Best Credit Cards in India 2025

We've reviewed 10 of the most popular credit cards from leading Indian banks - covering annual fees, rewards, cashback, eligibility, required documents, and exactly how to apply. No fluff, just the facts you need to choose the right card.

10Cards Reviewed
8Major Banks
2025Data Updated
1. HDFC Bank Regalia Credit Card
HDFC Bank
Travel Rewards Premium
Annual Fee: ₹2,500 + GST (waived on ₹3 lakh annual spend) Joining Fee: ₹2,500 + GST

Fees & Charges

Annual Fee
₹2,500 + GST (waived at ₹3L spend)
Interest Rate
3.6% per month (43.2% p.a.)
Cash Advance Fee
2.5% of the amount, minimum ₹500
Late Payment Fee
₹100–₹1,300 depending on outstanding
Forex Mark-up
2% + GST
Duplicate Statement
₹100 per statement

Key Features

  • Earn 4 Reward Points per ₹150 spent on all purchases
  • Complimentary domestic airport lounge access - 12 visits/year
  • Complimentary international lounge access via Priority Pass - 6 visits/year
  • Welcome benefit: 2,500 reward points on card activation
  • Milestone bonus: 10,000 reward points on spending ₹5 lakh/year
  • 2% mark-up fee on international transactions (lower than market average)
  • Fuel surcharge waiver on transactions between ₹400–₹5,000

Rewards & Cashback

  • 4 Reward Points per ₹150 on all spends
  • 20 Reward Points per ₹150 on HDFC SmartBuy portal
  • 1 Reward Point = ₹0.50 redemption value
  • Points redeemable for air miles, hotel stays, gift vouchers, and merchandise
  • No expiry on reward points as long as card is active

Eligibility Criteria

CriteriaDetails
Age21–60 years for salaried; 21–65 years for self-employed
Minimum Income₹1 lakh/month net salary for salaried individuals
Credit Score750+ recommended for easy approval
EmploymentSalaried employees or self-employed professionals
Existing RelationshipExisting HDFC savings/salary account preferred but not mandatory

Documents Required

  • PAN Card (mandatory)
  • Aadhaar Card or Passport as address proof
  • Latest 3 months salary slips (salaried) or last 2 years ITR (self-employed)
  • Latest 3 months bank statements
  • Passport size photograph

How to Apply

  • Online: Apply at hdfcbank.com → Products → Credit Cards → Regalia
  • HDFC Mobile Banking app: Cards section → Apply for Credit Card
  • Bank Branch: Visit nearest HDFC branch with documents
  • Approval timeline: 7–10 working days for new customers; 3–5 days for existing account holders
  • Card delivered by courier to registered address after approval

Pros & Cons

Pros
  • Excellent lounge access benefits for frequent travellers
  • Annual fee waiver on moderate spending
  • Strong rewards ratio for a mid-premium card
  • Reliable reward point redemption ecosystem
Cons
  • High income requirement limits eligibility
  • International lounge access capped at 6 visits per year
  • 3.6% monthly interest is high if balance is carried
  • Cash advance charges are steep

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
2. SBI Card SimplyCLICK
State Bank of India
Cashback Online Shopping
Annual Fee: ₹499 + GST (waived on ₹1 lakh annual spend) Joining Fee: ₹499 + GST

Fees & Charges

Annual Fee
₹499 + GST (waived at ₹1L spend)
Interest Rate
3.5% per month (42% p.a.)
Cash Advance Fee
2.5%, min ₹500
Late Payment Fee
₹0 to ₹1,300 based on balance
Forex Mark-up
3.5% + GST
Add-on Card
No fee

Key Features

  • Welcome e-gift voucher worth ₹500 from Amazon on card activation
  • 10X Reward Points on online spends with Amazon, Flipkart, BookMyShow, Cleartrip, Swiggy, Zomato, and more
  • 5X Reward Points on all other online spends
  • 1X Reward Point per ₹100 on offline purchases
  • Annual fee reversal on spending ₹1 lakh/year
  • Fuel surcharge waiver at all petrol pumps in India
  • Annual milestone bonus: e-voucher worth ₹2,000 on ₹2 lakh annual spend

Rewards & Cashback

  • 10X points on partner apps (Amazon, Flipkart, Zomato, Swiggy, BookMyShow, Cleartrip)
  • 5X points on other online transactions
  • 1X point on offline purchases
  • 1 Reward Point = ₹0.25 redemption value
  • Redeem via SBI Card rewards portal or statement credit

