Skip to content

Private bank

YES Bank credit cards: 30 you can apply for

The best one for most people is YES Bank Marquee.

₹18,100a year after fees, at ₹75,000 a month

YES Bank Marquee credit card

YES Bank Marquee

₹18,100 a year, after fees

₹9,999 joining + ₹4,999/yr · Lounges in India and abroad · 1% forex markup · Reward rate 2.3%–4.5%

Ranked higher: its bonus category adds ₹4,100 a year

Keep

It pays back the most of the 21 YES Bank cards open to apply that we can value.

Rank all 30 at your own spend in the card finder

Verified 3 sources

Points and where they go

YES Bank's main points currency is YES Rewardz (YES CC Rewardz), worth ₹0.25 a point: 1 airline or hotel programme takes them. Its cards earn 3 kinds of points in all.

What YES Bank cards earn
ProgrammeWorth a pointCardsPartners
YES Rewardz (YES CC Rewardz)₹0.25211
Zagg Coins₹0.251none
POPcoins₹0.101none

6 more cards pay cash back. Values are what we think a point is worth in India.

Every YES Bank transfer partner 1 route
YES Rewardz (YES CC Rewardz): where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club15:1₹0.07up to 7 working days

Ratios read YES Rewardz (YES CC Rewardz) : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 8 YES Bank changes since 2023

All 43 YES Bank cards

Fees run ₹0 to ₹10,000, and 17 of them are genuinely free for life. We cannot value 14 of them: YES Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 27 keep, 10 downgrade, 6 cancel.

Open to apply 30

  1. YES Bank Marquee credit card

    YES Bank Marquee

    ₹18,100 a year, after fees

    ₹9,999 joining + ₹4,999/yr · Lounges in India and abroad · 1% forex markup · Reward rate 2.3%–4.5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  2. YES PaisaSave credit card

    YES PaisaSave

    ₹7,600 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 1%–6%

    Ranked higher: its bonus category adds ₹6,800 a year

    Keep

  3. YES PaisaSave RuPay

    ₹7,600 a year, after fees

    ₹0 fee · Reward rate 1%–6%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep

  5. YES Bank POP-CLUB

    ₹1,500 a year, after fees

    ₹0 joining + ₹399/yr · Reward rate 0.2%–1%

    Ranked higher: its bonus category adds ₹2,200 a year

    Keep

  6. YES BANK RuPay Virtual

    ₹2,300 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.3%–0.5%

    Keep

  7. YES Bank FinBooster

    ₹1,900 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.3%–1.3%

    Keep

  8. YES FinBooster RuPay

    ₹2,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.3%–0.5%

    Keep

22 more open to apply by value

  1. YES Bank anQ Pi

    ₹2,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.3%–0.5%

    Keep

  2. YES Bank RESERV credit card

    YES Bank RESERV

    ₹12,000 a year, after fees

    ₹2,499 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.5%–3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Downgrade

  3. YES Bank BYOC (Rewards)

    ₹7,900 a year, after fees

    ₹588 fee · Lounges in India · 1 transfer partner · Reward rate 1%

    Downgrade

  4. YES Bank ELITE+

    ₹6,100 a year, after fees

    ₹999 fee · Lounges in India and abroad · 3% forex markup · Reward rate 0.8%–1.5%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade

  5. YES Essence

    ₹4,200 a year, after fees

    ₹799 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–1.5%

    Ranked higher: its bonus category adds ₹2,300 a year

    Downgrade

  6. YES Bank Wellness Plus

    ₹4,800 a year, after fees

    ₹1,499 fee · Lounges in India · 1 transfer partner · Reward rate 0.8%–3.8%

    Ranked higher: its bonus category adds ₹1,600 a year

    Downgrade

  7. YES Bank BYOC (Cashback)

    ₹6,400 a year, after fees

    ₹1,188 fee · Lounges in India · Reward rate 1%

    Downgrade

  8. YES Bank ACE

    ₹4,300 a year, after fees

    ₹499 fee · 1 transfer partner · Reward rate 0.5%–1%

    Ranked higher: its bonus category adds ₹1,100 a year

    Downgrade

  9. YES Bank SELECT

    ₹4,000 a year, after fees

    ₹599 fee · Lounges in India · 1 transfer partner · Reward rate 0.5%–1%

    Downgrade

  10. YES Bank Wellness

    ₹4,000 a year, after fees

    ₹499 fee · 1 transfer partner · Reward rate 0.5%–2.5%

    Downgrade

  11. YES BANK EMI

    ₹6,000 a year, after fees

    ₹499 fee · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Cancel

  12. YES Prosperity Cashback+

    ₹4,800 a year, after fees

    ₹1,499 fee · Reward rate 0.8%–5%

    Ranked higher: its bonus category adds ₹1,700 a year

    Cancel

  13. YES Prosperity Cashback

    ₹3,200 a year, after fees

    ₹999 fee · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹2,000 a year

    Cancel

  14. YES Bank Uni

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Keep

  15. YES Bank Klick

    Not valued fee or rewards not published

    ₹0 fee

    Keep

  18. YES Bank AI Inside

    Not valued fee or rewards not published

    ₹0 fee

    Keep

  20. YES BANK novio

    Not valued fee or rewards not published

    ₹0 fee · Lounges in India

    Keep

Invite only 2

  1. YES Private Prime

    ₹12,500 a year, after fees

    ₹20,000 joining + ₹10,000/yr · Lounges in India and abroad · 0.5% forex markup · Reward rate 2.5%–5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep Invite only

  2. YES Private

    ₹12,500 a year, after fees

    ₹50,000 joining + ₹10,000/yr · Lounges in India and abroad · 0.5% forex markup · Reward rate 2.5%–5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep Invite only

Not confirmed on sale 1 card

  1. YES Bank NIYO

    Not valued fee or rewards not published

    ₹0 fee

    Keep

Business cards 6 cards

  1. YES First Business

    ₹8,600 a year, after fees

    ₹999 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1%–2%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  2. YES Prosperity Business

    ₹6,800 a year, after fees

    ₹499 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–1%

    Keep

  3. YES First Corporate

    ₹6,800 a year, after fees

    ₹0 fee · Lounges in India · 1 transfer partner · Reward rate 0.8%

    Keep

  4. YES Bank Zaggle Corporate

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad

    Keep

Closed or paused 4 cards

  1. YES Bank anQ Phi

    ₹4,500 a year, after fees

    ₹0 joining + ₹499/yr · 1 transfer partner · Reward rate 0.5%–3%

    Ranked higher: its bonus category adds ₹5,600 a year

    Keep Closed

  2. YES First Preferred

    ₹6,700 a year, after fees

    ₹999 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1%

    Downgrade Closed

  3. YES Prosperity Rewards

    ₹2,300 a year, after fees

    ₹399 fee · 1 transfer partner · Reward rate 0.3%

    Cancel Closed

  4. YES Bank FREO

    Not valued fee or rewards not published

    ₹399 fee

    Cancel Closed

Filter YES Bank cards by fee, lounges or forex

Standard charges

The charges YES Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

YES Bank's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)3.99%/mo (47.88%/yr) on revolving credit, cash advances and overdue amounts — the MITC's “Other Credit Cards” tierHigh23 of 35
Late payment feeNil while the current outstanding (statement balance plus unbilled) is ₹500 or less; above that, 10% of the statement balance or ₹1,350, whichever is LOWER, per statement24 of 35
Add-on card feeNilFree32 of 34
Over-limit fee₹550 + GST flat on any transaction that exceeds the assigned limit; the overlimit facility was reintroduced 1-Jun-2026 and is granted on the bank’s own risk view24 of 35

Cards counts the YES Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

YES Bank in RBI's figures

Cards in force
30,80,711
2.5% of India's cards
Spent in August 2026
₹4,155 crore
32% of it online
Spend per card
₹13,488
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The YES Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official MITC PDF — 1% forex + 1% DCC; ₹100+GST redemption fee on Marquee/Reserv w.e.f; 15-Jun-2026 plus ₹99+GST per flight booking with points read
  2. Official Product page (2.00% forex markup; 2.99%/mo revolving interest; complimentary international lounge access; "previously known as YES FIRST EXCLUSIVE") read
  3. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read