YES Bank Credit Cards 2026 - All Cards, Eligibility and Age Limit

YES Bank spent the last few years rebuilding a credit card range that used to be an afterthought. It now sells 18 active cards across every fee band; some of which were even renamed, leading to half-correct information over the internet

Its cards run on Visa, Mastercard and RuPay, earning reward points and cashback, depending on the variant.

YES Bank Visa credit card lineup is composed of MARQUEE, RESERV, Elite+ and Select, among others, while the RuPay Virtual, POP-CLUB and Kiwi cards are a few that run on RuPay.

Heads up: YES Bank revised fees, forex markups and reward exclusions on 15 June 2026. Everything that changed is in the devaluations section below.

How Big Is YES Bank in India's Credit Card Market?

Although YES Bank is a popular name, it’s a comparatively small issuer. As of June 2026, it held roughly 2.99 million active credit cards, against a national total of 121.59 million. That’s about 2.3% of credit cards in the country.

HDFC Bank at 26.75 million, SBI Card at 22.58 million and ICICI Bank at 19.52 million sit way ahead of it. HDFC's card book is nearly ten times the size of YES Bank's.

Growth has been quick, though. The base was around 2 million cards in FY2024-25, so YES Bank added close to a third in a single year.

But judge these cards on the current terms document, not on a review published when the card was launched.

All YES Bank Credit Cards

These eight credit cards are among the most issued cards by YES Bank. Beyond these eight, YES Bank runs a long tail of co-branded cards and a handful of cards aimed at specific categories.

The YES PRIVATE credit card is issued by invitation to Private banking clients. For the ₹50,000 joining fee, you get 0.50% forex markup, unlimited domestic and international lounge access with no spend condition, and 12 guest lounge visits a year

Before you commit to YES Bank, compare across all issuers →

Other Popular YES Bank Credit Cards

YES Bank issues the plastic behind a long list of fintech apps. The card is the same underlying product each time, with the partner's cashback layered on top.

• Select Credit Card, ₹599. Structurally identical to ACE on earn rates, but the fee waiver needs ₹1,00,000 of annual spend instead of ₹50,000. It gets you one domestic lounge visit gated behind ₹50,000 of quarterly spend.
• RIO Credit Card, ₹0. Lifetime free RuPay card with UPI support, two domestic lounge visits on spend, and a fuel surcharge waiver. Reasonable as a free card, but unremarkable as the only card.
• BYOC Credit Card, ₹99 to ₹249 a month. You pick five merchants from a list including Swiggy, Uber, PharmEasy, BigBasket and BookMyShow, and earn 10% cashback on them. But it’s capped at ₹100 per merchant a month.
• POP-CLUB Credit Card, ₹399. A RuPay card that pays 10 POPcoins per ₹100 on online spends and 2 POPcoins on other transactions. These coins are redeemable through the Pop Club app.
• UNI Credit Card, ₹499. Co-branded with Uni Cards and the only YES Bank card with a 0% forex markup. It’s also exempt from the DCC charge that every other variant carries. It pays a flat, uncapped 1% as Uni coins on domestic spends.
• FinBooster Credit Card, ₹0. Lifetime free, paying 10 points per ₹200 on online dining and 6 on online groceries and apparel. Other retail spends (except fuel) earn 2 points per ₹200.

YES Bank has many other specific-purpose cards, including Wellness credit card and EMI credit card. Cards with co-brand partners, such as Zagg, NIYO, FREO, Novio and AI Inside are all live as well.

YES Bank Credit Card Eligibility and Age Limit

The 21 to 60 band is the standard YES Bank age limit for a primary cardholder, salaried or self-employed. Add-on cards can be issued from 18. Most variants allow up to three add-on cards, and YES PRIVATE allows five.

YES Bank usually weighs the full credit profile rather than the salary slip alone. And an existing relationship (whether savings account, fixed deposit or another card in good standing) can get you approved below the stated bar.

Expect a bureau score of 700 or above for entry cards and 750 or above for anything premium.

