YES Bank Airport Lounge Access Credit Cards in India 2026

4.50% reward on online spend, 2.25% on offline 

• Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
• Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

• Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
• Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
• Reduced categories (1.25%): Utilities, insurance, education, media & streaming
• No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

• 6 visits per quarter (for both primary and add-on cardholders)
• Requires ₹1 lakh spend in the previous quarter.

4 free golf rounds per year (maximum 1 per month) , and 1 free golf lesson per month

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

• Lost card liability: ₹15 lakh fraud protection
• Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
• Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)

Annual fee for 1st year is ₹50,000, from second year onwards is ₹10,000

2.50% reward on all domestic card spends

• Earn 10 reward points worth ₹2.50, on every ₹100 spent within India
• Exceptions: No reward points are given on the following card spends - Fuel, Rent, Wallet upload, Government, Advertising/Marketing, Cash Advance, Fee, Charges, LoungeKey Charges, EMI on Call & Instant EMI

5% reward on all international card spends: Earn 20 reward points worth ₹5, on every ₹100 spent outside India

Unlimited complimentary domestic airport lounge access || Unlimited complimentary international airport lounge access

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary domestic & international airport lounge access for a guest - up to a total of 12 times per year

Low foreign currency fee of 0.50%

Buy One Get One Free Movie Offer at BookMyShow: 4 free movie tickets (up to ₹250 each) per month

BookMyShow Events Offer

• Get 50% off on Event tickets including Experiences, Events, Plays and Sports
• Cardmembers can avail discount of up to ₹1000 every calendar month

Complimentary golf benefits in India

• 12 free golf rounds per year (maximum 3 free golf rounds per calendar quarter)
• 4 free golf rounds per year for guests (maximum 1 free golf round per calendar quarter)
• 12 complimentary golf lessons per year (maximum 3 free golf lessons per calendar quarter)

Complimentary insurance benefits

• Credit Shield: The outstanding amount on your card is covered upto ₹15 lakhs in case of accidental death of primary cardmember.
• Lost Card Liability: ₹10 lakhs

Fuel surcharge waiver at all fuel stations across India for transactions between ₹400 to ₹5000

3% reward on online shopping, 1.50% on offline, 0.75% reward on select categories

• 12 rewards points worth ₹3, on every ₹100 you spend on online shopping
• 6 rewards points worth ₹1.50, on every ₹100 you spend on offline shopping
• 3 rewards points worth ₹0.75, on every ₹100 you spend on select categories. Select categories include card spends on utility bills, insurance, government institutions, educational institutions

Reward points redemption: 1 reward point = up to ₹0.25, and can be redeemed for flights & hotels, vouchers, products and more.

Restrictions : You can earn a maximum of 36000 reward points in a month. This would be breached only if you spend more than ₹3 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.

Exceptions: No reward points are given on rent, wallet, fuel, UPI transactions, cash withdrawals, cash advance fees & charges, transactions converted to EMI (Post Purchase EMI, EMI on Call & Instant EMI).

Complimentary visits to airport lounges in India – 3 times per quarter. This benefit is valid only if you spend ₹1 lakh or more on your card in the previous quarter.

Complimentary visits to international airport lounges – 6 times per year

Complimentary golf – 4 free golf rounds per year, 1 free golf lesson per year

Fuel surcharge waiver up to ₹500 per month, only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits

• Lost card liability up to ₹30 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
• Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Annual fee for 1st year is ₹20,000, from second year onwards is ₹10,000

2.50% reward on all domestic card spends

• Earn 10 reward points worth ₹2.50, on every ₹100 spent within India
• Exceptions: No reward points are given on the following card spends - Fuel, Cash Advance, Fee, Charges, LoungeKey Charges, EMI on Call & Instant EMI

5% reward on all international card spends

• Earn 20 reward points worth ₹5, on every ₹100 spent outside India

Unlimited complimentary domestic airport lounge access 

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary access for a guest - 4 times per year (maximum 1 time per quarter)

Unlimited complimentary international airport lounge access

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary access for a guest - 4 times per year (maximum 1 time per quarter)

Buy One Get One Free Movie Offer at BookMyShow: 4 free movie tickets (up to ₹250 each) per month

