Yes Bank Select Credit Card
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With the YES Bank SELECT Credit Card, your online shopping sprees become more rewarding. Enjoy lounge access, exclusive rewards on dining, travel along with robust security features. Experience the next level of convenience with our Credit Cards designed to make every transaction more gratifying. Apply now to get accelerated rewards with SELECT Credit Card. Read on to know more. 👇
Features & Benefits
Fees & Charges
| Fees/Charges | Amount | Description |
|---|---|---|
| First Year Membership Fee | ₹399 + GST | Waived on total retail spends of ₹10,000 within 30 days of card setup date |
| Renewal Membership Fee* | ₹399 + GST | Waived on total retail spends of ₹1 lakh within 12 months prior to card renewal date |
| Revolving Credit Interest Rate | 3.8% per month (45.60% annually) | Cash Advances and Overdue Amount |
| Foreign Transaction Fee | 2.75% + GST | - |
| Rental & Wallet Transaction | Minimum 1% of transaction value or Rs 1 whichever is higher will be levied on all Rental and Wallet transactions greater than Rs 1 | Please note that rental transactions are capped at 3 per 30 days period |
| Rewards Redemption Fee | ₹100 | On every redemption request |
The YES SELECT has a transparent fee structure, with a minimal annual charge that can be eliminated if specific criteria are met. The card also charges comparable fees for other services such as cash withdrawals and late payments, so customers are aware of any potential consequences. This transparency and competitiveness make it an easy-to-use financial tool.
- Cash Advance Limit: Up to 30% of the Credit Limit
- Supplementary / Add-on Card fee: NIL (Maximum up to 3 add-on cards can be issued)
Late Payment Fees
- Up to ₹100: ₹0
- From ₹101 to ₹500: ₹100
- From ₹501 to ₹5000: ₹500
- From ₹5001 to ₹20000: ₹750
- From ₹20001 to ₹25000: ₹750
- From ₹25001 to ₹50000: ₹1100
- Above ₹50000: ₹1200
For further information on the card kindly visit the official YES Bank website or connect with the customer support at 1800 103 1212.
All About the Card
Overview
The YES SELECT Credit Card elevates your everyday spending and unlocks a world of exclusive benefits. Indulge in premium travel experiences, earn generous rewards on dining, and enjoy the freedom of shopping internationally with minimal foreign exchange fees. This card is designed for those who value both luxurious experiences and practical financial solutions, providing peace of mind with its robust security features and comprehensive insurance coverage.
Highlights-
| Key Highlights | Description |
|---|---|
| Best Suited for | Travel, Shopping , Rewards |
| Annual fee | ₹399 + GST |
| Additional Benefits | Instant EMI Pay in parts for your transactions as low as INR 1500 EMI on call Convert payments into EMI with on-call service at attractive interest rates. Convert multiple transactions of INR 1,500 and above* into easy instalments Attractive interest rates Flexible Tenure options No paperwork, avail instantly online* Spend-based Fee Reversal Spend ₹10,000 within first 30 days from card issuance date and get 1st year membership waived off Fuel Surcharge Waiver 1% waiver, valid for transaction between ₹400 to ₹5,000 only. Insurance Coverage Benefits Insurance cover of up to Rs 50,000 against accidental damage for 6 months for mobile & electronic purchased online The primary cardholder gets a credit shield cover of Rs 1 lakh. Lost Card Liability Cover of Rs 1.3 Lakh. EMIs and Quick Loan You can convert your transactions of over Rs 1,500 into EMIs. Get a loan amount within the card limit. Dining Offer You can get up to 15% discounts when you dine at the select partner restaurants and pay using your YES SELECT credit card. Check YES Bank’s Dining Fiesta program for partner restaurants and offers. Rewards Redemption Against Flights/Hotels Against gift vouchers/products Against InterMiles Against Club Vistara Points Spend safely with Select Credit Card Contactless Transactions Experience fast, convenient, and secure payments at retail outlets with NFC technology Card Control Stay in control of your card via your phone by managing card block/unblock, domestic and international credit limits, and more Keep Your Card Safe Never disclose your password, OTP,PIN to anyone either through mail or over phone. Never respond to unsolicited calls asking for Card Activation, Verification, PIN reset, Rewards, Offers, KYC updation, etc. Password for IVR transactions SMS YESIVR last 4 digits of your YES BANK Credit Card number to 9212738927 from registered mobile number |
Features & Benefits
Unlock Exclusive Savings with the YES SELECT Credit Card!
One of YES Bank’s top credit cards, the YES SELECT, offers premium perks and smart financial tools at a low joining fee of ₹399. Earn double reward points on travel and dining, and enjoy lifestyle benefits like shopping discounts and wellness perks – perfect for the modern spender. Save money abroad with a low foreign transaction fee of 2.75%. Shop with confidence thanks to purchase protection and comprehensive insurance. Fuel surcharge waivers and dining discounts add to the convenience. Redeem rewards easily and discover more benefits that make every purchase rewarding. For dining, travel, or shopping, the YES SELECT Credit Card offers luxury, convenience, and security. It stands out as a top choice in YES Bank’s portfolio, delivering the best features a credit card can offer.