Eligibility Criteria

CriteriaDetails
Age18–65 years
Minimum Income₹20,000/month net salary (salaried)
Credit Score700+ recommended
EmploymentSalaried or self-employed individuals
ResidenceIndian resident

Documents Required

  • PAN Card
  • Aadhaar Card or Voter ID (address proof)
  • Latest 1 month salary slip
  • Latest 3 months bank statement
  • Passport size photograph

How to Apply

  • Online: sbicard.com → Cards → SimplyCLICK → Apply Now
  • SBI YONO app → Cards section → Apply for credit card
  • Nearest SBI branch with documents
  • Pre-approved offers check via YONO app for existing SBI account holders
  • Approval in 5–7 working days; instant approval for eligible SBI customers

Pros & Cons

Pros
  • Low annual fee, easily waived
  • Excellent for online shoppers - 10X on partner apps
  • No joining fee hassle for existing SBI customers (pre-approved)
  • Good entry-level card with solid rewards
Cons
  • Weak rewards on offline/in-store purchases
  • High forex mark-up makes it unsuitable for international use
  • Reward point value is lower compared to premium cards

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
3. ICICI Bank Amazon Pay Credit Card
ICICI Bank
Cashback Shopping
Annual Fee: Lifetime Free (No annual fee) No Joining Fee

Fees & Charges

Annual Fee
Nil - Lifetime Free
Interest Rate
3.75% per month (45% p.a.)
Cash Advance Fee
2.5%, min ₹300
Late Payment Fee
₹100–₹1,200 based on balance
Forex Mark-up
3.5% + GST
Fuel Surcharge
1% waiver on ₹4,000+ transactions

Key Features

  • Instant digital card issued - start using on Amazon immediately after approval
  • 5% cashback on Amazon.in for Amazon Prime members
  • 3% cashback on Amazon.in for non-Prime members
  • 2% cashback on Amazon Pay partner merchants (100+ brands)
  • 1% cashback on all other purchases anywhere
  • Cashback credited as Amazon Pay balance within 2 days
  • No minimum redemption threshold - cashback credited automatically
  • Fuel surcharge waiver (1% at all fuel stations)

Rewards & Cashback

  • 5% back on Amazon.in (Prime members)
  • 3% back on Amazon.in (non-Prime)
  • 2% back on 100+ Amazon Pay partner merchants including BigBasket, Uber, Swiggy, Ola
  • 1% on all other spends
  • All cashback automatically credited as Amazon Pay balance
  • No cap on cashback earning

Eligibility Criteria

CriteriaDetails
Age18 years and above
Minimum Income₹15,000/month (salaried) or as assessed
Credit Score700+ preferred
EmploymentSalaried or self-employed
ResidenceIndian resident with valid KYC

Documents Required

  • PAN Card
  • Aadhaar-linked mobile number (for OTP-based KYC)
  • Self-employed: latest ITR
  • Salaried: latest salary slip
  • No physical document submission needed for digital application

How to Apply

  • Apply on Amazon.in → Your Account → Amazon Pay → Apply for Credit Card
  • ICICI Bank website: icicibank.com → Credit Cards → Amazon Pay Card
  • Fully digital process - no branch visit required
  • iMobile Pay app (ICICI) for existing customers - instant approval
  • For new customers: approval in 2–3 working days after video KYC

Pros & Cons

Pros
  • Completely free - no annual or joining fee ever
  • Highest cashback rates for Amazon shoppers
  • Simple automatic cashback - no points to track or redeem
  • Digital-first - instant card for online use
Cons
  • Less useful if you don't shop on Amazon regularly
  • High monthly interest rate if balance is carried forward
  • Limited lounge or travel benefits

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
4. Axis Bank ACE Credit Card
Axis Bank
Cashback Fuel Lifestyle
Annual Fee: ₹499 + GST (waived on ₹2 lakh annual spend) Joining Fee: ₹499 + GST

Fees & Charges

Annual Fee
₹499 + GST (waived at ₹2L spend)
Interest Rate
3.6% per month (43.2% p.a.)
Cash Advance Fee
2.5%, min ₹500
Late Payment Fee
₹500–₹1,200 based on outstanding
Forex Mark-up
3.5% + GST
Lost Card Liability
Zero liability after reporting

