Mastercard
Yes BankYES Bank RESERV Credit Card
Joining₹2.5K
Annual₹2.5K/yr
Reward24 YES Rewardz Points per ₹200 on online shopping, 12 per ₹200 on offline shopping and 6 per ₹200 on select categories.
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Co-BrandedEntryMastercard✦ BankBazaar
YES Bank FinBooster Credit Card
Credit-score tracking with online spend rewards
Annual feeLifetime Free
Rewards10 reward points per ₹200 on online dining, 6 per ₹200 on online grocery and apparel, and 2 per ₹200 on other retail spends.
Forex markup3.4%3.40% on foreign currency conversion
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Rewards
Base earn rate
10 reward points per ₹200 on online dining, 6 per ₹200 on online grocery and apparel, and 2 per ₹200 on other retail spends.
YES Rewardz
- • Redemption fee: ₹100
Fees & charges
- Joining fee
- Nil
- Annual / renewal fee
- Lifetime free
- Interest rate
- 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
- Interest-free period
- 50 days
- Cash advance fee
- 2.5% of the amount withdrawn or ₹500, whichever is higher
- Overlimit fee
- Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
- Payment dishonour
- ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
- Forex markup
- 3.40% on foreign currency conversion
- DCC markup
- 1%
- Reward redemption
- ₹100 per redemption
- Fuel surcharge
- 1% waiver, on ₹400–₹5000 txns
- Duplicate card
- ₹100
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹500 | ₹0 |
| Above ₹501 | Above ₹500 — 10% of the statement balance, capped at ₹1,350 |
Eligibility
- Income (salaried)
- Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above
- Income (self-employed)
- ₹7.5L/year
Employment types
SalariedSelf-Employed
Features
✓ Contactless✓ Chip & PIN✓ International usage
Additional features
- Complimentary CreditStrong credit report and score tracking
- Accelerated points on online dining, grocery and apparel
- No joining or renewal fee
- Fuel surcharge waiver on transactions between ₹400 and ₹5,000
FAQs
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