What is the reward rate on the Select Credit Card?

You earn 8 points per ₹200 on Online Shopping (except on Select categories). Everything else earns 2 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 400 points, roughly ₹100, which is about 1% back. The accelerated rate stops after ₹1,25,000 of spend in a month.

Does the Select Credit Card give free airport lounge access?

The Select Credit Card gives 1 complimentary domestic lounge visits a year. There is no prior spend requirement on paper, though YES Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the Select Credit Card recently and is it still worth it in 2026?

YES blanket cuts: redemption caps, exclusions, spend-based lounge, overlimit removal. The changes are dated Dec 2024-May 2025. At ₹1L of yearly spend the card returns roughly ₹1,000 at its general rate of about 1%, against a ₹599 renewal fee. Keep it if you clear the ₹1L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Card Details

6432 8364 7399 8197

Select Credit Card

YESMASTERCARD

Monzy Score

7/ 10

Good for online shoppers.

~2.0% back on top spends.

Card Issuer

YES BANK

Joining Fee

₹599

Annual Fee

₹599

Reward Type

Reward Points

Card Access

Standard

Earn Points

8pts

/₹200 on Online Shopping (max 5000pts/mo)

4pts

/₹200 on Offline Shopping

2pts

/₹200 on Utility Spends (max ₹15,000/Mo)

Benefits

Shopping

8 RP/₹200 on online spends

Accelerated online rewards
4 RP/₹200 on offline retail
2 RP/₹200 on insurance, government, utilities, education, recharge, wallet & rentals
Online earn capped at 5,000 RP per statement cycle

Travel

1 domestic lounge visit every quarter

Quarterly domestic lounge access
1 lounge visit each quarter across 30+ lounges

Entertainment

BOGO movie ticket up to ₹150 monthly

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, emi, cash advance

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Online / e-commerce spends

8/200 online, cap 5000pts=1250

₹300

Offline / in-store spends

4/200

₹0

Utility, insurance, govt, education, rent, wallet

2/200

₹0

Total Annual Return

₹3,600

1% Effective ROI

What Users Are Saying

Community Feed

Jul 2024

Select Credit Card

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Select Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Select Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind