Best Yes Bank Credit Cards 2026 — Compare & Apply

Top Yes Bank Credit Cards in India 2026

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
✕ 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 Google Pay Users & Utility Bill Payers

Rewards Type Cashback

Rewards Rate

5% cashback on Google Pay; 3% on utility bill payments; 2% on other online; 1% on offline

Welcome Benefits

₹250 cashback on first ATM cash withdrawal within 30 days

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Key Advantages

✓ 5% cashback on Google Pay, among the highest UPI cashback rates available
✓ 3% on utility bills: electricity, water, gas, and phone payments
✓ One of the lowest regular APRs at 2.99%/month
✓ Low ₹499 annual fee (waived on ₹1.5 Lakh spend)
✓ 4 complimentary domestic airport lounge visits/year

Limitations

✕ 5% Google Pay cashback capped at ₹500/month
✕ 1% on offline/in-store spends, not ideal for regular retail shopping
✕ YES Bank has smaller branch/ATM network vs HDFC/SBI/ICICI
✕ Limited premium travel or lifestyle benefits

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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 Credit Cards at a Glance

Best Yes Bank Credit Cards Comparison Table
Card	Fee	Rating	Best For
1. YES Bank POP CLUB Credit Card	Free	★ 4.8	Online Shopping, UPI Payments...	View →
2. YES Bank Marquee Credit Card	₹4,999 + Taxes	★ 4.5	Online Shopping and High-Yield...	View →
3. YES Bank ACE Credit Card	₹499 + Taxes	★ 4.0	Google Pay Users & Utility Bill Payers	View →
4. KIWI UPI RuPay Credit Card	Free	★ 4.7	Daily UPI Payments, Scan & Pay...	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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