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YES BANK SELECT Credit Card

The YES Bank Select Credit Card offers rewarding benefits for everyday spending. Earn double points on online purchases, enjoy up to four complimentary domestic lounge visits annually, and benefit from a competitive forex conversion fee of just 2.75%. The first-year fee is ₹599 plus applicable taxes, making it a versatile choice for frequent shoppers and travelers.

YES BANK SELECT Credit Card

About YES Bank SELECT Credit Card

The SELECT Credit Card, previously called the Prosperity EDGE Card, is designed for users seeking rewards on a variety of spends. It offers enhanced points on online purchases and also provides rewards on categories like utilities, education, and insurance, though at a modest rate. While the points earning potential is attractive, the redemption value of up to Rs. 0.25 per point may reduce the effective returns. Beyond rewards, the card comes with lifestyle and travel perks, including complimentary domestic lounge access and golf privileges. Below is a detailed look at its features, benefits, and key considerations.

Premium Rewards Program

Earning Rewards

  • Earn 8 points for every Rs. 200 spent on online purchases.

  • Earn 4 points for every Rs. 200 spent on in-store purchases.

  • Earn 2 points for every Rs. 200 spent on selected categories.

Reward Booster Subscription

Cardholders can opt for a rewards booster plan to accelerate point earnings. Depending on the chosen plan, you can earn additional points on your card spends:

  • Plan A – Rs. 1,000/year

    • Online purchases: 2X points over the standard rate

    • Offline & select category purchases: 3X points over the standard rate

  • Plan B – Rs. 2,000/year

    • Online purchases: 3X points over the standard rate

    • Offline purchases: 5X points over the standard rate

Additional Features & Advantages

Airport Lounge Access

  • Enjoy 1 complimentary domestic lounge visit every quarter.

Golf Privileges

  • Avail 4 free rounds of green fees annually at selected golf courses in India.

  • Receive 1 complimentary golf lesson at participating golf clubs.

Foreign Exchange Benefit

  • Benefit from a reduced forex conversion fee of 2.75%.

Fuel Surcharge Savings

  • Get a 1% waiver on fuel surcharges for transactions between Rs. 400 and Rs. 5,000.

YES BANK SELECT Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Fees and Charges

Fee Type Amount
Joining Fee Rs. 599 + Taxes (waived off on spending Rs. 10,000 or more within 1 month of card setup)
Annual Fee Rs. 599 + Taxes (waived off on spending Rs. 1 Lakh or more in the preceding year)
Finance Charges 3.99% per month (47.88% per annum)
Late Payment Charges
On outstanding balance of:
Up to Rs. 500 Nil
Above Rs. 500 Rs. 1,350 or 10% of total outstanding amount, whichever is lower

Before You Apply

Who Should Consider This Card:

  • Individuals who primarily shop online and want to maximize savings on e-commerce purchases.

  • Those looking to earn rewards on bills such as utilities, insurance, and education.

  • Occasional travelers who don’t require extensive travel-focused benefits.

  • Cardholders who already have other cards for dining, entertainment, or lifestyle expenses.

Eligibility Requirements:

  • Age: 21 to 60 years

  • Occupation: Salaried or Self-employed

  • Minimum Income:

    • Salaried: Rs. 50,000 per month

    • Self-employed: Annual Income (ITR) of Rs. 7.5 lakh or more

Steps to Close YES BANK SELECT Credit Card

You can easily close your credit card through online and offline methods provided by YES BANK. Follow the steps below:

  1. Close via Online Request

    • Visit the official credit card closure page of YES BANK

    • Enter the required details:

      • Last 4 digits of your credit card number

      • Date of birth

      • Registered mobile number

    • Verify your request using OTP

    • Submit the closure request

  2. Close via Net Banking

    • Log in to YES Online (Net Banking)

    • Navigate to the credit card section

    • Select your YES BANK SELECT Credit Card

    • Choose the closure option and submit your request

  3. Close via Mobile Banking App

    • Open the YES BANK iris Mobile App

    • Log in using your credentials

    • Go to the credit card section

    • Select your card and request closure

  4. Close via Customer Care

    • Call the helpline numbers:

      • 1800 103 6000

      • 1860 210 1200

    • For international users: +91 22 4935 0000

    • Request card closure and complete verification

  5. Close via Email

Important Points to Remember

  • Clear all outstanding dues (EMIs, fees, and charges) before requesting closure

  • Redeem your reward points or benefits before closing the card

  • Cancel all auto-debits and subscriptions linked to the card

  • Do not use the card after submitting the closure request

  • Keep a copy of the closure confirmation/acknowledgment

After Closure

  • Cut your credit card diagonally across the chip/magnetic strip

  • Check your credit report after a few weeks to ensure the status shows “closed”

YES BANK SELECT Credit Card Helpline Number

If you need assistance with your YES BANK SELECT Credit Card, you can contact the customer support team of YES BANK for help with billing, payments, card blocking, complaints, and other services.

📞 Customer Care Numbers (India)

🕒 Timings: 8:00 AM to 8:00 PM
After 8 PM, only critical services are available

Credit Card Support

For credit card-related queries:

International Helpline

Country-Specific Numbers:

Email Support

Complaints & Escalation

Level 2 – Grievance Redressal

Level 3 – Principal Nodal Officer

🕒 Timings: 9:30 AM – 6:00 PM (except weekends & bank holidays)

Services Available

You can contact customer care for:

  • Billing and payment assistance

  • Reporting lost or stolen cards

  • Transaction disputes and fraud issues

  • Credit card closure or upgrade requests

  • Complaints and grievance escalation

Important Tips

  • Keep your registered mobile number and card details ready

  • Never share sensitive details like OTP, PIN, or CVV

  • Always use official YES BANK channels for secure communication

FAQs

What is the credit limit on this card?

The credit limit is personalized based on your income, existing financial obligations, and internal assessment policies. Your specific limit will be communicated once your card is issued.

No, complimentary access to international airport lounges is not included with this card.

To book a golf session, call the golf concierge on the designated toll-free number. Complimentary golf lessons are available only at selected courses, and bookings should be made at least 5 days in advance. Full terms and conditions apply.

No, this card is not available to those who already hold another card from the same issuer.

Contact customer support immediately. Toll-free numbers are available for domestic calls, and an international contact number is provided for calls from abroad.