Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
YES ACE Credit Card
Joining Fee - Rs. 499 + GST
Rewards Rate : For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories
Reward Redemption : The reward points can be redeemed against a variety of products and vouchers available on the website.
Insurance Benefits : Purchase Protection is Provided
YES Select Credit Card
Joining Fee - Rs. 599 + GST
Rewards Rate : 8 Reward Points on every Rs. 200 spent online. 4 RPs spent offline and 2 RPs on select categories.
Reward Redemption : Reward Points redeemable for movie ticket bookings on YES Rewardz portal at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
Domestic Lounge Access : 1 Free Visit Each Quarter
Golf : 4 complimentary rounds of green fees every year and 1 complimentary golf lesson each month.
Insurance Benefits : Purchase Protection is Provided
YES Elite+ Credit Card
Joining Fee - Rs. 999 + GST
Movie & Dining : 25% Discount on Movie Bookings With BookMyShow. Up to 25% Discount on Dining at Select Restaurants
Rewards Rate : 12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.
Reward Redemption : RPs Earned Are Redeemable Through Yes Rewardz (1 RP = Re. 0.25 Against Hotel/Flight Bookings)
Domestic Lounge Access : 2 complimentary lounge access per quarter.
International Lounge Access : 3 Free Visits in a Year
Golf : 4 Green Fee waiver and 1 complimentary golf lesson every month at selected golf courses in India
Insurance Benefits : A Credit Shield Cover Worth 3 lakhs and Purchase Protection
Yes Bank Wellness Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : Great offers and discounts on movies, shopping, travel, and wellness at participating locations on YES Privileges.
Rewards Rate : 20 RPs/200 Spent on Chemists and 4 RPs/200 Spent Elsewhere
Reward Redemption : Redeem at YES Rewardz Portal
Insurance Benefits : You get a Credit Shield coverage in case of accidental death of Primary cardholder
YES Bank RESERV Credit Card
Joining Fee - Rs. 2,499 + GST
Rewards Rate : 24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
Reward Redemption : Reward Points Can be Redeemed on the YesRewardz Portal Against Multiple Options
Domestic Lounge Access : 12 Domestic Lounge Visits Every Year (3 Per Quarter) on Spending 1 Lakh or More in the Previous Quarter
International Lounge Access : 6 Lounge Visits Outside India Each Year
Golf : 4 Complimentary Rounds of Golf With Green Fee Waived and 1 Complimentary Golf Lesson Per Year
Insurance Benefits : Insurance coverage is worth Rs. 3 crore if the cardholder's life is lost due to an air accident, and medical insurance is worth Rs. 50 lakh in case of emergency overseas hospitalization and a Credit Shield cover (up to Rs. 10 lakh) against outstanding card dues in the unfortunate event of the primary cardholder's death.
YES First Preferred Credit Card
Joining Fee - Rs. 999 + GST
Movie & Dining : 25% discount on movie booking through BookMyShow.
Rewards Rate : 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purchase16 reward points per Rs. 200 spent on travel and dining spends
Reward Redemption : 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
Travel : 4 complimentary international lounge access per year and 2 domestic lounge access per calendar quarter.
Domestic Lounge Access : 2 Free Domestic Lounge Access Every Quarter (8 Each Year)
International Lounge Access : You get 4 complimentary international lounge access every year through the Priority Pass.
Golf : 4 complimentary green fee rounds annually.
Insurance Benefits : Life insurance of up to Rs. 1 crore in the case of death due to flight accidents and medical insurance of Rs. 25 lakhs for emergency hospitalization.
YES Bank BYOC Credit Card
Joining Fee - Rs. 49 + GST (Monthly)
Rewards Rate : 1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).
Reward Redemption : The Reward Points can be redeemed against various options via the YesRewardz portal where 1 Reward Point = up to Re. 0.25.
Travel : Complimentary airport lounge access every quarter.
Domestic Lounge Access : 1 complimentary domestic lounge access every quarter.
Golf : 4 complimentary rounds of golf every year.
YES Bank Wellness Plus Credit Card
Joining Fee - Rs. 1,499 + GST
Rewards Rate : 6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
Reward Redemption : The reward points are redeemable on Yes Rewardz1 RP = Re. 0.25 when redeeming against hotel and flight bookings, and 1 RP = Re. 0.10 for redemption against product catalogue, gift vouchers, etc.
Travel : Get complimentary access to domestic lounges
Domestic Lounge Access : 8 complimentary access to domestic lounges annually (2 per quarter).
Insurance Benefits : Get a life insurance cover of Rs. 1 Crore, a medical insurance cover worth Rs. 25 lakhs, and a credit shield in case of primary cardholder's accidental death.
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