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Best YES Bank Rewards Credit Card 2026

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Popular YES Bank Rewards Credit Card Offers

Scout through some of the best hand-picked credit card offers.

Yes Bank Pop Credit Card

Fuel
Rewards

Joining Fee: Nil
Annual/Renewal Fee: Nil

Earn 10 POPcoins for every Rs. 100 spent on online transactions.
Earn 2 POPcoins for every Rs. 100 spent on offline purchases.
Get accelerated POPcoins across 500+ selected brands via the POPclub app.

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YES Private

Travel
Rewards
Premium

Joining Fee: ₹50,000 + taxes
Annual/Renewal Fee: ₹10,000 + taxes

2X rewards on international spends.
Unlimited domestic & international visits.
Exclusive privileges with premium hotels.

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ELITE+ Credit Card

Lounge Access
Rewards
Online Shopping

Joining Fee: ₹999 + taxes
Annual/Renewal Fee: ₹999 + taxes

Credit Shield Cover of up to Rs. 3 Lakh.
Lost Card Liability Cover of up to Rs. 3 Lakh.
25% discount on movie tickets booked via BookMyShow.

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ACE Credit Card

Shopping
Rewards
Online Shopping

Joining Fee: ₹499 + taxes
Annual/Renewal Fee: ₹499 + taxes

4X rewards on online spends.
2X rewards on offline spends.
1% fuel surcharge waiver on fuel spends.

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SELECT Credit Card

Lounge Access
Rewards
Online Shopping

Joining Fee: ₹599 + taxes
Annual/Renewal Fee: ₹599 + taxes

2X rewards on online transactions.
Comparatively low forex mark-up fee of 2.75%.
Complimentary domestic lounge visit per quarter.

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MARQUEE Credit Card

Travel
Rewards
Premium

Joining Fee: ₹9,999 + taxes
Annual/Renewal Fee: ₹4,999 + taxes

Up to 4.5% back as reward points.
Save up to Rs. 2,400 per month on BookMyShow.
1% fuel surcharge waiver up to ₹1,000/month on spends.

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RESERV Credit Card

Lounge Access
Rewards
Online Shopping

Joining Fee: ₹2,499 + taxes
Annual/Renewal Fee: ₹2,499 + taxes

Complimentary lounge visits every year.
Relatively low forex mark-up fee of 1.75%.
More rewards point on online spends.

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What is the YES Bank Rewards Credit Card?

The YES Bank Rewards Credit Card is designed for users who want to earn reward points on their regular monthly spending. Whether you spend on shopping, dining, groceries, fuel, or online purchases, the card lets you accumulate points redeemable for vouchers, products, or other rewards.

YES Bank offers multiple rewards-based credit cards, such as YES Prosperity Rewards Plus, YES First Preferred, and YES Premia, each catering to different spending habits. Entry-level reward cards typically carry a moderate annual fee, while premium versions offer enhanced rewards and lifestyle privileges. The overall idea is simple: the more consistently you use the card, the more value you unlock over time.

Key Benefits of the YES Bank Rewards Credit Card

The YES Bank POP-Club Credit Card is designed for users who prefer digital payments and everyday rewards. Beyond basic spending, the card adds value through rewards, partner benefits, and lifestyle savings.

Zero Joining Fee
Welcome Benefits Worth Up to ₹5,000
Reward Points on Every Spend
Extra Rewards on UPI Payments
Accelerated Rewards on Partner Brands
Milestone-Based Bonus Rewards
Lifestyle Offers and Partner Discounts
Fuel Surcharge Savings

Who Should Apply for the YES Bank Rewards Credit Card?

The YES Bank rewards credit card is best suited for individuals who plan to use their card regularly rather than occasionally. It works well for:

Individuals with consistent monthly spending
Online shoppers and digital payment users
Salaried professionals with stable income
Self-employed individuals with regular cash flow
First-time users looking for a reward-based card
Users aiming for long-term value through reward accumulation

Fees & Charges of YES Bank Rewards Credit Card

YES Bank reward credit cards come with standard charges that may differ slightly based on the selected variant. Below is a general overview of the fee structure applicable to most YES Bank rewards cards.

Types	Fee / Charge
Joining / Annual Fee	Nil to ₹399 + taxes (annual fee is waived if you spend ₹1,50,000 in the year).
Finance Charges	3.99% per month (≈ 45.6% per annum)
Cash Withdrawal Fee	2.5% of the amount withdrawn or ₹500 (whichever is higher)
Late Payment Charges	Standard bank-wide fees apply (late payment, over-limit, cash-advance, etc.) based on your outstanding amount/usage.
Foreign Currency Transaction Fee	Applicable forex markup / foreign-currency conversion charges (as per bank’s current policy; usually a percentage over transaction amount).

