YES Bank offers a diverse portfolio of over 27.6 lakh active credit cards in India as of late 2025, catering to various spending needs. Many cards feature low forex markup fees, starting from 1.75% for premium variants like RESERV and First Business, making them suitable for international transactions.
| Option | Annual Cost (₹) | Key Benefit / Rate | Best For |
|---|---|---|---|
| YES Bank Marquee Credit Card | Not specified | 4.5% reward rate on all online spends, 1% forex markup, unlimited international lounge access | High-income individuals, online spending, international travel |
| YES Bank RESERV Credit Card | Not specified | 1.75% forex markup (as of August 11, 2025) | Premium users, international transactions |
| YES Bank First Business Credit Card | Not specified | 1.75% forex markup, 1% fuel surcharge waiver (₹400-₹5,000 transactions) | Businesses, fuel spends |
| YES Bank Kiwi Credit Card | 0 (Lifetime Free) | 1.5% flat cashback on UPI Scan & Pay, ₹5 Cashback for UPI transactions up to 5% (Min ₹499), 2 YES Rewardz for every ₹200 spent on non-UPI transactions | UPI-heavy users, small frequent UPI transactions |
| YES Bank POP Club Credit Card | Not specified | POPcoins on transactions, optimized for P2M (Passenger to Merchant) UPI transactions | UPI spending, digital rewards |
| YES Bank PaisaSave Credit Card | Not specified | 1% cashback on transactions above ₹2,000 | Entry-level users, UPI spending, cashback on larger transactions |
| YES BANK BankBazaar Co-branded Credit Card | 0 (Lifetime Free) | Accelerated reward points, complimentary CreditStrong report, real-time dashboard, 1% forex markup fee (DCC Spends) | Individuals seeking value without annual fees, credit score monitoring |
| YES BANK ACE Credit Card | Affordable annual fee | 6 reward points per ₹200 on e-commerce, 3 reward points per ₹200 on other spends, 1% fuel surcharge waiver (₹400-₹5,000 spends up to ₹250/month) | Rewarding e-commerce and general spends |
| YES BANK Wellness Credit Card | Not specified | Complimentary insurance benefits, 1% fuel surcharge waiver (₹400-₹5,000 spends) | Prioritizing financial value and personal wellness |
| YES BANK Klick Credit Card | Not specified | 1.5% flat cashback on UPI Scan & Pay | UPI Scan & Pay transactions |
| YES Bank Rio RuPay Credit Card | 0 (Lifetime Free) | Optimized for P2M UPI transactions (as of October 3, 2025) | UPI-focused users, lifetime free benefits |
| YES Bank ELITE+ Credit Card | Not specified | ₹100 per redemption request (reward points) | Users with high reward point accumulation |
YES Bank credit cards also feature interest rates ranging from 1.99% to 3.99% per month, with specific surcharges on utility, education, and wallet loading payments effective from January 2026.
Fees, Charges & Interest Rates
YES Bank credit cards carry interest rates from 1.99% to 3.99% per month, varying by card variant and customer relationship with the bank. Forex markup fees range from 1.75% for premium cards like RESERV to 3.5% for most other variants, as of June 2026. Utility payment charges of 1% plus GST apply on transactions exceeding specified monthly thresholds from January 15, 2026.
| Option | Joining Fee (₹) | Annual Fee (₹) | Interest Rate (p.m.) | Forex Markup Fee (%) |
|---|---|---|---|---|
| YES Bank Credit Cards (General) | Varies by card variant | Varies by card variant | 1.99%-3.99% | 1.75%-3.5% |
| YES BANK Kiwi (Virtual RuPay Credit Card) | 0 | 0 | Not specified | Not applicable |
| YES Bank BankBazaar Co-branded Credit Card | 0 | 0 | Not specified | 1% (DCC Spends) |
| YES Bank Rio RuPay Credit Card | 0 | 0 | Not specified | Not specified |
| YES BANK ACE Credit Card | Affordable annual fee | Affordable annual fee | Not specified | Not specified |
Beyond standard fees, YES Bank credit cards also include a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a monthly CAP of ₹125. Cash advance fees are 2.5% of the withdrawn amount or ₹300, whichever is higher, for ATM withdrawals in India and abroad. Utility payment charges are 1% plus GST on transactions exceeding ₹15,000, ₹25,000, or ₹50,000 per calendar month, depending on the card, with a maximum charge of ₹5,000 per transaction (effective January 15, 2026).
