SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 1.75% forex markup, and accelerated rewards on online spends.
Where value may drop
The renewal fee is waived only on Rs 3 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.
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 |
| Utility bills | Rs 3,000 | 1,080 |
| Other spends | Rs 8,000 | 5,760 |
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 Spends
24 YES Rewardz Points / Rs 200 spent
Best for airport lounge access
18 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 your spend is low
The Rs 2,499 fee waives only at Rs 3 lakh/year, and some benefits can be spend-gated.
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 spends | 24 YES Rewardz Points / Rs 200 spent | 9,000 YES Rewardz points |
| Other retail spends | 12 YES Rewardz Points / Rs 200 spent | - |
| Select categories (utilities, insurance, education, telecom) | 6 YES Rewardz Points / Rs 200 spent | 750 YES Rewardz points |
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.
- 3 complimentary domestic lounge visits per quarter for primary cardmember
- Domestic lounge access is subject to a spend threshold of Rs 1,00,000 in the previous calendar quarter.
- 6 complimentary international lounge visits in 12 months for primary and add-on cardmembers
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rental payments
- Wallet loading transactions
- Cash withdrawal / cash advance transactions
- EMI transactions (including post-purchase and instant EMI)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 8,000 YES Rewardz points credited on joining fee realization
Renewal benefits
- 8,000 YES Rewardz points credited on renewal fee realization
Additional benefits
- BookMyShow discount up to 25% on movie tickets (up to Rs 250 per transaction)
- Purchase protection cover on eligible electronics
- Green fee waiver and golf lessons at select golf courses
Additional details
- First-year membership fee is waived on spending Rs 40,000 within 30 days of card issuance.
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to YES BANK approval criteria
Self-employed
- Eligibility is subject to YES BANK approval criteria
Compare before you decide
Alternatives based on what you might want instead.