivers the highest earn rate among these products.

• 24 YES Rewardz points for every ₹200 spent on online shopping.
• 12 points per ₹200 offline.
• 6 points per ₹200 on select category spends.
• Exclusions apply to rent, wallets, government payments, fuel, and EMI conversions.

Fees & Charges for Yes Bank Online Shopping Credit Card

Yes Bank’s online shopping credit card still incurs a few standard charges based on your usage. It helps to see them in one place before you decide. Here is an overall view of the main fees.

Things to Know Before You Apply for a Yes Bank Online Shopping Credit Card

It is helpful to understand a few points before choosing a Yes Bank online shopping credit card. Some online purchases earn accelerated rewards, but not all digital transactions qualify. Wallet loads, many government categories, high-value fuel transactions, specific education spends, and EMI conversions generally do not earn extra points.

Reward points also come with monthly limits, which matter if you shop heavily during sale seasons or run large bills for electronics or travel. Once the cap is reached, new online purchases earn points at the standard lower rate.

Fee waivers depend on yearly spending, so a card that looks affordable on the surface may cost more if your usage stays on the lower side. These points matter especially when comparing different Yes Bank credit card online shopping offers.

Eligibility Criteria for YES Bank Online Shopping Credit Card

Yes Bank reviews a few basic details before approving the online shopping credit card. These checks help the bank assess repayment comfort and overall financial stability. Here are the usual eligibility requirements for Yes Bank online shopping credit cards.

1. Age requirement: Applicants should be between 21 and 60 years old.
2. Income requirement

• ACE: Minimum salary of ₹25,000 per month or ITR of ₹7.5 lakh
• SELECT: Minimum salary of ₹50,000 per month or ITR of ₹7.5 lakh
• ELITE+: Minimum salary of ₹1 lakh per month or ITR of ₹9 lakh
• RESERV: Minimum salary of ₹2 lakh per month or ITR of ₹18 lakh

1. Employment type: Both salaried and self-employed individuals are eligible to apply.
2. KYC and documentation: Applicants must complete full KYC with valid proof of identity and address.

Documents Required for YES Bank Online Shopping Credit Card

Yes Bank requests a few basic documents to verify identity, address, and income before issuing the online shopping credit card. The exact list may vary slightly by applicant type, but these are the commonly required documents.

• Identity proof: PAN is mandatory, along with an Aadhaar card or a passport.
• Address proof: Aadhaar with current address, passport, voter ID, utility bill or rental agreement.
• Income proof: Salary slips and bank statements for salaried individuals; ITR and business account statements for self-employed applicants.
• Photograph or digital capture: Required during eKYC or video KYC.

How to Apply Through Urban Money

Urban Money keeps the application process organised, so you can move from choosing the card to completing KYC without confusion. The steps stay straightforward from start to finish. Here is how the process usually works.

• Open the credit card section and search for Yes Bank.
• Review the card features, reward structure, fees and eligibility.
• Select the card that matches your spending pattern.
• Provide your basic details, including full name, mobile number, PAN, and email ID.
• Click Proceed and enter additional details, such as income, occupation, and location.
• Upload the required documents for verification.
• Complete eKYC or video KYC.
• Wait for the bank to review your profile and confirm approval.

Conclusion

Yes Bank’s online shopping credit cards cover a wide range of users, from everyday shoppers to premium spenders. Reward rates increase with card level, and lifestyle benefits expand alongside fees. Choosing the right card becomes easy once you understand how much you spend online, how often you travel and which reward structure suits you. With clear reward rules, practical features and options for different income levels, these cards offer a comfortable way to earn value on your regular online purchases.