Yes Bank Credit Cards 2025
Explore all credit cards from Yes Bank. 18 cards ranked by our experts.
Visit Official WebsiteShowing 18 cards
Best for: Premium lifestyle, low forex markup, excellent travel
YES First Exclusive
APPLY NOW
on Yes Bank's website
Annual fee
₹2,500
Rewards rate
₹2.00 - ₹4.00/₹100
Joining fee
₹2,500
Interest rate
42.00%
Card details
Forex Markup
1.75%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Excellent reward rate, low forex markup, unlimited lounge, golf
Cons
- Higher annual fee, YES Bank perception
YES First Preferred
APPLY NOW
on Yes Bank's website
Annual fee
₹2,999
Rewards rate
₹0.50 - ₹2.00/₹100
Joining fee
₹2,999
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES First Preferred Plus
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
Rewards rate
₹0.75 - ₹3.00/₹100
Joining fee
₹4,999
Interest rate
41.88%
Card details
Forex Markup
2.00%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High interest rate of 41.88% on revolving credit
- Reward points may have limited redemption options
YES Prosperity Edge
APPLY NOW
on Yes Bank's website
Annual fee
₹499
Rewards rate
₹0.17/₹100
Joining fee
₹499
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES Prosperity Rewards
APPLY NOW
on Yes Bank's website
Annual fee
₹999
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹999
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES Elite
APPLY NOW
on Yes Bank's website
Annual fee
₹3,999
Rewards rate
₹0.67 - ₹2.00/₹100
Joining fee
₹3,999
Interest rate
41.88%
Card details
Forex Markup
2.50%
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹250000
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- Limited lounge access (6 visits per year)
- High interest rate of 41.88% on revolving credit
YES Premia
APPLY NOW
on Yes Bank's website
Annual fee
₹1,999
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹1,999
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- 2 complimentary international lounge visits per year
- Good insurance coverage up to ₹50 lakh
Cons
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Best for: Ultra HNIs, international travelers, golf enthusiasts, luxury lifestyle seekers
YES Private
APPLY NOW
on Yes Bank's website
Annual fee
₹10,000
Rewards rate
₹2.00 - ₹5.00/₹100
Joining fee
₹50,000
Interest rate
21.00%
Card details
Forex Markup
0.50%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Exceptional 0.5% forex markup - lowest in India
- 40 RP per Rs.200 on international (20% rate)
- 16 RP per Rs.200 on domestic (8% rate)
- Unlimited lounge access via LoungeKey (850+ lounges)
- Rs.5 crore air accident insurance
- Rs.1 crore overseas medical coverage
- 12 golf rounds + 12 lessons per year
- 24x7 Mastercard World Elite concierge
- No cash advance, late payment or overlimit fees
Cons
- Rs.50,000 joining fee is substantial
- Invite-only requiring Rs.5 crore relationship
- Reward point value reduced to Rs.0.15 for vouchers
- Monthly redemption caps (6 lakh points)
- Point value devalued from Rs.0.25 in 2024
- Requires Rs.3 crore liability relationship minimum
YES Kiwi Klick RuPay
APPLY NOW
on Yes Bank's website
Annual fee
FREE
Rewards rate
₹1.00/₹100
Joining fee
FREE
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
YES Uni
APPLY NOW
on Yes Bank's website
Annual fee
FREE
Rewards rate
₹1.00/₹100
Joining fee
FREE
Interest rate
36.00%
Card details
Forex Markup
1.99%
Min Monthly Income ₹25
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Low forex markup of 1.99% - great for international spends
- Extended interest-free period of 51 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Best for: Premium travelers seeking unlimited international lounge access and high rewards
Yes Bank RESERV
APPLY NOW
on Yes Bank's website
Annual fee
₹1,999
Rewards rate
₹0.75 - ₹3.00/₹100
Joining fee
₹1,999
Interest rate
N/A
Card details
Forex Markup
1.75%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹3.00 per ₹100
- Generous 12 domestic lounge visits per year
- Comprehensive insurance coverage up to ₹3 crore
- Low forex markup of 1.75% - great for international spends
Cons
- High income requirement of ₹1800K per month
- Reward points may have limited redemption options
YES Divaa
APPLY NOW
on Yes Bank's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹499
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Best for: Mid-premium users seeking balanced rewards on online and offline spends
Yes Bank Elite+
APPLY NOW
on Yes Bank's website
Annual fee
₹999
Rewards rate
₹0.50 - ₹1.50/₹100
Joining fee
₹999
Interest rate
N/A
Card details
Forex Markup
2.75%
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
Cons
- High income requirement of ₹900K per month
- Reward points may have limited redemption options
YES First Business
APPLY NOW
on Yes Bank's website
Annual fee
₹2,499
Rewards rate
₹0.50 - ₹1.50/₹100
Joining fee
₹2,499
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Business, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES BankBazaar
APPLY NOW
on Yes Bank's website
Annual fee
₹499
Rewards rate
₹0.17/₹100
Joining fee
₹499
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES Prosperity
APPLY NOW
on Yes Bank's website
Annual fee
₹250
Rewards rate
₹0.10/₹100
Joining fee
₹250
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level
CardNitty's take
Pros
- Low annual fee of just ₹250
- Annual fee waiver on spending ₹30000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
YES RuPay Select
APPLY NOW
on Yes Bank's website
Annual fee
₹999
Rewards rate
₹0.25/₹100
Joining fee
₹999
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Best for: Premium lifestyle seekers with high online spending and travel needs
Yes Bank Marquee
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
Rewards rate
₹2.25 - ₹4.50/₹100
Joining fee
₹9,999
Interest rate
N/A
Card details
Forex Markup
1.00%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹4.50 per ₹100
- Low forex markup of 1.00% - great for international spends
Cons
- Significant joining fee of ₹9999
- Limited lounge access (6 visits per year)
- High income requirement of ₹2400K per month
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