ABILITY TO PERSONALISE YOUR CARD || GOOD CASHBACK RATE ON SMALL PURCHASES AT SELECT PARTNERS

Yes Bank BYOC Credit Card

Yes Bank BYOC Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Choice of personalising your credit card, with an image you love
10%
Choice of 10% cashback (upto ₹100 per month per partner) at 5 select partners - BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy
✔︎
Choice of normal plastic card || eco-friendly card || metal card
✔︎
Complimentary access to airport lounges in India - 1 per quarter
✔︎
4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per year
Annual Fee

₹

Minimum Income

₹25,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Nil

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

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Benefits

  • Choice to personalise benefits, as well as appearance of your card
  • Monthly fee, and ability to switch plans gives flexibility

Drawbacks to consider

  • 10% cashback benefit only given on low spends at the 5 partners

To read the full review of the card , please click here

YES BANK PREMIUM CARD - ATTRACTIVE REWARDS ON ONLINE SPENDING || RANGE OF LIFESTYLE BENEFITS

Yes Bank Marquee Credit Card

Yes Bank Marquee Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
4.50% reward on online shopping
✔︎
2.25% reward on offline shopping
✔︎
Unlimited international airport lounge access
✔︎
Domestic airport lounge access – 6 times per quarter
✔︎
4 free golf rounds per year, 1 free golf lesson per month
✔︎
Bookmyshow movie tickets: 3 tickets per month (up to ₹800 each)
✔︎
Low forex fee of 1% on international transactions
Annual Fee

₹4999

Minimum Income

₹3 lakh per month (salaried) || ₹36 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 40,000 reward points worth ₹10000
  • Renewal offer : Annual fee waiver at ₹10 lakh annual card spend

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)
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Benefits

  • High online shopping rewards (4.50%)
  • Unlimited international lounge access
  • Generous domestic lounge access
  • Low foreign transaction fees (1%)
  • 3 free movie tickets per month (under BOGO offer)

Drawbacks to consider

  • High income requirements
  • High rewards possible only through travel redemptions, popular e-vouchers have lower redemption value
  • Compared to the best premium cards, relatively lower reward on travel spends 
  • Quarterly spend requirement for domestic lounges

To read the full review of the card , please click here

Low fee credit card with international lounge access

YES BANK Anq Phi Credit Card

YES BANK Anq Phi Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Complimentary access to international airport lounges - 3 times per year
3%
Unlimited reward on the following card spends - groceries, supermarkets, apparels & entertainment
3%
Unlimited reward on the following card spends - travel, hotels, dining, fast food
Annual Fee

₹499

Minimum Income

₹25,000 per month (salaried) || ₹7.50 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer: No first year annual fee
  • Renewal offer: Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year

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

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Benefits

  • International airport lounge access, which is not a very common benefit on low fee credit cards
  • Higher rewards on a number of travel and shopping spends

Drawbacks

  • You can earn comparatively higher rewards on some other cards

To read the full review of the card , please click here
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