YES Bank SELECT Credit Card

A reasonably-priced mid-tier card with double points online and a preferential 2.75% forex markup, plus quarterly lounge access and an annual golf allowance — solid if unspectacular all-rounder.

Rates and fees last verified 15 July 2026.

Annual fee

₹399

Joining fee

₹399

Reward type

points

Base reward rate

0.5%

Card network

Visa

Card tier

Mid

Benefits by category

✈️ 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 ₹400–₹5,000 transactions
🌍 Forex / international spend
2.75% forex markup on international transactions

Eligibility

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

Benefits

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 ₹400–₹5,000 transactions

Pros

+ Double points on online spends
+ Preferential 2.75% forex markup
+ Easy fee waiver on ₹1L annual spend

Cons

− Online bonus points capped monthly
− Offline base rate is thin
− Lounge access limited to one visit per quarter

Apply on Yes Bank's site