Key Features

  • Flat 5% cashback on bill payments via Google Pay (electricity, gas, water, DTH, mobile recharge)
  • 4% cashback on Swiggy, Zomato, and Ola
  • 2% cashback on all other purchases including groceries and shopping
  • 4 complimentary domestic lounge visits per year (1 per quarter)
  • 1% fuel surcharge waiver at all HPCL petrol pumps
  • Welcome benefit: 500 EDGE Reward Points on first transaction within 30 days
  • Annual fee waiver on ₹2 lakh spend in the previous year

Rewards & Cashback

  • 5% back on utility bill payments via GPay - no cashback cap
  • 4% on food delivery and cab bookings (Swiggy, Zomato, Ola)
  • 2% unlimited cashback on all other spends
  • Cashback credited as EDGE Reward Points (1 EDGE = ₹1)
  • Redeem directly at checkout at 100+ merchants or against statement

Eligibility Criteria

CriteriaDetails
Age18–70 years
Minimum Income₹15,000/month (salaried)
Credit Score700+ preferred
EmploymentSalaried or self-employed
ResidenceIndian resident

Documents Required

  • PAN Card
  • Aadhaar Card or Passport (address proof)
  • Latest salary slip or Form 16
  • Last 3 months bank statement
  • Photograph

How to Apply

  • Online: axisbank.com → Cards → ACE Credit Card → Apply
  • Axis Mobile App → Cards → Credit Cards → Apply Now
  • Branch visit with documents
  • Approval within 7 working days
  • Video KYC option available for digital applications

Pros & Cons

Pros
  • Highest cashback rate on utility bills via GPay in its category
  • Good flat 2% on all other purchases - no category limits
  • Annual fee easily waived
  • Simple cashback - no complicated redemption
Cons
  • Fuel waiver only at HPCL - limited use for other pump users
  • Lounge access capped at 1 per quarter (4 per year)
  • Cashback capped at ₹500/month on the 5% category (review terms)

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
5. HDFC Bank Millennia Credit Card
HDFC Bank
Cashback Shopping Lifestyle
Annual Fee: ₹1,000 + GST (waived on ₹1 lakh annual spend) Joining Fee: ₹1,000 + GST

Fees & Charges

Annual Fee
₹1,000 + GST (waived at ₹1L spend)
Interest Rate
3.6% per month
Cash Advance Fee
2.5%, min ₹500
Late Payment Fee
₹100–₹1,300
Forex Mark-up
2% + GST
Lounge Access
Up to 8 domestic visits free/year

Key Features

  • Welcome benefit: ₹1,000 gift voucher (Amazon/Flipkart/Myntra) on 1st transaction
  • 5% cashback on Swiggy, Zomato, Amazon, Flipkart, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ via HDFC SmartBuy
  • 1% cashback on all other spends (minimum 1% capping applies)
  • Annual milestone: ₹1,000 gift voucher on ₹1 lakh annual spend
  • 8 complimentary domestic lounge access per year
  • EMI conversion on purchases above ₹10,000
  • Zero lost card liability on timely reporting

Rewards & Cashback

  • 5% cashback on 10 partner apps via SmartBuy portal
  • 1% cashback on all other spends (max ₹750/month)
  • Cashback credited as CashPoints (1 CashPoint = ₹1)
  • Redeem against statement, flights, hotels, and 100+ brands
  • No expiry on CashPoints

Eligibility Criteria

CriteriaDetails
Age21–40 years (target: young professionals)
Minimum Income₹35,000/month net salary
Credit Score730+ recommended
EmploymentSalaried employees at reputed organisations
ITRSelf-employed: minimum ₹6 lakh annual income

Documents Required

  • PAN Card
  • Aadhaar / Passport / Voter ID
  • Latest 3 months salary slip
  • Last 3 months bank statement
  • Passport photograph

How to Apply

  • HDFC Bank website: Apply online under Credit Cards
  • HDFC Mobile Banking app
  • Call HDFC credit card helpline: 1800 202 6161
  • Nearest HDFC Bank branch
  • Existing HDFC account holders: check pre-approved offers in NetBanking

Pros & Cons

Pros
  • Excellent cashback for urban young professionals
  • Strong partner network including food, OTT, and shopping
  • Lower forex fee than typical cards
  • Generous lounge access (8 visits) for the price point
Cons
  • Requires SmartBuy portal for maximum rewards - not automatic
  • 1% cashback on general spend is capped monthly
  • Higher income requirement than basic entry-level cards

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
6. Kotak 811 #DreamDifferent Credit Card
Kotak Mahindra Bank
Cashback Shopping
Annual Fee: Lifetime Free No Joining Fee

Fees & Charges

Annual Fee
Nil - Lifetime Free
FD Requirement
Minimum ₹10,000 FD with Kotak Bank
Interest Rate
3.5% per month (42% p.a.)
Cash Advance Fee
2.5%, min ₹300
Late Payment Fee
₹100–₹700 based on balance
Forex Mark-up
3.5% + GST

Key Features

  • Completely free - lifetime zero annual and joining fee
  • Issued against a Fixed Deposit (FD) - ideal for those building credit history
  • 2% cashback on weekend spends (Saturday & Sunday)
  • 1% cashback on all weekday purchases
  • 1% fuel surcharge waiver (up to ₹3,500/month)
  • Credit limit up to 90% of your FD amount
  • Auto-sweep FD continues to earn interest even while being collateral

Rewards & Cashback

  • 2% cashback on weekends (Saturday & Sunday)
  • 1% cashback on weekdays
  • Cashback credited to card statement monthly
  • No cap on cashback earned per month
  • No need to redeem - automatically adjusted

Eligibility Criteria

CriteriaDetails
Age18 years and above
FD RequirementActive Kotak 811 FD of ₹10,000 or more
Credit HistoryNo credit history required - good for beginners
EmploymentAny - salaried, self-employed, student, retired
KYCValid Aadhaar and PAN required

Documents Required

  • PAN Card
  • Aadhaar Card
  • Kotak 811 savings account with FD
  • No income proof required

How to Apply

  • Open Kotak 811 digital savings account via Kotak app
  • Book a Fixed Deposit of minimum ₹10,000 in Kotak 811
  • Apply for credit card within the app - no additional paperwork
  • Card issued instantly (digital card for online use); physical card in 5–7 days
  • Entire process is 100% digital and branch-free

Pros & Cons

Pros
  • No income proof needed - completely accessible
  • Ideal for first-time credit card users and students
  • Builds credit history safely with FD as security
  • FD continues to earn interest (5–7% p.a.) while serving as collateral
  • Weekend cashback is a nice bonus
Cons
  • Requires keeping an FD locked in Kotak Bank
  • Lower credit limit (90% of FD)
  • Limited rewards compared to standard income-based cards
  • High interest rate if balance is not cleared monthly

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
7. Axis Bank Magnus Credit Card
Axis Bank
Travel Premium Rewards
Annual Fee: ₹12,500 + GST Joining Fee: ₹12,500 + GST

Fees & Charges

Annual Fee
₹12,500 + GST
Interest Rate
3.6% per month
Cash Advance
2.5%, min ₹500
Late Payment
₹500–₹1,300
Forex Mark-up
Zero (0%)
Lounge (Dom.)
Unlimited domestic visits

Key Features

  • Welcome benefit: 25,000 EDGE Miles on payment of joining fee
  • Unlimited domestic airport lounge access
  • 8 international lounge visits per year via Priority Pass
  • 12 EDGE Miles per ₹200 on travel bookings (flights, hotels)
  • 6 EDGE Miles per ₹200 on dining and grocery spends
  • 3 EDGE Miles per ₹200 on all other purchases
  • Golf benefit: 1 complimentary golf game per month
  • Concierge service 24×7
  • Zero forex mark-up on international transactions
  • Annual renewal benefit: 25,000 EDGE Miles on spending ₹15 lakh/year

Rewards & Cashback

  • 12 EDGE Miles per ₹200 on travel
  • 6 EDGE Miles per ₹200 on dining and grocery
  • 3 EDGE Miles per ₹200 on everything else
  • 1 EDGE Mile = 2 Air Miles (transferred to 15+ airline and hotel partners)
  • Partners include Air India Flying Returns, IndiGo BluChip, Marriott Bonvoy, IHG, and more

Eligibility Criteria

CriteriaDetails
Age21–65 years
Min. Income₹2 lakh/month or above
Credit Score780+ strongly recommended
EmploymentSenior salaried professionals or high-income self-employed
Existing CardsExisting Axis credit card preferred for upgrade path