The FD route sidesteps this table entirely

A YES Bank FD credit card is issued against a fixed deposit you hold with the bank, so no income proof and no minimum bureau score apply. You need a YES Bank FD of ₹10,000 or more, and the credit limit is set at roughly 75% to 90% of the deposit.

ACE, Elite+ and YES First Preferred all have FD-issued versions with identical fees and waiver conditions to the standard card. Your deposit keeps earning interest while it backs the card.

There's a second benefit YES Bank doesn't advertise. FD-issued variants carry a lower interest rate than the same card issued on income: 2.49% a month against 3.99%.

YES Bank Credit Card Charges and Fees

In addition to these, card payments also attract utility surcharge, rent surcharge and wallet loading fee. If your utility bills are large, route them elsewhere. Our merchant category code list for India shows which MCCs trigger these charges.

Lounge access carries its own conditions, and it's the one people get caught by. Complimentary domestic lounge visits depend on your previous quarter's spend. MARQUEE and RESERV need ₹1,00,000 in the previous quarter. Elite+, Select and BYOC need ₹50,000.

Only YES PRIVATE and YES Private Prime have no threshold at all. International lounge access carries no spend condition on any card that offers it.

Our credit card lounge access rules and airport list for India compares this against other issuers.

What a YES Rewardz Point Is Actually Worth

Every reward rate YES Bank advertises is a points figure, and the rupee value of those points is set by how you redeem. Get this wrong and the card you picked returns half what you calculated.

Three things eat into the value further. Each redemption request costs you ₹100 plus GST. So, redeeming monthly can cost you ₹1,200 a year in fees alone.

These points also come with monthly and per-transaction redemption capping, with only 70% of a booking payable in points and the remaining 30% in cash. And points expire, so banking them for a future redemption is a bet on YES Bank not changing the terms again.

So, batch your redemptions into one request a year, redeem for flights or hotels, and stay away from the merchandise catalogue entirely.

YES Bank also sells two reward boosters. One plan boosts regular YES Rewardz Points by 3x on all spends. The other boosts points on Travel, Dining, Fashion and Healthcare by 5x. But check the rewards subscription plan terms before buying.

What the Fine Print Doesn't Say

Every card here advertises a rate with a cap, an exclusion or a spend gate behind it. None of it's hidden, exactly, but not also shown prominently.

Six categories earn nothing on YES Bank cards. Rent, wallet, fuel, government payments, cash withdrawals and EMI conversions are excluded portfolio-wide. Since 15 June 2026, insurance, education, railways, toll and jewellery earn nothing on most variants either. For many households, it’s a meaningful share of monthly spending.

The cards also have a hard reward ceiling, apart from redemption capping. Utility spends, too, carry a separate ceiling per cycle.

A rewards subscription plan doesn't survive a card upgrade. If your card is upgraded or downgraded to another variant, any 3X/5X plan you've paid for is discontinued. There's no pro-rata refund mentioned in the terms.

Which YES Bank Card Should You Get?

If you want a free card that works on UPI and you don't want to think about fees again, take the YES BANK RuPay Virtual card. It earns 4 points per ₹200 on UPI transactions above ₹2,000.

If your spending sits around ₹50,000 a month and you can clear the income bar, RESERV is the strongest card YES Bank sells at that level. It returns roughly double what Elite+ does and triple what ACE does, the ₹2,499 fee waives at ₹3,00,000 of annual spend, and you get unlimited lounge access plus a 2% forex markup.

If RESERV is out of reach, take Elite+ at ₹999. It returns 1.5% on online spends, and the annual fee is waived at ₹2,00,000 of annual spend. It’s two domestic lounge visits a quarter, however, come only once you clear ₹50,000 in the previous quarter.

If you're applying for a first card, rebuilding a score, or can't produce income proof, take ACE issued against a YES Bank fixed deposit. The ₹499 fee waives at ₹50,000 of annual spend, which is ₹4,200 a month. The interest rate is 2.49% instead of 3.99%. No income proof, no bureau score requirement. Our first credit card guide for India and our lifetime free credit cards list cover the alternatives worth comparing it against.

