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The issuer board

Every YES Bank credit card.

42 cards on the desk, ranked #39 to #778 against every other card in India — not against each other. Fees run ₹0 to ₹10,000, and 16 of them are genuinely free for life. 13 of the 42 we carry without ranking, because YES Bank publishes no fee or no earn table for them — they are listed at the bottom, with what we do know.

how this board is ordered fold that back up

Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.

RBI, July 2026: 30,38,937 cards in force — 2.5% of every credit card in India · ₹4,201 cr spent on them that month, 33% of it online.

The one worth having

#39 in India Keep

YES Private

0.50% forex — the lowest markup any Indian bank prints — and 5% back while you spend it.

₹1,00,800 ranking value a year at ₹3L/month
₹50,000 joining + ₹10,000/yr what it costs
2.5% headline earn rate
Read the verdict →

Narrow 42 YES Bank cards

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

The board

All 29 priced cards, best to worst.

rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict

  1. #39 YES Private ₹50,000 joining + ₹10,000/yr 2.5% Keep
  2. #40 YES Private Prime ₹20,000 joining + ₹10,000/yr 2.5% Keep
  3. #42 YES Bank Marquee ₹9,999 joining + ₹4,999/yr 2.3% Keep
  4. #90 YES Bank RESERV ₹2,499 fee 1.5% Downgrade
  5. #91 YES Bank ELITE+ ₹999 fee 0.8% Downgrade
  6. #99 YES Essence ₹799 fee 0.5% Downgrade
  7. #166 YES Bank SELECT ₹599 fee 0.5% Downgrade
  8. #167 YES Bank BYOC (Rewards) ₹588 fee 1.0% Downgrade
  9. #168 YES Bank Zagg Credit Card ₹0 fee 0.8% Keep
  10. #187 YES Bank Wellness Plus ₹1,499 fee 0.8% Downgrade
  11. #320 YES PaisaSave ₹0 joining + ₹499/yr 1.0% Keep
  12. #321 YES PaisaSave RuPay ₹0 fee 1.0% Keep
  13. #322 YES Bank ACE ₹499 fee 0.5% Downgrade
  14. #323 YES Bank Wellness ₹499 fee 0.5% Downgrade
  15. #324 YES Bank FinBooster ₹0 fee 0.3% Keep
the remaining 14 YES Bank cards, #325–#777
  1. #325 YES FinBooster RuPay ₹0 fee 0.3% Keep
  2. #326 YES Bank anQ Pi ₹0 fee 0.3% Keep
  3. #327 YES Prosperity Cashback ₹999 fee 0.5% Cancel
  4. #328 YES Prosperity Cashback+ ₹1,499 fee 0.8% Cancel
  5. #331 YES Bank POP-CLUB ₹0 joining + ₹399/yr 0.2% Keep
  6. #474 YES Bank BYOC (Cashback) ₹1,188 fee 1.0% Downgrade
  7. #475 YES First Business ₹999 fee 1.0% Keep
  8. #476 YES Prosperity Business ₹499 fee 0.5% Keep
  9. #538 YES BANK RuPay Virtual ₹0 fee 0.3% Keep
  10. #539 YES BANK EMI ₹499 fee 1.0% Cancel
  11. #577 YES First Corporate ₹0 fee 0.8% Keep
  12. #677 YES First Preferred ₹999 fee 1.0% Downgrade
  13. #776 YES Bank anQ Phi ₹0 joining + ₹499/yr 0.5% Keep
  14. #777 YES Prosperity Rewards ₹399 fee 0.3% Cancel

Carried, not ranked

13 cards YES Bank won't put a number on.

Each of these is missing the fee, the earn table, or both, in every document YES Bank publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.

  1. YES Bank Uni ₹0 joining + ₹499/yr earn n/p
  2. YES Bank Klick ₹0 fee earn n/p
  3. YES Prosperity Edge (NRI) ₹599 fee earn n/p
  4. YES Bank AI Inside ₹0 fee earn n/p
  5. YES AI Inside RuPay Virtual ₹0 fee earn n/p
8 more we carry without a number
  1. YES BANK novio ₹0 fee earn n/p
  2. YES BANK novio RuPay Virtual ₹0 fee earn n/p
  3. YES Bank Uni RuPay Virtual ₹0 fee earn n/p
  4. YES Bank Zaggle Corporate Fee not published earn n/p
  5. YES Prosperity Purchase Credit Card ₹0 fee earn n/p
  6. YES BANK RazorpayX Purchase Credit Card ₹0 fee earn n/p
  7. YES Bank NIYO ₹0 fee earn n/p
  8. YES Bank FREO ₹399 fee earn n/p

Our standing verdicts

26 keep · 10 downgrade · 6 cancel

What these cards pay in

YES Rewardz (YES CC Rewardz) · Statement cashback (₹) · Zagg Coins · POPcoins