Key Benefits, Rewards & Features
YES Bank credit cards offer a range of benefits, including competitive reward points, travel perks, and lifestyle privileges, designed for diverse spending habits. As of 2026, many cards provide welcome bonuses and fuel surcharge waivers, overall value for cardholders.
- Reward Points Programs: The YES Bank ACE Credit Card offers 6 reward points per ₹200 spent on e-commerce transactions and 3 points on other spends. The ELITE+ Credit Card allows up to 12,000 reward points per statement cycle.
- Fuel Surcharge Waivers: Most YES Bank credit cards provide a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, with a maximum waiver of ₹500 per billing cycle on the ELITE+ card. This waiver is effective from June 15, 2026, for transactions between ₹500 and ₹3,000 on some cards.
- Travel Benefits: Premium cards like YES Bank RESERVE offer up to three complimentary domestic lounge accesses every quarter. Many cards feature low foreign exchange mark-up fees, starting from 1.75% for RESERV and First Business variants.
- Welcome & Renewal Offers: The FinBooster: YES BANK – BankBazaar Co-branded Credit Card provides an Amazon Pay/Swiggy/Zomato voucher of ₹250 upon activation and a single transaction of ₹300 or more (valid until October 31, 2026). The YES Bank RESERVE credit card offers an ₹500 Amazon voucher and 8,000 renewal points.
- Security Features: All YES Bank credit cards support NFC-enabled contactless transactions and Mastercard SecureCode for d online payment security. Card management through the mobile app allows for block/unblock controls and limit settings.
- UPI Integration: The YES Bank Rio RuPay Credit Card is optimized for P2M (Person to Merchant) UPI transactions, offering convenience for digital payments across India. This card is also lifetime-free, with no annual or joining fees.
- Insurance Coverage: YES Bank provides a credit shield of ₹2.5 lakh in case of accidental death of the primary cardholder and a lost card liability cover of ₹3 lakh (as of 2026).
- Lifestyle Privileges: Many YES Bank cards include “Buy 1 Get 1” offers on BookMyShow, discounts at partner restaurants, and access to premium golf courses with complimentary green fee waivers.
These benefits are regularly updated, with specific offers across dining, shopping, and travel categories available throughout 2026.
Best YES Bank Cards for UPI Payments
YES Bank offers several credit cards optimized for UPI transactions, providing cashback or accelerated reward points. As of 2026, the YES BANK Kiwi card offers a flat 1.5% cashback on UPI Scan & Pay, making IT a strong contender for everyday digital payments.
| Card Name | UPI Rewards | Annual Fee (₹) | Key Feature |
|---|---|---|---|
| YES BANK Kiwi | 1.5% flat cashback on UPI Scan & Pay (up to 5% with Neon membership tiers) | 0 | Optimized for P2M transactions; cashback credited directly to bank account |
| YES BANK POP Club | 10 POPcoins per ₹100 on online shopping (less tangible rewards for UPI) | 399 + GST (waived at ₹1.5 lakh annual spend) | Highest online reward rate among YES Bank’s entry-level cards |
| YES BANK PaisaSave RuPay | 1% cashback (2 reward points per ₹200) on UPI transactions above ₹2,000 | Lifetime Free | Virtual companion to PaisaSave Mastercard; rewards redeemable as cashback (1:1) |
| YES BANK Uni RuPay | Accelerated rewards on UPI transactions | 0 | Co-branded offering; slightly lower foreign currency exchange mark-up fee |
| YES BANK FinBooster RuPay | 5x reward points on online dining, 3x points on online grocery and apparel (indirect UPI benefits) | Not specified | Co-branded with Platinum BankBazaar; performs better with digital/UPI-intensive habits |
The YES BANK Kiwi card stands out for its direct cashback on UPI, while other RuPay variants offer varying reward structures for digital spending. Always verify the specific reward rates and annual fee waivers for 2026 before applying.
Eligibility Criteria & Documents
Applying for a YES Bank credit card in 2026 requires meeting specific age, income, and credit score criteria. Most cards target individuals aged 21 to 60 years with a CIBIL score of 700 or higher.
| Criteria | Requirement |
|---|---|
| Age | 21 to 60 years (Primary cardholder); Minimum 18 years (Add-on cardholder) |
| Employment Status | Salaried or Self-Employed Individual |
| Net Monthly Salary (General) | Minimum ₹25,000 (for cards like ACE, Rio RuPay, FinBooster) |
| Net Monthly Salary (Premium Cards) | Minimum ₹1 lakh (for cards like ELITE+) |
| Income Tax Return (ITR) | Minimum ₹5 lakh p.a. (general); ₹7.5 lakh p.a. (for cards like ACE, Rio RuPay, FinBooster); ₹9 lakh p.a. (for cards like ELITE+) |
| Credit Score | 700 or above (CIBIL/Experian score) |
| Residency | Resident of India, residing in cities where YES Bank operates |
| Existing Relationship | Not an existing YES Bank credit cardholder (for certain co-branded cards like FinBooster) |
| Identity Proof | PAN card (or Form 60), Aadhaar card, Voter ID, Passport |
| Address Proof | Utility bills, Passport, Aadhaar card (Form 60 accepted if PAN not provided by add-on applicant) |
| Income Proof | Latest salary slips, Bank statements, IT returns, or Form 16 |
| Application Form | Duly completed and signed credit card application form, Passport-sized photographs |
Specific income requirements vary by card variant, with premium cards like ELITE+ requiring higher monthly salaries or ITRs. Always verify the latest eligibility details for your chosen card directly with YES Bank.
How to Apply Online
Applying for a YES Bank credit card online is a streamlined process, typically requiring digital submission of documents and fulfilling specific income criteria. As of 2026, applicants generally need a CIBIL score of 700 or above and a minimum net monthly salary of ₹25,000 to ₹1 lakh, depending on the card variant. To apply for a YES Bank credit card online, follow these steps:
- Visit the Official YES Bank Website: to the credit cards section on yes.bank.in to explore available card options and their features.
- Check Eligibility: Review the specific eligibility criteria for your chosen card, such as age (21-60 years), employment status (salaried or self-employed), and minimum income (e.g., ₹25,000/month for ACE Credit Card or ₹1 lakh/month for ELITE+ Credit Card).
- Complete the Online Application Form: Fill out the digital application form with accurate personal, financial, and employment details.
- Upload Required Documents: Submit scanned copies of your PAN card or Form 60, identity proof (Aadhar card, Voter ID), address proof (utility bills, passport), and income proof (latest salary slips, bank statements, or IT returns of ₹5 lakh to ₹9 lakh).
- Review and Submit: Carefully check all entered information and uploaded documents before submitting your application.
- Application Tracking: After submission, you will receive an application reference number to track your application status online.
- Verification Process: YES Bank will conduct a verification process, which may include a CIBIL score check and physical document verification.
- Card Issuance: Upon successful verification and approval, your credit card will be dispatched to your registered address.
The online application process is designed for convenience, allowing you to apply from anywhere in India.
Choosing the Right YES Bank Card
Selecting the ideal YES Bank credit card in 2026 depends on your spending habits and financial goals. YES Bank offers cards tailored for various needs, from travel benefits to everyday cashback, with over 27.6 lakh active cards as of late 2025 (Source: Reserve Bank of India).
- For Travel Enthusiasts: Cards like YES Bank RESERV and First Business offer a lower forex markup fee of 1.75%, making international transactions more economical. These cards also provide complimentary lounge access and dedicated concierge services.
- For Everyday Spends: The YES Bank ACE Credit Card provides 6 reward points for every ₹200 spent on e-commerce transactions and 3 points on other spends, making IT suitable for daily purchases.
- For Budget-Conscious Users: The FinBooster: YES BANK – BankBazaar Co-branded Credit Card is lifetime free, with no annual or joining fees, and offers a 1% forex markup fee on DCC spends.
- For UPI Transactions: The YES Bank Rio RuPay Credit Card is optimized for P2M transactions in India and is a lifetime-free card, integrating seamlessly with UPI payments.
- For Premium Benefits: The YES Bank ELITE+ Credit Card offers up to 12,000 reward points per statement cycle and a maximum fuel surcharge waiver of ₹500 per billing cycle.
- For Fuel Savings: Many YES Bank cards provide a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with specific limits per month (e.g., up to ₹125 for some variants).
Consider your monthly income and spending categories to align with a card’s eligibility and reward structure for maximum benefit.
Common Mistakes & Myths
Many applicants make errors when applying for YES Bank credit cards, often misunderstanding eligibility or fee structures. As of 2026, YES Bank has over 27.6 lakh active credit cards, indicating widespread usage potential for missteps if terms are not clear. Avoiding common pitfalls ensures a smoother application and better card experience.
