SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, dining, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 1.75% forex markup, and accelerated rewards on travel spends.
Where value may drop
The renewal fee is waived only on Rs 2.5 lakh 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.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
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 |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 3,840 |
| Travel (cab, train, etc.) | Rs 5,000 | 4,800 |
| Utility bills | Rs 3,000 | 720 |
| Other spends | Rs 8,000 | 3,840 |
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 Spends
16 YES Rewardz Points / Rs 200 spent
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.75% forex markup keeps overseas and forex transactions cheaper.
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 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 |
|---|---|---|
| Travel spends | 16 YES Rewardz Points / Rs 200 spent | 3,000 YES Rewardz points |
| Dining spends | 16 YES Rewardz Points / Rs 200 spent | 3,000 YES Rewardz points |
| Other retail spends | 8 YES Rewardz Points / Rs 200 spent | - |
| Select categories (utilities, grocery, insurance, government/taxes) | 4 YES Rewardz Points / Rs 200 spent | - |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| 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.
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of Rs 75,000 in the previous calendar quarter.
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 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
- 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 50,000 within 90 days of card issuance
- 10,000 bonus YES Rewardz points on first transaction within 90 days of card issuance (worth Rs 2,500)
Additional benefits
- 25% discount on movie tickets on BookMyShow, up to Rs 250 per month
- 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
- Eligibility is subject to YES BANK approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK approval criteria
Compare before you decide
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