BookMyShow Events Offer

• Get 50% off on Event tickets including Experiences, Events, Plays and Sports
• Cardmembers can avail discount of up to ₹1000 every calendar month

Low foreign currency fee of 0.50% on international card transactions

Complimentary golf benefits in India

• 12 free golf rounds per year (maximum 3 free golf rounds per calendar quarter)
• 4 free golf rounds per year for guests (maximum 1 free golf round per calendar quarter)
• 12 complimentary golf lessons per year (maximum 3 free golf lessons per calendar quarter)

Complimentary insurance benefits

• Credit Shield: The outstanding amount on your card is covered upto ₹15 lakhs in case of accidental death of primary cardmember.
• Lost Card Liability: ₹10 lakhs

Fuel surcharge waiver at all fuel stations across India for transactions between ₹400 to ₹5000

Cobranded credit card from Yes Bank, in partnership with Anq Finance

Complimentary access to international airport lounges - 3 times per year

3% unlimited reward on the following card spends - travel, hotels, dining, fast food

• Earn 12 reward points worth ₹3, on every ₹100 spent
• 1 reward point = ₹0.25

3% unlimited reward on the following card spends - groceries, supermarkets, apparels & entertainment

• Earn 12 reward points worth ₹3, on every ₹100 spent
• 1 reward point = ₹0.25

0.50% reward on all other card spends

• Earn 2 reward points worth ₹0.50, on every ₹100 spent
• 1 reward point = ₹0.25

Exceptions: No reward points are given on the following spends -  Fuel, Rent, Wallet Loads, Government Services, Utility & Telecom Bill Payments, Insurance, Toll/Bridge Fee, Educational Services, Jewellery, Watches, Clocks, Silverware, Hospitals, Precious Stones & Metals, ATM/ Cash Withdrawal, EMI Transactions, Fee and Charges, POI Funding Transactions

Fuel surcharge waiver up to ₹300 per month, and valid only on fuel transactions between ₹400 and ₹5000

1% benefit on online shopping || 0.50% benefit on offline shopping || 0.25% reward on select categories

• 4 rewards points worth ₹1, on every ₹100 you spend on online shopping
• 2 rewards points worth ₹0.50, on every ₹100 you spend on offline spends
• 1 reward point worth ₹0.25, on every ₹100 you spend on select categories. Select categories include card spends on utility bills, insurance, educational institutions

Reward points redemption: 1 rewards point = ₹0.25, and can be redeemed for flights, hotels, vouchers, products and more

Restrictions: You can earn a maximum of 5000 reward points in a month. This would be breached only if you spend more than ₹1.25 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.

No reward points are given on fuel transactions, EMI transactions and cash withdrawals,  rental, wallet, government & marketing / advertising category transactions.

Chance to earn higher rewards through 2 subscription plans (3X & 5X subscription plans)

▶︎ 3X subscription plan 

• 3% reward on online card spends || 1.50% reward on offline card spends || 0.75% reward on select categories (for 12 months after subscribing to the plan)
• Subscription cost of this plan is ₹1000 per year

▶︎ 5X subscription plan (applicable only on select card spends – travel || dining || fashion || healthcare) 

• 5% reward on online card spends in these categories || 2.50% reward on offline card spends in these categories (for 12 months after subscribing to the plan)
• Subscription cost of this plan is ₹2000 per year

Restrictions: Additional YES Rewardz Points under these 3X and 5X programs are capped at 75,000 per month, per customer.

Complimentary visits to airport lounges in India – 1 time per quarter. This benefit is valid only if you spend ₹50,000 or more on your card in the previous quarter.

Complimentary golf – 4 free golf rounds per year (maximum 1 per month), 1 free golf lesson per month

Fuel surcharge waiver up to ₹125 per month, and valid only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits

• Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
• Credit shield cover of ₹3 lakhs, which protects your dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

1.50% benefit on online shopping || 0.75% benefit on offline shopping || 0.50% reward on select categories

• 6 rewards points worth ₹1.50, on every ₹100 you spend on online shopping
• 3 rewards points worth ₹0.75, on every ₹100 you spend on offline spends
• 2 rewards points worth ₹0.50, on every ₹100 you spend on select categories. Select categories include card spends on utility bills, insurance, educational institutions

Reward point redemption: 1 reward point = up to ₹0.25, and can be redeemed for flights & hotels, vouchers, products and more.