Fee Waiver Benefits
The SELECT card offers an annual fee waiver, a significant benefit for those who use their card frequently. Users can enjoy a cost-efficient experience by meeting specific spending targets, eliminating the annual fee. This feature is particularly attractive for regular shoppers and travelers, aligning with their spending habits and offering substantial savings over time.
- Spend INR 10,000 within 30 days of card setup to waive the first-year membership fee.
- Spend INR 1,00,000 and get the renewal fee waived off.
This system allows you to enjoy the card’s benefits without annual fees by meeting achievable spending goals. This makes financial management both rewarding and economical.
Insurance Benefits
Face life’s unexpected events with confidence, thanks to our comprehensive insurance coverage.
Enjoy peace of mind knowing your everyday transactions are protected against accidental loss and fraud.
Here’s what’s included:
- Credit Shield cover of INR 3 Lakhs
- Lost Card liability cover of INR 3 Lakhs
- Insurance cover of INR 50,000 against accidental damage for 6 months for mobile & electronic devices purchased online.
Fuel Benefits
Tailored for those who spend a lot on fuel, the card provides a surcharge waiver at petrol stations across India. This benefit is particularly valuable for frequent drivers, making fuel purchases more economical. The convenience of saving on fuel costs adds to the appeal of this card for daily commuters and long-distance travelers alike.
Perfect for frequent drivers, this feature lets you save consistently on gas and optimize your travel costs.
Here’s how it works:
- Enjoy a 1% surcharge waiver on fuel purchases between INR 400 and INR 5,000.
- Save up to INR 250 per month on fuel surcharges.
This means you pay less at the pump, saving money on every fill-up. It’s a perfect way to stretch your travel budget and make every mile count.
Dining Benefits
Dining enthusiasts can enjoy exceptional perks from YES ACE, including enticing discounts and rewards at many affiliated restaurants. This feature enhances the dining experience, making it a popular choice among foodies. Cardholders can enjoy a combination of culinary delights and savings, whether they like sophisticated dining or informal dining.
- Get a whooping 15% off your eating at certain restaurants.
Other Benefits
Go beyond simple transactions and elevate your lifestyle with the YES SELECT Credit Card. This card offers a curated selection of perks designed to make your everyday life easier and more enjoyable:
- Financial flexibility: Convert large purchases (INR 1500+) into manageable EMIs through a simple phone call. Enjoy an interest-free period of up to 50 days on purchases.
- Enhanced travel and spending:
- Benefit from a low foreign currency markup fee of only 2.75%.
- Access exclusive retail, food, travel, leisure, and wellness offers (check https://www.yesbank.in/personal-banking/yes-individual/yes-privileges/yes-privileges-offers for the latest deals).
- Convenience and security:
- Avail of Concierge Assistance, Automobile Assistance, and Home Assistance services.
- Connect with our 24/7 customer support for any assistance you need.
- Extend the card privileges to your family with add-on cards.
- Enjoy secure transactions with 3D Secure setup and zero card liability protection.
- Set your PIN quickly and easily make contactless payments for purchases up to INR 5,000.
- With the YES SELECT Credit Card, you can transform everyday transactions into experiences of ease and luxury.
Reward Points
The rewards program of the YES SELECT is highly attractive, offering points for every purchase made and making this one of the best rewards credit cards in India. These points have a high redemption value, turning everyday expenses into rewarding experiences. The program is designed to make regular purchases more beneficial, and appealing to many consumers.
- Get 8 reward points for spending INR 200 on online purchases.
- Receive 4 reward points for spending INR 200 on offline purchases.
- Enjoy 2 reward points for spending INR 200 on selected categories.
- For a statement cycle, you can earn a maximum of 5000 Rewardz points on online shopping categories.
How to Apply?
If the user is an offline person, just head over to the nearest Yes Bank branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit offers.shepays.com and navigate to the ‘Credit Card’ section.
Step 2: Select the Yes Bank SELECT Credit Card from the available options and click on ‘Apply Now’.
Step 3: Fill out the online application form with personal and financial details once you’re redirected to Yes bank application portal.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank’s decision.
It’s always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
Eligibility Criteria & Documents Required
To be eligible to apply for the SELECT Credit Card, you’ll need to meet simple eligibility criteria and keep certain documents handy. We’ve highlighted the same below:
Eligibility Criteria-
- 21 to 60 years of age
- Salaried or self employed
- Minimum Net Salary of INR 50,000 per month or Income Tax Return of INR 7.5 Lakhs and above.
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
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