If you spend abroad more than occasionally, take UNI at ₹499. Every other YES Bank card under ₹2,499 charges 3.50% on foreign currency. UNI charges nothing and is exempt from the 1% dynamic currency conversion charge too, which saves ₹7,000 outright on a ₹2 lakh holiday.

The single pick, if you want one: RESERV at ₹2,499, for anyone whose income clears the bar and card spend sits above ₹25,000 a month. The fee waives at spends you were reaching anyway, and nothing else in the range comes close on return per rupee.

Which YES Bank Card Fits Your Monthly Spend

Under ₹10,000 a month. The YES BANK RuPay Virtual card or Kiwi, both free unconditionally. At this level, avoid anything with a spend-linked fee waiver, because missing the threshold turns a ₹499 card into a real cost.

₹10,000 to ₹25,000 a month. ACE at ₹499. The ₹50,000 annual waiver needs ₹4,200 a month, so the fee vanishes at the very bottom of this band. Skip Select, which does the same job but for ₹100 more and asks for twice the spend to waive it.

₹25,000 to ₹50,000 a month. RESERV at ₹2,499 if you qualify on income, Elite+ at ₹999 if you don't. RESERV waives at ₹3,00,000 a year, which is ₹25,000 a month, so the fee disappears at the bottom of this band. And at ₹50,000 a month of expenses, RESERV returns roughly ₹10,350 a year in points against Elite+'s ₹5,250.

₹50,000 to ₹75,000 a month. MARQUEE at ₹4,999. It overtakes RESERV at about ₹56,000 a month on a typical online-heavy spend mix, because its 4.5% online rate outruns the unwaived fee past that point. Worth noting that MARQUEE isn’t eligible for a reward booster.

YES Bank Card Devaluations: What Changed

YES Bank has tightened this portfolio twice in two years, and the second round landed in June 2026.

RESERV's lounge gate went up tenfold. When spend-linked lounge access was introduced on 21 March 2024, RESERV holders needed ₹10,000 of spend in the previous quarter to qualify. That threshold now stands at ₹1,00,000 per the current terms document. Before the spend gate existed at all, lounge access on this card was unlimited and unconditional.

Redemption rules tightened in late 2024. Cardholders reported that point redemptions were capped per transaction, and that only 70% of a booking could be paid in points, with the remaining 30% payable in cash.

Then came the batch effective 15 June 2026 that introduced several changes. Forex markup, for example, was increased across the mid and entry range, and the cash advance floor rose from ₹500 to ₹650.

Five categories stopped earning points since June 2026. Insurance, education, railways, toll and jewellery now earn nothing on most variants.

For how these changes look within the wider pattern this year, see our 2026 Indian credit card devaluation tracker.

What Community Says About YES Bank Cards

The reward boosters are the most argued-about thing in the range. A dedicated thread on the RESERV 3X plan works through whether ₹3,500 is recoverable at ordinary spend levels and lands quite pessimistically. CardExpert, working from real statements, also reckons the effective online rate comes in below what the multiplier implies.

MARQUEE is the better-regarded card of the two. Our own YES Bank MARQUEE reward rate and lounge access review goes into what holders report month to month. The MARQUEE review thread on TechnoFino is generally positive on the joining and renewal fees being covered by the points YES Bank grants.

Inactivity closures come up repeatedly. Threads on the RESERV to MARQUEE upgrade route also surface reports of cards being deactivated after around seven months of non-use. If you hold a YES Bank card as a backup, put a small transaction on it every few months.

One older issue hasn't gone away. Some cardholders on r/CreditCardsIndia reported being issued a replacement card under a different product name than the one they applied for.

Community verdict: respected but not trusted. The cards themselves are well designed at the top of the range. But the terms attached to them aren't treated as durable.