Restrictions: You can earn a maximum of 12000 reward points in a month. This would be breached only if you spend more than ₹2 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.

Exceptions: No reward points are given on Rent, Wallet and Fuel transactions, Cash withdrawals, Government, Advertising & Marketing transactions, Cash Advance Fee & Charges, Post Purchase EMI, EMI on Call & Instant EMI transactions

Chance to earn higher rewards through 2 subscription plans (3X & 5X subscription plans)

▶︎ 3X subscription plan 

• 3% reward on online card spends || 2.25% reward on offline card spends || 1.50% reward on select categories (for 12 months after subscribing to the plan)
• Subscription cost of this plan is ₹1500 per year

▶︎ 5X subscription plan (applicable only on select card spends – travel || dining || fashion || healthcare) 

• 4.50% reward on online card spends in these categories || 3.75% reward on offline card spends in these categories (for 12 months after subscribing to the plan)
• Subscription cost of this plan is ₹2500 per year

Restrictions: Additional YES Rewardz Points under these 3X and 5X programs are capped at 75,000 per month, per customer.

Complimentary visits to international airport lounges – 3 times per year

Complimentary visits to domestic airport lounges – 2 times per quarter. This benefit is valid only if you spend ₹50,000 or more on your card in the previous quarter.

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

Fuel surcharge waiver up to ₹125 per month, and valid only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits

• Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
• Credit shield cover of ₹3 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Choice of 10% cashback (upto ₹100 per month per partner) at upto 5 select partners – BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy: Based on the monthly fee package you choose, get cashback at any 2 partners (Silver Plan), any 3 partners (Gold Plan), OR all 5 partners (Platinum Plan)

• Silver Plan : ₹99 monthly fee || 10% cashback (upto ₹100 per month per partner), at any 2 partners
• Gold Plan : ₹149 monthly fee || 10% cashback (upto ₹100 per month per partner) at any 3 partners
• Platinum Plan : ₹249 monthly fee || 10% cashback (upto ₹100 per month per partner) at all 5 partners

Choice of 1% cashback on all card spends, OR 4 reward points on every ₹100 of all card spends

▶︎ Monthly fee for choosing 1% cashback : ₹99

• Cashback is not given on rental payments, fuel transactions, cash advance fee & charges, wallet, utility and fuel, government & marketing / advertising category transactions and EMI transactions.
• Maximum cashback is capped upto ₹1000 per month.

▶︎ Monthly fee for choosing 4 reward points on every ₹100 of all card spends : ₹49

• Important exclusions: Reward points are not given on fuel transactions, cash advance, fee & charges, EMI transactions, wallet, government & marketing / advertising category transactions.

Choice of normal plastic card || eco-friendly card || metal card

• One time fee for normal plastic card : Zero
• One time fee for eco-friendly card : ₹249
• One time fee for metal card : ₹3499

Choice of personalising your credit card, with an image you love

Complimentary access to airport lounges in India – 1 per quarter

Complimentary golf benefits: 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per year

Fuel surcharge waiver up to ₹125 per month, and valid only on fuel transactions between ₹400 and ₹5000

12 free fitness sessions (gym, yoga, zumba etc) per month through Aditya Birla Wellness Multiply app

Complimentary health benefits through Aditya Birla Wellness Multiply app

• Free annual preventive health checkup, on up to 31 parameters
• Annual eye and dental check up
• Unlimited consultations with nutritionist, general practitioner and specialists

Complimentary domestic airport lounge access - 2 times per quarter. Cardholders need to spend ₹50,000 or more in a quarter to qualify for complimentary lounge privilege.

3.75% benefit on purchases at chemists and pharmaceutical stores

• 15 rewards points worth ₹3.75, on every ₹100 you spend in this category
• 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
• This is not valid on EMI transactions

0.75% benefit on all other card spends

• 3 rewards points worth ₹0.75, on every ₹100 you spend on all other card purchases
• 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
• Exceptions: No reward points are given on fuel transactions, EMI transactions, cash withdrawals, fees & charges, rental, wallet, government & marketing / advertising category transactions.
• Restrictions: Capping of reward points earned on utility spends is 300 points per statement cycle.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000