Has YES Bank credit card service fully recovered since 2020?

Yes. Following RBI's March 2020 moratorium and the subsequent SBI-led reconstruction plan, YES Bank has fully rebuilt its digital infrastructure. As of 2026, the credit card platform operates normally with standard reward accrual, online redemption, and customer service via the YES MOBILE app. New card issuances, limit increases, and reward transfers all function normally.

What is unique about YES Bank Wellness cards?

YES Bank Wellness and Wellness Plus are among the few dedicated health-and-wellness credit cards in India. They offer accelerated reward points on pharmacy purchases, health club memberships, OPD consultations, and medical spends - categories most other cards treat as base-rate transactions. These cards appeal to health-conscious individuals with recurring healthcare expenses.

What rewards does the YES FIRST Preferred card offer?

YES FIRST Preferred earns accelerated reward points on travel bookings (flights, hotels), dining, and international spends. It includes complimentary domestic airport lounge access, milestone travel vouchers, and dining privileges at partner restaurants. Annual fee is ₹2,999 (waived on meeting an annual spend threshold).

Is the YES ACE card a good cashback card?

YES ACE offers flat cashback on all spends made via Google Pay or qualifying UPI QR transactions, making it competitive for customers who primarily pay digitally. It is one of the more accessible YES Bank cards with flexible eligibility, and cashback is credited automatically to the statement without manual redemption.

YES Prosperity Cashback Plus or YES Select - which cashback structure is better?

Prosperity Cashback Plus (₹1,499) boosts cashback to 5% on movies, groceries, and utility bills specifically; YES Select (₹599) offers a more modest general reward rate at a lower fee. Choose Prosperity if your spend is concentrated in those three categories; Select for a cheaper, more general-purpose card.

What is the difference between YES FIRST Preferred and FIRST Business?

Both charge ₹999, but FIRST Preferred targets personal travel and dining rewards with lounge access, while FIRST Business is built for entrepreneurs with a 1.75% forex markup and worldwide lounge access geared toward business travel. Pick based on whether the spend is personal or business-related.

Is YES Private worth its ₹50,000 fee?

YES Private Private Prime is YES Bank's ultra-premium, largely invitation-based product - only worth its steep fee for genuinely high-spend, high-net-worth customers who'll fully use its concierge and lifestyle benefits. For most applicants, YES Marquee (₹9,999) or FIRST Preferred (₹999) deliver better value per rupee of fee.

YES Bank Cards

YES Bank - Accelerated Rewards & Lifestyle Cards

Est.2004HQMumbai, Maharashtra21 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹3,417

About This Bank

YES Bank Credit Cards - 2026 Overview

YES Bank has emerged from its 2020 reconstruction with a refreshed credit card portfolio and improved digital infrastructure. While the bank's market position is smaller than before, its card programme offers genuine value - particularly in the rewards, travel, and wellness segments - at competitive annual fees.

Cashback & Wellness Cards Compared

With 21 active cards, YES Bank's lineup spans accessible cashback cards to invitation-only ultra-premium products - these tables group similar cards for comparison.

Card	Annual Fee	Reward Type	Best For
YES ACE	₹499 + GST	Reward Points	Flat cashback via Google Pay/UPI
YES Select	₹599 + GST	Reward Points	Lower-fee general-purpose card
YES Bank Wellness	₹499 + GST	Reward Points	Pharmacy/health-club spending
YES Bank Wellness Plus	₹1,499 + GST	Reward Points	Richer health-focused benefits
YES Prosperity Cashback Plus	₹1,499 + GST	Cashback	5% on movies, groceries, utilities

Travel & Premium Cards Compared

Card	Annual Fee	Best For
YES FIRST Preferred	₹999 + GST	Personal travel + dining rewards
YES FIRST Business	₹999 + GST	Business travel, 1.75% forex markup
YES Elite Plus	₹999 + GST	Mid-premium lifestyle
YES Bank Reserv	₹2,499 + GST	Upper-mid premium benefits
YES Bank Marquee	₹9,999 + GST	Super-premium, unlimited lounge
YES Private Private Prime	₹50,000 + GST	Ultra-HNI, largely invite-only

Portfolio Highlights

Cashback & Everyday: YES ACE (flat cashback via Google Pay/UPI QR), Select, Prosperity Cashback Plus - straightforward reward structures for daily spenders at low annual fees.

Wellness & Lifestyle: YES Wellness, YES Wellness Plus - health-focused cards with rewards on pharmacy purchases, health club spends, and OPD consultations. A differentiated niche in the Indian credit card market.

Travel & Premium: YES FIRST Preferred, YES FIRST Business, Elite Plus, Reserv - accelerated reward points on international spends, travel bookings, dining privileges, and complimentary lounge access.

Ultra-Premium: YES Private, YES Marquee - YES Bank's flagship premium products targeting high-net-worth individuals with comprehensive lounge access, concierge services, milestone travel benefits, and high reward earn rates.

Post-Reconstruction Recovery

YES Bank's card programme operates fully and normally as of 2026. The bank completed its reconstruction in 2020 with SBI-led recapitalisation and has since maintained stable operations. Cardholders can expect standard reward accrual, online redemption, and customer service through the YES MOBILE app and bank branches.

Featured YES Bank Cards

YES First Preferred Credit Card

The YES First Preferred Credit Card is a premium offering from YES Bank, tailored for individuals seeking high reward points and extensive travel bene...

Joining Fee:

₹999 + GST

Renewal Fee:

₹999 + GST

Reward Type:

Reward Points

TravelDiningShopping

YES Bank Cards

About This Bank

YES Bank Credit Cards - 2026 Overview

Cashback & Wellness Cards Compared

Travel & Premium Cards Compared

Portfolio Highlights

Post-Reconstruction Recovery

Featured YES Bank Cards

YES First Preferred Credit Card

YES Bank Wellness Plus Credit Card

Yes Bank Marquee Credit Card

YES ACE Credit Card

YES FIRST Business Credit Card

YES Prosperity Cashback Plus Credit Card

Eligibility Guide

Eligibility for YES Bank Credit Cards

General Criteria

Application

Key Documents

All YES Bank Cards

YES FIRST Business Credit Card

Yes Bank Marquee Credit Card

YES Bank BYOC Credit Card

YES Prosperity Cashback Plus Credit Card

YES First Preferred Credit Card

YES Select Credit Card

YES Elite+ Credit Card

YES Bank RESERV Credit Card

Yes Private/Private Prime Credit Card

Frequently Asked Questions