How to Apply for a YES Bank Credit Card

Check pre-approved offers first if you already bank with YES Bank. A pre-approved card is assessed against your existing relationship rather than as a fresh application, so it usually avoids a hard bureau enquiry.

Step 1. Pick the card. Match it to what your last three months of statements actually show, not to the life you're planning.

Step 2. Check the income floor. YES Bank runs from ₹25,000 a month on ACE and Select up to ₹3,00,000 a month on MARQUEE.

Step 3. Apply through the YES Bank website, the YES Mobile app, or a branch. Entry and mid-tier decisions typically land within three to seven working days.

Step 4. Complete video KYC, then wait for dispatch.

What if you have no income proof at all? YES Bank issues cards against a fixed deposit of ₹10,000 or more at 75% to 90% of its value, and the deposit keeps earning interest throughout.

Documents You'll Need

• Identity proof: PAN is mandatory, plus Aadhaar, passport, driving licence or voter ID
• Address proof: Aadhaar, passport, or a utility bill from the last three months
• Income proof: three months of salary slips or bank statements if salaried; last year's ITR and audited accounts if self-employed
• Photographs: passport-sized, though video KYC usually removes this step

If you hold a YES Bank salary account, most of this is already on file, and the application skips to a decision. For FD-backed cards, you just need the fixed deposit receipt and a lien-marking form, instead of income documents.

Activating and Managing Your YES Bank Credit Card

Activation. Set your PIN through the YES Mobile app, YES NetBanking, or by calling 1800-103-1212. Cards arrive inactive under RBI rules, and an unactivated card is closed automatically 30 days after issue. Keep your registered mobile number live for the OTP.

Online access. Register on YES NetBanking or the YES Mobile app to view statements, track your YES Rewardz balance, manage limits, and block the card instantly. The YES Rewardz portal is separate, and that's where redemptions happen.

Paying your bill. Pay through the app, NetBanking, UPI, NEFT from another bank, or by e-mandate. Avoid setting auto-debit to the minimum due, since it lets your interest run at up to 3.99% a month. Also avoid paying in cash or by cheque at a branch.

Redeeming rewards. Redeem through YES Rewardz for flights, hotels, vouchers or partner miles, where a point is worth about ₹0.25. Each redemption request costs ₹99 or ₹100 plus GST depending on the card, so batch them annually rather than monthly.

Inactivity. Cardholders have reported YES Bank closing cards after roughly seven months of non-use. If you're keeping a card as a backup, put a small transaction on it periodically.

Closing a card. Request closure in writing through the app or NetBanking so there's a record. RBI requires closure within seven working days of dues being cleared, with ₹500 payable to you for each day beyond that. Redeem your YES Rewardz balance before you start, because points don't survive closure.

YES Bank Customer Care and Grievance Redressal

YES Bank runs a staged grievance process, and skipping a stage is why most complaints stall.

Stage one. The general helpline is 1800-103-1212. YES First, RESERV and Elite+ holders use the premium line on 1800-103-6000. Keep the reference number, because stage two needs it.

Stage two. The Nodal Officer, if stage one misses its stated timeline. Put this in writing and quote the stage one reference number.

Stage three. The Principal Nodal Officer, whose contact details YES Bank publishes on its website.

If all three fail, the RBI Ombudsman is next, and YES Bank must have had thirty days to respond before the Ombudsman will accept the case.

Put complaints in writing from the start. Given how often YES Bank has revised reward terms, a dated written record of what you were told is worth more here than at most issuers.

FAQs About YES Bank Credit Cards

What is the age limit for YES Bank credit cards?

The primary cardholder must be between 21 and 60 years old, whether salaried or self-employed. Add-on cards can be issued from age 18.

How do YES Bank rewards work?

YES Bank runs a points programme called YES Rewardz. You earn points per ₹200 spent, with the rate set by your card and by whether the spend was online or offline. Points are worth about ₹0.25 each when redeemed for flights, hotels, vouchers or partner airline miles, and closer to ₹0.10 on the merchandise catalogue. And each redemption request costs ₹100 plus GST.

