Best Yes Bank Credit Cards 2026

Yes Bank credit cards like Yes Prosperity and Yes First Preferred offer competitive reward rates and lifestyle benefits for urban professionals.

Top Yes Bank Credit Cards in India 2026

KIWI UPI RuPay Credit Card

4.7/5

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends

Rewards Type Cashback

Rewards Rate

Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)

Welcome Benefits

Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback

Card Details +

Key Advantages

✓ 100% Lifetime Free credit card with zero joining and annual fees
✓ Earn up to 5% cashback on all eligible UPI transactions
✓ Native RuPay credit card integration directly linked to Kiwi UPI App
✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
✓ Domestic airport lounge access available via Neon spend milestones

Limitations

✕ Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
✕ Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
✕ No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends

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YES Bank POP CLUB Credit Card

4.8/5

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YES Bank POP CLUB Credit Card by YES Bank

Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Online Shopping, UPI Payments over RuPay, Merchant Rewards & Lifestyle Vouchers

Rewards Type Reward Points

Rewards Rate

10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline spends; 5% instant POPcoins on POP UPI

Welcome Benefits

Welcome benefits worth ₹5,000 including 500 POPcoins, Zomato Gold 3-month membership, Cleartrip ₹750 voucher, Blinkit free deliveries & Cult.sport voucher

Card Details +

Key Advantages

✓ 100% Lifetime Free credit card with zero joining and annual fees
✓ RuPay network support for direct UPI payments
✓ Generous welcome package worth ₹5,000 across Zomato, Cleartrip, Blinkit, Cult.sport & Rapido
✓ Accelerated 10 POPcoins per ₹100 spent online and 5% POPcoins on POP UPI app transactions
✓ Quarterly milestone bonus of 1,500 POPcoins on crossing ₹1.5 Lakhs in spends

Limitations

✕ Does not include complimentary domestic or international airport lounge access
✕ Existing YES Bank credit cardholders are ineligible to apply
✕ Foreign currency transaction markup fee of 3.4% applies on international spends

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YES Bank Marquee Credit Card

4.5/5

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YES Bank Marquee Credit Card by YES Bank

Joining Fee Nil (1st Year Free)

Annual Fee ₹4,999 + Taxes

Best Suited For Online Shopping and High-Yield Value Back on Overseas Transactions

Rewards Type Reward Points

Rewards Rate

36 reward points per ₹200 spent on online shopping; 18 reward points per ₹200 spent on offline shopping

Welcome Benefits

40,000 Reward Points welcome benefit

Card Details +

Key Advantages

✓ 36 reward points per ₹200 on online spends, one of the higher online earn rates available
✓ 1% forex markup, among the lowest available
✓ Points redeemable across airlines and a range of luxury vouchers
✓ Allows a generous allocation of up to 3 separate complimentary add-on cards

Limitations

✕ Lounge access benefits are restricted by a spend threshold of ₹1 Lakh in the preceding quarter
✕ Core essential categories (fuel, cash advances, EMIs) are completely excluded from point accruals
✕ ₹1 or 1% processing fee on wallet loads and rent payments; a ₹100 + GST redemption fee also applies per points-redemption request
✕ Reward points are capped at 1 lakh per statement cycle

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YES Bank ACE Credit Card

4.0/5

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Joining Fee ₹499 + Taxes

Annual Fee ₹499 + Taxes

Best Suited For Entry-level Online Shopping Rewards

Rewards Type Reward Points

Rewards Rate

8 YES Rewardz points per ₹200 online (about 1%), 4 per ₹200 offline (0.5%), 2 per ₹200 on select categories

Welcome Benefits

First-year fee reversed on ₹5,000 spend within a month of card set-up

Card Details +

Key Advantages

✓ 8 reward points per ₹200 on online shopping
✓ Low ₹499 fee, reversed on ₹5,000 spend in the first month and ₹50,000 a year after
✓ Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
✓ Buy one get one on coffee at major mall outlets

Limitations

✕ Low reward value: about 1% online and 0.5% offline
✕ No points on UPI, fuel, rent or wallet loads; select categories earn only 2 per ₹200
✕ No airport lounge access
✕ High 3.99% monthly interest and 3.5% forex markup

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YES Bank RESERV Credit Card

4.3/5

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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

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Yes Bank Credit Cards at a Glance

Best Yes Bank Credit Cards Comparison Table
Card	Fee	Rating	Best For
1. KIWI UPI RuPay Credit Card	Free	★ 4.7	Daily UPI Payments, Scan & Pay...	View →
2. YES Bank POP CLUB Credit Card	Free	★ 4.8	Online Shopping, UPI Payments...	View →
3. YES Bank Marquee Credit Card	₹4,999 + Taxes	★ 4.5	Online Shopping and High-Yield...	View →
4. YES Bank ACE Credit Card	₹499 + Taxes	★ 4.0	Entry-level Online Shopping Rewards	View →
5. YES Bank RESERV Credit Card	₹2,499 + Taxes	★ 4.3	High Online Rewards with a Low...	View →

Frequently Asked Questions

What is Yes Bank's POP-Club Credit Card known for?

It's a cashback card that earns 'POPcoins' (10 per ₹100 on online shopping and 2 per ₹100 offline), with a ₹399 annual fee waivable on ₹1.5 lakh spend.

Can existing Yes Bank cardholders apply for the POP-Club card?

No, the POP-Club Credit Card is reserved for new Yes Bank credit card customers only.

What are Yes Bank's other popular credit cards?

Yes Prosperity and Yes First Preferred are known for competitive reward rates and lifestyle benefits aimed at urban professionals.

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