YES Select Credit Card: The Review You Need for Features, Perks, and Rewards

In today’s fast-paced world, a credit card does more than just pay bills. It rewards you with cashback, travel miles, dining deals, and other surprises at the end of every month. Among the sea of plastic cards, the YES Select Credit Card from YES Bank aims to spoil you with extra rewards, lifestyle perks, and exclusive invites. In this post, we will walk you through the card's features, fees, and hidden advantages so you can see if it fits your lifestyle.

Overview of the YES Select Credit Card

Designed for those who love luxury and ease, the YES Select Credit Card provides a range of premium benefits wrapped in a sleek design. With its generous points program, travel insurance, and lifestyle savings, every swipe helps turn routine spending into something special.

Key Features of the YES Select Credit Card

Before diving into the perks, let's take a closer look at the key features that make the YES Select Credit Card stand out:

1. Joining Fee

The YES Select Credit Card comes with a ₹599 + GST joining fee.

2. Renewal Fee

The renewal fee is the same ₹599 + GST each year, but it is waived if you spend ₹1 lakh or more in the previous 12 months.

3. Reward Points System

• 8 Reward Points for every ₹200 spent online.
  
  
• 4 Reward Points for every ₹200 spent offline.
  
  
• 2 Reward Points for every ₹200 spent on select bills like utilities, insurance, and education.
  
  

4. Reward Redemption

Points can be redeemed for a variety of rewards, including:

• Flights
  
  
• Hotel stays
  
  
• Gift vouchers
  
  
• Cool gadgets
  
  
• You can also book movie tickets via the YES Rewardz portal.
  
  

5. Lifestyle and Travel Benefits

• Complimentary Lounge Access: 1 free visit to a domestic lounge each quarter.
  
  
• Golf Privileges: 4 free rounds of golf each year at partner courses and 1 no-charge lesson every month.
  
  
• Insurance Coverage: Includes purchase protection and a credit shield for accidental death.
  
  

Key Benefits of the YES Select Credit Card

Now that we’ve looked at the features, let’s take a deeper look at the headline perks that set the YES Select Credit Card apart:

1. Reward Points for Every Spend

The card’s reward program is easy to love.

• Earn 8 points for every ₹200 spent online.
  
  
• Earn 4 points for every ₹200 spent offline.
  This point system allows you to rack up rewards with everything from coffee runs to long-haul flights. You can redeem your points for a variety of rewards like hotel nights, flight tickets, gift vouchers, or gadgets.
  
  

Additionally, movie buffs will appreciate that points can be redeemed for movie tickets.

2. Annual Fee Waiver

The card’s annual fee of ₹599 is modest considering the high-end benefits it offers. Even better, this fee is waived if you spend ₹1 lakh or more over the previous 12 months. This makes it a great option for frequent spenders who want to enjoy premium benefits without paying hefty fees.

3. Lounge Access and Golf Perks

For frequent travelers, the YES Select Credit Card offers:

• Complimentary lounge access: Enjoy 1 free visit to domestic lounges every quarter.
  
  
• Golf perks: You’ll get 4 free rounds of golf each year at select courses, along with 1 free lesson every month with a pro.
  
  

If you love golf or have always wanted to give it a try, these perks make the card even more attractive.

4. Dining Benefits

The YES Select Credit Card provides instant discounts and exclusive offers at select fine-dining restaurants across India, helping you make the most of your meals while saving money.

5. Purchase Protection and Credit Shield Coverage

• Purchase Protection: Covers your eligible purchases in case of theft or accidental damage.
  
  
• Credit Shield Coverage: Pays off your outstanding balance in case of accidental death of the primary cardholder, offering peace of mind for you and your loved ones.
  
  

Comparison with Other Premium Cards

When compared to other premium cards like the HDFC Diners Club Black or the RBL Bank Signature, the YES Select Credit Card holds its ground by offering a balanced mix of travel, lifestyle, and entertainment perks, all without the sky-high annual fees. Many premium cards charge a lot for similar benefits, but the YES Select offers a similar package at a much friendlier price.

Pros of YES Select Credit Card

• Generous Reward Points System: Earn 8 points per ₹200 spent online and 4 points per ₹200 spent offline.
  
  
• Modest Annual Fee: ₹599 + GST, waived after spending ₹1 lakh in the previous year.
  
  
• Complimentary Lounge Access: 1 free visit to domestic lounges every quarter.
  
  
• Golf Privileges: 4 free rounds of golf each year and 1 free lesson every month.
  
  
• Purchase Protection: Protection against theft and accidental damage on eligible purchases.
  
  
• Credit Shield Coverage: Clears your dues in case of accidental death of the primary cardholder.
  
  

Cons of YES Select Credit Card

• No Fixed Dining Partnerships: While dining benefits are available, they are not as extensive as those offered by some other cards that provide exclusive discounts at partner restaurants.
  
  
• Limited Lounge Access: The lounge access is capped at 1 free visit per quarter, which might not be enough for frequent travelers.
  
  

Conclusion: Is the YES Select Credit Card Right for You?

The YES Select Credit Card is an ideal choice for anyone looking for a premium card that balances travel perks, lifestyle benefits, and an attractive rewards program—all at a reasonable price. Whether you’re looking to earn rewards on everyday spending, enjoy lounge access during travel, or get discounted meals at top restaurants, this card covers all the bases.

If you love to travel, dine out, or enjoy golf and other luxury experiences, the YES Select Credit Card is a solid option. With its low annual fee, generous rewards, and valuable benefits, it’s an appealing choice for those who want to upgrade their lifestyle without breaking the bank.

If this card fits your lifestyle, go ahead and apply—you’ll start enjoying the perks right away.