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Verified 2026 Guide28 Cards Ranked

Best Yes Bank Credit Cards in India 2026

Every Yes Bank credit card compared on fees, real reward rates and lounge access. We compared 28 credit cards (including 11 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickLifetime Free (₹0 Fee)
AI Inside RuPay Credit Card
Yes Bank

AI Inside RuPay Credit Card

Earn: 3% on other

Lifetime free

Calculate Net Value & View Benefits
Showing 28 of 28 cardsRanked by Base Earn Rate & Net Value
#1

AI Inside RuPay Credit Card

LTF
AI Inside RuPay Credit Card

Annual Fee

Free

Headline Rate

3% on other

Lifetime free
Cashback
RuPay❯❯
#2

AI Inside Credit Card

LTF
AI Inside Credit Card

Annual Fee

Free

Headline Rate

3% on other

Lifetime free
Cashback
VISA
#3

Select Credit Card

Select Credit Card

Annual Fee

₹599

Headline Rate

8x on online

₹599/yr fee
Lounge Points
VISA
#4

YES Prosperity Business Card

YES Prosperity Business Card

Annual Fee

₹499

Headline Rate

8x on dining

₹499/yr fee
Lounge Points
#5

RESERV Credit Card

RESERV Credit Card

Annual Fee

₹2,499

Headline Rate

12x on online

₹2,499/yr fee
Lounge Points
VISA
#6

YES BANK Paisabazar PaisaSave RuPay Credit Card

LTF
YES BANK Paisabazar PaisaSave RuPay Credit Card

Annual Fee

Free

Headline Rate

6% on dining

Lifetime free
Cashback
RuPay❯❯
#7

YES BANK Paisabazar PaisaSave Credit Card

YES BANK Paisabazar PaisaSave Credit Card

Annual Fee

₹499

Headline Rate

6% on dining

₹499/yr fee
Cashback
#8

UNI Credit Card

UNI Credit Card

Annual Fee

₹499

Headline Rate

1% on other

₹499/yr fee
Cashback
#9

EMI Credit Card

EMI Credit Card

Annual Fee

₹499

Headline Rate

1% on other

₹499/yr fee
Cashback
#10

YES First Business Card

YES First Business Card

Annual Fee

₹999

Headline Rate

8x on dining

₹999/yr fee
Lounge Points
#11

UNI Rupay Credit Card

LTF
UNI Rupay Credit Card

Annual Fee

Free

Headline Rate

1% on other

Lifetime free
Cashback
RuPay❯❯
#12

Elite+ Credit Card

Elite+ Credit Card

Annual Fee

₹999

Headline Rate

6x on online

₹999/yr fee
Lounge Points
VISA
#13

ACE Credit Card

ACE Credit Card

Annual Fee

₹499

Headline Rate

4x on online

₹499/yr fee
Points
VISA
#14

Klick Credit Card

LTF
Klick Credit Card

Annual Fee

Free

Headline Rate

2x on other

Lifetime free
Points
RuPay❯❯
#15

POP-CLUB Credit Card

POP-CLUB Credit Card

Annual Fee

₹399

Headline Rate

10x on online

₹399/yr fee
Points
#16

ANQ Phi Credit Card

ANQ Phi Credit Card

Annual Fee

₹499

Headline Rate

12x on travel

₹499/yr fee
Lounge Points
#17

FinBooster Credit Card

LTF
FinBooster Credit Card

Annual Fee

Free

Headline Rate

1x on online

Lifetime free
Points
#18

Zagg Credit Card

LTF
Zagg Credit Card

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Lounge Points
#19

Wellness Credit Card

Wellness Credit Card

Annual Fee

₹499

Headline Rate

1 pts/₹100

₹499/yr fee
Points
#20

YES Essence Credit Card

YES Essence Credit Card

Annual Fee

₹799

Headline Rate

1 pts/₹100

₹799/yr fee
Lounge Points
VISA
#21

YES PRIVATE

YES PRIVATE

Annual Fee

₹10,000

Headline Rate

0 pts/₹100

₹10,000/yr fee
Lounge Points
VISA
#22

MARQUEE Credit Card

MARQUEE Credit Card

Annual Fee

₹4,999

Headline Rate

0 pts/₹100

₹4,999/yr fee
Lounge Points
VISA
#23

RuPay Credit Card

LTF
RuPay Credit Card

Annual Fee

Free

Headline Rate

1x on online

Lifetime free
Points
RuPay❯❯
#24

BYOC Credit Card (Build Your Own Card)

BYOC Credit Card (Build Your Own Card)

Annual Fee

₹49

Headline Rate

0 pts/₹100

₹49/yr fee
Points
#25

Wellness Plus Credit Card

Wellness Plus Credit Card

Annual Fee

₹1,499

Headline Rate

0x on other

₹1,499/yr fee
Lounge Points
#26

YES BANK novio Credit Card

LTF
YES BANK novio Credit Card

Annual Fee

Free

Headline Rate

5 pts/₹100

Lifetime free
Points
#27

YES Bank novio RuPay Credit Card

LTF
YES Bank novio RuPay Credit Card

Annual Fee

Free

Headline Rate

5x on travel

Lifetime free
Points
RuPay❯❯
#28

YES BANK Niyo Credit Card

LTF
YES BANK Niyo Credit Card

Annual Fee

Free

Headline Rate

4x on online

Lifetime free
Points
VISA
Base Earn Calculation: Represents ₹ value earned per ₹100 of everyday spend at standard earn rates before milestone or category multipliers. Real Net Annual Value depends on your exact monthly spend breakdown — use any card's detail page for full calculator.

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Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.