SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online, entry premium, and lounge.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on online spends, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1 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 |
|---|---|---|
| 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 Spends
8 YES Rewardz Points / Rs 200 spent
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
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 | 8 YES Rewardz Points / Rs 200 spent | 1,250 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 | 150 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.
- Domestic lounge access is subject to a spend threshold of Rs 35,000 in the previous calendar quarter.
- Domestic lounge access requires Rs 35,000 spend in the previous calendar quarter.
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.
Additional benefits
- Priority Pass or LoungeKey membership for primary cardmember
- 4 complimentary rounds of green fees per calendar year and 1 complimentary golf lesson per month at select golf courses in India
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000
Additional details
- Domestic lounge access is subject to a spend threshold of Rs 35,000 in the previous calendar quarter.
- First-year membership fee is waived on spending Rs 10,000 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.