YES Bank SELECT Credit Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.5% base rate
• Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter for the primary cardholder
• Golf: 4 complimentary golf rounds per year plus 1 complimentary golf lesson per month at select courses in India
• Insurance benefits: Purchase protection cover up to ₹50,000 for accidental damage on electronic purchases

• ✈️ Travel

  1 complimentary domestic airport lounge visit per quarter

• 🛡️ Insurance

  Up to ₹50,000 cover on accidental damage of electronic purchases

• 🛍️ Shopping

  1% reward rate (capped ₹1,250/monthly)

• ⛽ Fuel

  1% fuel surcharge waiver on ₹500–₹3,000 transactions

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹30,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹1,00,000
• Foreign currency markup: 3.5%
• Interest rate: 47.88% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3,000, capped per statement cycle

• 1 complimentary domestic airport lounge visit per quarter
• 4 complimentary golf rounds per year plus 1 complimentary golf lesson
• Up to ₹50,000 cover on accidental damage of electronic purchases
• 1% fuel surcharge waiver on ₹500–₹3,000 transactions