What is the Eligibility Criteria of YES Bank Rewards Credit Card?

Eligibility for the YES Bank rewards credit card is based on factors such as age, income, and credit profile. While requirements may vary by card, YES Bank follows a standard set of criteria for most rewards-based credit cards. The table below gives a clear overview of the general eligibility criteria applicable to the YES Bank rewards credit card category:

Eligibility Parameter	Details
Age	Salaried: 21 to 60 years
Minimum Income Required	Salaried: minimum net salary of ₹25,000 per month.Self-employed: Income Tax Return of ₹7.5 lakh or more per year.
Residential status	Applicants should be Indian residents with a stable income and reside in a city where YES Bank issues credit cards.
Documentation Requirement	PAN and identity or address proof, such as Aadhaar, passport or driving licence, along with income proof like salary slips or IT returns.

What are the Documents Required For YES Bank Rewards Credit Card?

Certain documents are checked during the YES Bank rewards credit card application process to verify identity, address and income. Having these ready helps ensure smoother and faster processing.

To apply for the YES Bank Credit Card, you need to submit basic documents for identity, address and income verification. Keeping these ready helps speed up the approval process.

Identity Proof: Aadhaar Card, Passport, Driving Licence, Voter ID, or any government-approved photo ID
Address Proof: Aadhaar, Passport, Driving Licence, or a recent utility bill
Income Proof:
- Salaried: Latest salary slips and/or bank statements
- Self-employed: ITR, Form 16, and relevant bank statements
PAN Card / Form 60: PAN is mandatory for credit card applications
Photographs: Recent passport-size photos (if required)
Additional Documents: May be requested based on your profile or employment type

How to Earn YES Bank Credit Card Reward Points?

Earning reward points on a YES Bank credit card depends on usage and card type. Common earning methods include:

Using the card for everyday retail purchases
Spending on dining, groceries and lifestyle categories
Making online purchases and digital payments
Using the card at partner merchants
Achieving annual or quarterly spend milestones
Waiting for the transaction settlement for the points credit

What is the Validity of YES Bank Credit Card Reward Points?

YES Bank reward points typically have a fixed validity period of 24 to 36 months, depending on the card variant. Unused points expire automatically after the validity period, so tracking expiry dates helps maximise rewards.

How to Redeem YES Bank Credit Card Reward Points?

YES Bank offers multiple redemption options through its rewards platform.

Redeeming Through the YES Rewardz Website

Log in to the YES Rewardz portal
View available reward options
Select vouchers, products, or services
Confirm redemption

Redeeming Through Customer Support

Contact YES Bank credit card customer care
Request reward redemption as per eligibility
Redemption is processed based on the terms

How to Apply Online for YES Bank Rewards Credit Card through Urban Money?

Applying for the YES Bank Credit Card via Urban Money is quick and completely online. You can finish the process in just a few minutes by following these steps:

Visit urbanmoney.com and open the Credit Cards section
Choose the YES Bank POP-Club Credit Card from the available options
Click on the card and select Apply Now
Enter basic details such as your name, mobile number, income, and city
Upload required documents like PAN, identity proof and address proof
Submit the application for verification

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Frequently Asked Questions (FAQs)

How does the reward points system work on the YES Bank Rewards Credit Card?

Reward points are earned on eligible card spends. The number of points varies by card variant and spending category, with higher rewards for select lifestyle and online transactions.

What is the value of 1 reward point on YES Bank credit cards?

The value of a reward point varies by redemption option. YES Bank displays the exact value at redemption on the rewards platform.

Is there an annual fee for YES Bank Rewards Credit Cards?

Yes, most YES Bank reward cards carry an annual fee. However, fees may be waived if specific spending milestones are met.

Are there welcome benefits on YES Bank Rewards Credit Cards?

Some YES Bank cards offer welcome reward points or vouchers when you meet the initial spend threshold. These benefits vary by card.

What interest rates apply to YES Bank credit cards?

Finance charges typically range from 3.6% to 4.6% per month, depending on the card and prevailing terms.

How can I redeem YES Bank reward points?

Reward points can be redeemed through the YES Rewardz portal or by contacting customer support for eligible options.

Is there a minimum reward balance needed for redemption?

Yes, a minimum number of reward points is required, which varies by redemption category.