YES Bank SELECT Credit Card

• • Redemption fee: ₹100

Joining fee

₹599 plus applicable taxes

Annual / renewal fee

₹599 plus applicable taxes

Annual fee waiver

Spending ₹10,000 within one month of card issuance waives the first-year fee. Spending ₹1,00,000 in a card anniversary year waives the following year’s renewal fee.

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2.5% of the amount withdrawn or ₹500, whichever is higher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

2.75% on foreign currency conversion

DCC markup

1%

Reward redemption

₹100 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹125/cycle

Duplicate card

₹100

Issued at the bank’s discretion on its income and credit assessment. The product page publishes no income floor for this card, so none is stated here. A variant for NRI applicants is also offered.

• Is SELECT the same card as YES Prosperity Edge?
• What does the SELECT Credit Card cost?
• How does lounge access work?