YES Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 6 YES Bank credit cards, including ELITE+ Credit Card, Reserv Credit Card, YES FIRST Preferred Credit Card, Prosperity Rewards Credit Card, YES Bank Marquee Credit Card and ACE Credit Card.

Cards from the same bank can look alike but differ in what they reward. Compare each YES Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

YES Bank credit cards and their terms

ELITE+ Credit Card (YES Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 8 domestic, 3 international · forex markup 2.75% · income guide ₹12,00,000 a year · credit score 750+. An all-rounder mid-premium card offering accelerated rewards on online shopping and affordable international lounge access. Perks: 2 complimentary domestic lounge visits per quarter (conditional on past quarter spend); 3 complimentary international lounge visits per calendar year; 25% discount (up to ₹250) on movie tickets via BookMyShow.
Reserv Credit Card (YES Bank): joining fee ₹2,499 · annual fee ₹2,499, waived on ₹3,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 1.75% · income guide ₹24,00,000 a year · credit score 750+. A premium lifestyle card offering 3% flat rewards on online shopping, international lounge access, and a low 1.75% forex markup. Perks: 3 complimentary domestic lounge visits per quarter (conditional on past quarter spend); 6 complimentary international lounge visits per calendar year; 25% discount (up to ₹250) on movie tickets via BookMyShow.
YES FIRST Preferred Credit Card (YES Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,50,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 1.75% · income guide ₹24,00,000 a year · credit score 750+. An excellent lifestyle card offering a baseline 1% reward rate, competitive 1.75% forex markup, and generous golf and travel benefits. Perks: Priority Pass membership with 4 complimentary international lounge visits per year; 8 complimentary domestic lounge visits per year (2 per quarter, conditional on spend); 4 complimentary green fee waivers and 12 golf lessons per year.
Prosperity Rewards Credit Card (YES Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.4% · income guide ₹3,00,000 a year · credit score 750+. An entry-level rewards credit card offering baseline rewards on everyday retail spends with an easily achievable annual fee waiver. Perks: Accelerated rewards (3X/5X) available via YES Bank's optional Reward Subscription Plans; 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; Insurance cover of up to ₹50,000 against accidental damage.
YES Bank Marquee Credit Card: joining fee ₹9,999 · annual fee ₹4,999, waived on ₹10,00,000 yearly spend · base reward 2.25% of spend · lounge visits per year: 24 domestic · forex markup 1% · income guide ₹36,00,000 a year. YES Bank's flagship super-premium card offering an exceptional 4.5% reward rate on online spends and unlimited international lounge access. Perks: 4.5% flat reward rate on all online spends; Unlimited international airport lounge access for primary and add-on cardholders; 8 complimentary guest lounge visits per year.
ACE Credit Card (YES Bank): joining fee ₹499 · annual fee ₹499, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 2.75% · income guide ₹3,00,000 a year. An entry-level rewards card offering 1% back on online shopping and optional subscription plans to boost reward rates. Perks: 4X Rewards on Online Shopping; Optional Rewards Subscription Plans to boost points up to 5X; Buy 1 Get 1 Free on Coffee at select malls.

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Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.

YES Bank credit cards: fees, rewards and eligibility compared

YES Bank credit cards and their terms

ELITE+ Credit Card (YES Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 8 domestic, 3 international · forex markup 2.75% · income guide ₹12,00,000 a year · credit score 750+. An all-rounder mid-premium card offering accelerated rewards on online shopping and affordable international lounge access. Perks: 2 complimentary domestic lounge visits per quarter (conditional on past quarter spend); 3 complimentary international lounge visits per calendar year; 25% discount (up to ₹250) on movie tickets via BookMyShow.
Reserv Credit Card (YES Bank): joining fee ₹2,499 · annual fee ₹2,499, waived on ₹3,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 1.75% · income guide ₹24,00,000 a year · credit score 750+. A premium lifestyle card offering 3% flat rewards on online shopping, international lounge access, and a low 1.75% forex markup. Perks: 3 complimentary domestic lounge visits per quarter (conditional on past quarter spend); 6 complimentary international lounge visits per calendar year; 25% discount (up to ₹250) on movie tickets via BookMyShow.
YES FIRST Preferred Credit Card (YES Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,50,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 1.75% · income guide ₹24,00,000 a year · credit score 750+. An excellent lifestyle card offering a baseline 1% reward rate, competitive 1.75% forex markup, and generous golf and travel benefits. Perks: Priority Pass membership with 4 complimentary international lounge visits per year; 8 complimentary domestic lounge visits per year (2 per quarter, conditional on spend); 4 complimentary green fee waivers and 12 golf lessons per year.
Prosperity Rewards Credit Card (YES Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.4% · income guide ₹3,00,000 a year · credit score 750+. An entry-level rewards credit card offering baseline rewards on everyday retail spends with an easily achievable annual fee waiver. Perks: Accelerated rewards (3X/5X) available via YES Bank's optional Reward Subscription Plans; 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; Insurance cover of up to ₹50,000 against accidental damage.
YES Bank Marquee Credit Card: joining fee ₹9,999 · annual fee ₹4,999, waived on ₹10,00,000 yearly spend · base reward 2.25% of spend · lounge visits per year: 24 domestic · forex markup 1% · income guide ₹36,00,000 a year. YES Bank's flagship super-premium card offering an exceptional 4.5% reward rate on online spends and unlimited international lounge access. Perks: 4.5% flat reward rate on all online spends; Unlimited international airport lounge access for primary and add-on cardholders; 8 complimentary guest lounge visits per year.
ACE Credit Card (YES Bank): joining fee ₹499 · annual fee ₹499, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 2.75% · income guide ₹3,00,000 a year. An entry-level rewards card offering 1% back on online shopping and optional subscription plans to boost reward rates. Perks: 4X Rewards on Online Shopping; Optional Rewards Subscription Plans to boost points up to 5X; Buy 1 Get 1 Free on Coffee at select malls.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.