- Ignoring Eligibility Criteria: Many applicants overlook the specific income and age requirements. For instance, the YES Bank ELITE+ Credit Card requires a minimum net monthly salary of ₹1 lakh or an ITR of ₹9 lakh, while the ACE Credit Card needs ₹25,000 monthly salary or ₹7.5 lakh ITR.
- Misunderstanding Forex Markup Fees: While some premium cards like RESERV and First Business have a lower forex markup of 1.75%, most other YES Bank variants charge 3.5% on international transactions. This can add significant costs for frequent overseas travelers.
- Overlooking Surcharges on Utility Payments: Effective January 2026, YES Bank applies a 1% surcharge on utility payments, education payments, and wallet loading above specified monthly thresholds. Users often miss these charges, leading to unexpected costs.
- Not Checking Welcome Offers and Benefits: New cardholders sometimes miss activating welcome offers, such as the Amazon Pay/Swiggy/Zomato voucher of ₹250 for FinBooster cardholders upon a single transaction of ₹300 or more (valid until October 31, 2026).
- Assuming All Cards are Lifetime Free: While cards like the YES Bank Rio RuPay Credit Card and the FinBooster: YES BANK – BankBazaar Co-branded Credit Card are lifetime free, other variants may have annual fees. Always verify the specific card’s fee structure.
Understanding these common mistakes helps in selecting and utilizing YES Bank credit cards effectively, aligning with individual financial needs.
Key Takeaways
- YES Bank credit card eligibility varies significantly by card, with income requirements ranging from ₹25,000 to ₹1 lakh net monthly salary for different variants as of 2026.
- Forex markup fees on YES Bank credit cards range from 1.75% for premium cards (RESERV, First Business) to 3.5% for most other variants, impacting international transaction costs.
- Effective January 2026, YES Bank implemented a 1% surcharge on utility, education, and wallet loading payments exceeding monthly thresholds, which users must factor into their spending.
Review the specific terms and conditions for your chosen YES Bank credit card on the official YES Bank website before applying.
Frequently Asked Questions (FAQs)
What are the interest rates on YES Bank credit cards in 2026?
As of 2026, interest rates on YES Bank credit cards typically range from 1.99% to 3.99% per month. The exact rate depends on your specific card variant and whether you hold a YES Bank savings or salary account. Always verify the current rate for your chosen card with the bank.
What are the forex markup fees for YES Bank credit cards in 2026?
YES Bank credit cards have forex markup fees ranging from 1.75% to 3.5% in 2026. Premium cards like RESERV and First Business typically have a lower 1.75% fee. Most other card variants carry a 3.5% forex markup charge on international transactions.
Did YES Bank change credit card fees in 2026?
Yes, YES Bank implemented revisions to its credit card policies and charges effective June 15, 2026. These changes include higher spending thresholds for cash advance fees, auto-debit failure charges, and card re-issuance fees. New surcharges on utility payments, education payments, and wallet loading also apply above specified monthly limits.
Which YES Bank credit cards offer good rewards for UPI payments in 2026?
The YES Bank Kiwi virtual RuPay card is optimized for P2M (Person to Merchant) UPI transactions in India, offering ₹5 cashback for UPI transactions up to 5% (minimum ₹499). Other YES Bank cards may also offer UPI rewards depending on partner bank variants and ongoing promotions in 2026. Always check the specific card’s benefits for UPI usage.
What are the eligibility criteria for a YES Bank credit card in 2026?
Eligibility for YES Bank credit cards in 2026 typically requires applicants to be Indian residents between 21 and 60 years old. You generally need a stable income, with specific minimum income requirements varying by card variant. A strong CIBIL score, usually 750 or higher, significantly improves your approval chances and helps secure better terms.
How many active YES Bank credit cards are there in India?
YES Bank has a significant presence in the Indian credit card market. As of late 2025, the bank reported over 27.6 lakh active credit cards. This figure reflects its growth as an active card issuer in the country.
Does YES Bank offer lifetime free credit cards in 2026?
Yes, YES Bank offers some lifetime free credit cards, meaning they have no annual fee. For example, the YES Bank Kiwi virtual RuPay card is advertised as a lifetime free card. Always confirm the specific card’s terms and conditions for any annual fees or waiver criteria when applying in 2026.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.