YES Bank Credit Cards: Fees, Points and Lounge Rules

How I would judge a YES Bank credit card

YES Bank cards look generous on paper: 8, 12, even 36 points. Two things shrink those numbers. First, most YES cards count rewards per ₹200, not per ₹100, so a ₹199 purchase earns nothing. Second, YES Bank rarely publishes what a point is worth. Our working value is about ₹0.25, and on MARQUEE users say the top value now comes mainly through travel redemptions.

Run it on YES Bank Select. Spend ₹15,000 online and ₹10,000 offline in a month and you earn 600 + 200 = 800 points, about ₹200. The ₹599 + GST fee is waived at ₹1 lakh a year, about ₹8,333 a month. Clear that and the card is free; miss it and the fee eats a large share of what you earn.

Then check the exclusion list. From 15 June 2026, rent, wallet loads, fuel, insurance, education, government, railways, toll and jewellery earn no points on several YES cards. If those are your big bills, the headline rate is not your rate.

One more thing people get wrong. Users report YES Bank allows one credit card per customer. If you take a free starter card today, it may block the card you actually want later. YES Bank ACE, issued through the KreditPe app, is also not the Axis Bank ACE card, so check the issuer before you apply.

YES Bank credit card rewards and points redemption

On YES Bank MARQUEE, 36 points per ₹200 online is about 4.5% at ₹0.25. Users report gift vouchers now redeem nearer ₹0.15, which drops it to about 2.7%. On ₹50,000 a month online, that is ₹2,250 against ₹1,350 a month, purely from how you redeem. Our MARQUEE Reddit review covers what holders say.

If you want plain money back, PaisaBazaar Paisa Save pays 12 points per ₹200 on dining and travel and 2 elsewhere, each point worth ₹1 as statement credit. That is 6% and 1%, for ₹499 + GST, waived at ₹1.2 lakh a year.

YES Bank credit card lounge access

Almost every YES lounge benefit has a spend gate:

• MARQUEE: 6 domestic visits a quarter after ₹1 lakh in the previous quarter; international access listed as unlimited with no spend condition.
• [Elite+](https://monzy.co/cards/elite-credit-card): 2 domestic visits a quarter after ₹50,000 in the previous quarter, plus 3 international a year, per our records.
• Select: 1 domestic visit a quarter after ₹50,000 in the previous quarter.
• [RESERV](https://monzy.co/cards/yes-bank-reserv-credit-card): users say domestic visits now need ₹1 lakh a quarter.

Users also report international desks asking them to register through Mastercard Travel Pass, so do it before you fly. Compare other banks in our lounge access directory.

Lifetime free YES Bank RuPay cards for UPI

Klick, the card behind Kiwi, is lifetime free and pays 1.5% on UPI Scan & Pay inside the Kiwi app, on amounts above ₹100, counted in multiples of ₹100. FinBooster RuPay is also free, but its UPI rate starts only above ₹2,000. See more in our lifetime free directory.

Frequently asked questions

How do I apply for a YES Bank credit card online?

Apply on YES Bank's website, or in the partner app for co-brands such as Kiwi, POP-CLUB and Uni. Check first whether you already hold a YES card, since users report one card per customer. Our YES Bank issuer guide covers eligibility.

How do I get the YES PRIVATE credit card?

Only by invitation through YES Private banking. Per our records it costs ₹50,000 + GST to join and ₹10,000 + GST a year, with a 0.5% forex markup.

How do I close a YES Bank credit card?

Clear the balance, unlink the card from every UPI app, redeem your points, then ask YES Bank for written closure confirmation.

How do I increase my YES Bank credit card limit?

Users say YES Bank has no formal request route and increases are bank-initiated. Ask customer care or check the YES Bank app.

This is my honest read, not formal financial advice. YES Bank changes rules often, so check the MITC before you apply.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva