SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online, entry level, and utility bills.
Why it can work
It offers accelerated rewards on online shopping.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many YES Rewardz points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | YES Rewardz Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 7,200 |
| Utility bills | Rs 3,000 | 360 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Online Shopping
8 YES Rewardz Points / Rs 200 spent
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 8 YES Rewardz Points / Rs 200 spent | 5,000 YES Rewardz points |
| Other retail spends | 4 YES Rewardz Points / Rs 200 spent | - |
| Select categories (utilities, insurance, education, telecom) | 2 YES Rewardz Points / Rs 200 spent | 600 YES Rewardz points |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Club Vistara | Club Vistara | 4:1 |
| InterMiles | InterMiles | 4:1 |
| Air India | Maharaja Club | 10:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Adani One | Adani One Rewards | 100:10 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- EMI transactions (including post-facto conversions)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- First-year membership fee waived on spending Rs 5,000 within 30 days of card issuance
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 250 per month
- Green fee waiver and complimentary golf lessons at select golf courses
Additional details
- 1% fee + GST on utility transactions when cumulative spends exceed Rs 15,000 in a calendar month
- 1% fee + GST on rental transactions
- 1% fee + GST on wallet load transactions when cumulative spends exceed Rs 15,000 in a calendar month
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Minimum monthly income: Rs 25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual income (ITR): Rs 7.5 Lakhs
Compare before you decide
Alternatives based on what you might want instead.