Question 1

What is the annual fee on the Select Credit Card and how do you get it waived?

Accepted Answer

The Select Credit Card charges ₹599 plus GST as a joining fee and the same ₹599 again at renewal. YES Bank waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹599 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Select Credit Card?

Accepted Answer

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.

Question 3

Does the Select Credit Card give free airport lounge access?

Accepted Answer

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.

Question 4

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

Accepted Answer

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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