What is the YES PRIVATE credit card and can I apply for it?

You can't apply for it directly. YES PRIVATE is issued by invitation to YES Private banking clients. The joining fee is ₹50,000 and the renewal fee is ₹10,000, waived on annual spends of ₹25 lakh.

Can I get a YES Bank FD credit card without income proof?

Yes, and it's the route most people overlook. YES Bank issues secured cards against a fixed deposit held with the bank, with the credit limit set as a percentage of the deposit. No income proof and no minimum bureau score apply, because the deposit is the collateral. ACE, Elite+ and YES First Preferred all have FD-issued versions.

What is the minimum salary for a YES Bank credit card?

It starts at ₹25,000 a month net, or an ITR of ₹7.5 lakh, for ACE and Select. Elite+ asks ₹1L per month, RESERV for ₹2L a month, and MARQUEE for ₹3L a month. An FD-backed card requires no income at all.

What is the interest rate on a YES Bank credit card?

Premium cards like YES PRIVATE, MARQUEE and RESERV charge 2.99% a month (or 35.88% a year). All FD-issued and NRI variants charge 2.49% a month, or 29.88% a year. Most other YES Bank credit cards charge 3.99% a month, which is 47.88% a year.

How do I get a lifetime free YES Bank credit card?

YES Bank currently offers several lifetime free cards, including the RuPay Virtual card, FinBooster and RIO. Kiwi, Klick and PaisaSave co-brands are also free. The rest become effectively free once you clear a spend threshold in the membership year. Our credit card annual fee waiver guide covers what to do if you miss one.

Which YES Bank credit card has the lowest forex markup?

The UNI card, which charges 0%. It's the only YES Bank card exempt from both the foreign currency markup and the 1% dynamic currency conversion charge of other cards. Among cards that do charge a markup, YES PRIVATE is lowest at 0.50%, then MARQUEE at 1.00%.

Which YES Bank cards can buy the 3X or 5X rewards subscription plan?

Eight variants are eligible: ACE, Select, Elite+, RESERV, YES First Preferred, YES First Business, YES Prosperity Business, and YES Prosperity Rewards. Plan 1 boosts all spends by 3x and Plan 2 boosts only travel, dining, fashion and healthcare by 5x.

Which YES Bank credit card has the best lounge access?

YES PRIVATE gives unlimited domestic and international access with no spend condition and 12 complimentary guest visits a year, but it's invitation only. Among other cards, MARQUEE offers unlimited access, along with 4 international and 2 domestic guest visits a year. But domestic entry requires ₹1,00,000 of spend in the previous quarter.

Which YES Bank cards work on UPI?

YES Bank has several RuPay cards on UPI, including RuPay Virtual card, Kiwi and Paisabazaar PaisaSave RuPay card.

Our Take on YES Bank Credit Cards

YES Bank has built a genuinely good top-end, but attached genuinely unstable terms to it.

RESERV at ₹2,499 returns 3% on online spends with the fee waived at ₹3L a year. MARQUEE at 4.5% online is the strongest card YES Bank sells if your spending justifies it, though oddly it's the one card in the range that isn’t eligible for a reward booster.

And the FD route is the most underrated thing in the whole range, both because it skips the income check entirely and because it costs less in monthly interest than the same card issued on salary.

Holding these cards is the uncomfortable part, though. Lounge thresholds are up, redemption rules are tightened, and eleven spending categories now earn nothing.

The subscription plan has been rewritten so often that the people who track this for a living gave up following it.

The single pick: RESERV at ₹2,499, for anyone who clears the income bar and spends above ₹25,000 a month. If you don't clear it, Elite+ at ₹999 does the job.

Disclaimer

This article is for informational purposes only and does not constitute financial advice. Eligibility criteria, fees and product features mentioned are accurate to the best of our knowledge as of August 2026, but they can change without notice at the issuer's discretion. Fees and charges are up to date as on 14 August 2026. Please read the latest MITC on the YES Bank website and consult a certified financial advisor before applying for any credit card.