SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, dining, and online.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on travel and hotels.
Where value may drop
The renewal fee is waived only on Rs 1.2 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. The 3.4% forex markup is high for overseas use.
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 | 21,600 |
| Dining & food delivery | Rs 4,000 | 5,760 |
| Travel (cab, train, etc.) | Rs 5,000 | 7,200 |
| Groceries | Rs 5,000 | 7,200 |
| 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 Travel And Hotels
24 YES Rewardz Points / Rs 200 spent
Best for airport lounge access
3 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns YES Rewardz points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Travel and hotels | 24 YES Rewardz Points / Rs 200 spent |
| Dining | 24 YES Rewardz Points / Rs 200 spent |
| Groceries and supermarkets | 24 YES Rewardz Points / Rs 200 spent |
| Apparel, online entertainment, OTT, and digital goods | 24 YES Rewardz Points / Rs 200 spent |
| Other retail spends | 4 YES Rewardz Points / Rs 200 spent |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Anq App | Digital Gold | 4:1 |
| Anq App | Bitcoin | 4:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 3 complimentary international lounge visits per calendar year
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
- utility and telecom bill payments
- insurance premium payments
- toll payments
- educational services
- hospital spends
- EMI transactions (including post-facto conversions)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 300 per month
Additional details
- Co-branded credit card issued in partnership with Anq Finance
- Reward points (YES Rewardz) can be redeemed for Digital Gold or Bitcoin via the Anq app, or standard catalog rewards (vouchers, travel, products) via the YES Rewardz portal.
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Anq approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Anq approval criteria
Compare before you decide
Alternatives based on what you might want instead.