Joining Fee
₹2,499 + Taxes
Annual Fee
₹2,499 + Taxes
Best
Suited For
High Online Rewards with a Low Forex Markup
Rewards Type
Reward Points
Rewards Rate
24 YES Rewardz Points per ₹200 online (about 3% at ₹0.25 per point); 12 per ₹200 offline (about 1.5%); 6 per ₹200 on select categories; max 36,000 points per statement cycle
Welcome Benefits
8,000 bonus Reward Points each year the renewal fee is charged
Card Details +
Key Advantages
- ✓ Up to 3% back on online shopping when points are redeemed for flights and hotels
- ✓ 2% forex markup, lower than the 3.5% most cards charge
- ✓ Lower interest rate than most cards at 2.99% a month
- ✓ Domestic and international airport lounge access
- ✓ Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
Limitations
- ✕ Points are worth much less when redeemed for vouchers than for flights and hotels
- ✕ Since 15 June 2026, no points on rent, wallet, fuel, UPI, insurance, education, railways, tolls or government payments
- ✕ Forex markup rose from 1.75% to 2% on 15 June 2026
- ✕ Domestic lounge access depends on meeting a spend threshold
- ✕ Needs ₹2 Lakh monthly salary or ₹18 Lakh ITR, and you can't hold another YES BANK credit card