Yes Bank Select Credit Card: Benefits & Fees

In today’s time, credit cards have become a symbol of lifestyle not only for shopping. If you also want a credit card that makes your life easier and also keeps an eye on your expenses, then Yes Bank Select Credit Card can prove to be a great option for you. This credit card not only provides you with great benefits and facilities but also gives a new identity to your every transaction.

Yes Bank Select Credit Card is specially designed for those individuals who are looking for premium services and benefits. The specialty of Yes Bank Select Credit Card lies in its excellent reward points, cashback offers, and travel facilities. Through this, you can get better reward points on your purchases, which you can convert into different gifts and services. Not only this, the cardholder also gets the benefit of different cashback offers, which prove to help reduce their expenses.

Another special feature of the Yes Bank Select Credit Card is that this credit card makes your experience even better during travel. In this, you get better discounts and benefits on airlines, hotels, and other travel services. Also, services like travel insurance and medical assistance are present in them, which make your journey safe and pleasant.

In today’s article, we will know in detail about the Yes Bank Select Credit Card and will tell you what are the benefits of Yes Bank Select Credit Card and how to apply for it. So stay till the end of this article so that you do not have any problems later.

Table of Contents

What is the Yes Bank Select Credit Card?

The premium category credit card Yes Bank Select Credit Card was designed for those customers who would look for some great services and benefits. There are several kinds of offers the customer will enjoy through this credit card, from discounts to benefit rewards points and cash back to travel-related services.

The Yes Bank Select Credit Card is marked by its high credit limit, excellent rewards program, and discounts in all lifestyle and retail sectors. In addition to this, the card also provides travel insurance, medical assistance, and offers on dining, making traveling and shopping more convenient.

How is the design of the Yes Bank Select Credit Card?

The Yes Bank Select Credit Card boasts a very stylish, sleek design, thus depicting a premium and classy look. In most cases, the design tends to be simple, but a minimalist design in black, silver, or gold tones will also work for elegance.

Its surface is smooth and has the name of the cardholder and his card number accompanied by the prominent display of the logo of Yes Bank. Its appeal is to classy and professional types of users as it is both a financial instrument and a fashion statement and style statement.

What are the benefits of the Yes Bank Select Credit Card?

It has the following benefits:

Reward Points: You receive reward points for every purchase. For instance, you can receive 8 reward points for every ₹200 spent on dining, grocery, and other categories. These points can be redeemed to avail of different rewards such as travel, shopping, or cashback.

Lounge Access: The domestic and international airport lounges are free, which makes traveling more comfortable and luxurious.

Fuel Surcharge Waiver: Avail fuel surcharge waiver at all petrol pumps in India, saving you on fuel costs.

Golf Benefits: Golf games and lessons are free at designated golf courses for cardholders, making your lifestyle a little more luxurious.

Coverage with Insurance: You can enjoy insurance benefits for traveling, including cover for lost baggage, loss of a passport, and air accident coverage, which gives you no trouble while traveling.

Concierge Services: Enjoy 24/7 concierge services for booking, reservations, and lifestyle needs to make life easier.

What are the fees for the Yes Bank Select Credit Card?

Here is a simple breakup of the Yes Bank Select Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.99% per month (48% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank Select Credit Card?

The following are the primary requirements:

To apply for the Yes Bank Select Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for Yes Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Yes Bank Select Credit Card?

The documents that you will have to submit to get Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank Select Credit Card be used?

Here is the list of places where you can use it:

With the Yes Bank Select Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Yes Bank Select Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank Select Credit Card?

The credit amount you can spend is what you are provided with Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Yes Bank Select Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the Yes Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Select Credit Card.

Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest Yes Bank branch to apply for the Credit Card.

Request for the credit card application form of the Yes Bank Select Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Yes Bank Card website, or mobile app or by calling their customer service.

You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Yes Bank Select Credit Card in 2025 be right?

Yes, getting a Yes Bank Select Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Yes Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Yes Bank Select Credit Card is a high-quality premium credit card that not only enhances your shopping experience but also makes your financial life more manageable and rewarding. Its great features like enhanced reward points, cashback offers, and travel benefits make it a great and valuable option.

Along with this, high credit limits, fuel surcharge waivers, and other lifestyle benefits make every transaction special. If you are looking for a credit card that makes your daily expenses easy and at the same time lets you experience premium services, then Credit Card can prove to be a great choice for you.

This credit card not only helps you keep track of your expenses but also offers you great benefits and services that take your lifestyle to a new height.