Documents Required

  • PAN Card
  • Passport (primary ID for premium card)
  • Latest 6 months salary slip or Form 16
  • Latest 6 months bank statement
  • ITR for last 2 years (self-employed)

How to Apply

  • Online at axisbank.com - Credit Cards - Magnus
  • Axis Mobile App for existing Axis customers
  • Dedicated Axis Bank Burgundy relationship manager for high-net-worth customers
  • Branch visit to Axis Bank with full documentation
  • Approval in 10–15 working days with manual underwriting

Pros & Cons

Pros
  • Zero forex mark-up - exceptional for international travellers
  • Unlimited domestic lounge access
  • Strong reward rate on travel categories
  • Golf, concierge, and lifestyle benefits befitting the fee
Cons
  • Very high annual fee - ROI requires heavy travel spend
  • Very high income requirement limits accessibility
  • Annual fee is not waivable

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
8. IndusInd Bank Platinum Credit Card
IndusInd Bank
Rewards Fuel Lifestyle
Annual Fee: ₹999 + GST (waived on ₹1.5 lakh annual spend) Joining Fee: ₹999 + GST

Fees & Charges

Annual Fee
₹999 + GST (waived at ₹1.5L spend)
Interest Rate
3.75% per month
Cash Advance
2.5%, min ₹300
Late Payment
₹250–₹1,200
Forex Mark-up
3.5% + GST
Add-on Cards
2 free add-on cards

Key Features

  • Welcome benefit: 2,500 reward points worth ₹625 on first transaction
  • Earn 1.5 reward points per ₹100 on all purchases
  • Earn 3X reward points on weekend spends (Saturday & Sunday)
  • 2 complimentary domestic lounge visits per quarter (8/year)
  • 1% fuel surcharge waiver at all petrol pumps (transactions ₹400–₹4,000)
  • Movie ticket offer: Buy 1, Get 1 on BookMyShow (2 tickets/month)
  • Golf benefit: 1 complimentary game per month at select courses
  • Dining discount: 15% off at partner restaurants via EazyDiner

Rewards & Cashback

  • 1.5 points per ₹100 on weekday purchases
  • 4.5 points per ₹100 on weekend purchases (3X)
  • Bonus points on milestone spends
  • 1 Reward Point = ₹0.25 redemption value
  • Redeem for flights, hotels, shopping, or statement credit

Eligibility Criteria

CriteriaDetails
Age21–65 years
Min. Income₹25,000/month (salaried)
Credit Score720+ recommended
EmploymentSalaried or self-employed
ResidenceIndian resident with Aadhaar and PAN

Documents Required

  • PAN Card
  • Aadhaar Card or Voter ID
  • Latest 3 months salary slips
  • 3 months bank statement
  • One passport photograph

How to Apply

  • Online at indusind.com → Cards → Platinum Credit Card
  • IndusMobile app for existing IndusInd customers
  • Call IndusInd helpline: 1860 267 7777
  • Visit any IndusInd Bank branch
  • Approval in 5–7 working days

Pros & Cons

Pros
  • Solid weekend bonus rewards structure
  • Good lifestyle perks (movies, dining, golf) for the fee
  • Annual fee waivable at moderate spend
  • Generous lounge access - 8 visits/year
Cons
  • Reward point value (₹0.25/point) is lower than premium cards
  • Base weekday earning rate is unremarkable
  • High monthly interest rate

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
9. RBL Bank ShopRite Credit Card
RBL Bank
Cashback Shopping Fuel
Annual Fee: Lifetime Free No Joining Fee

Fees & Charges

Annual Fee
Nil - Lifetime Free
Interest Rate
3.99% per month (47.88% p.a.)
Cash Advance
2.5%, min ₹500
Late Payment
₹100–₹1,200
Forex Mark-up
3.5% + GST
Grocery Cashback
5% (capped at ₹500/month)

Key Features

  • Lifetime free - zero annual or joining fee
  • 5% cashback on grocery spending at all grocery stores
  • 10X reward points on all online spends
  • 2X reward points on all other purchases
  • 1 reward point per ₹100 on fuel purchases
  • 1% fuel surcharge waiver on all petrol stations
  • Movie benefits: Buy 1 Get 1 free on BookMyShow (2 tickets/month)
  • Welcome bonus: 2,000 reward points on first spend within 30 days

Rewards & Cashback

  • 5% cashback on grocery stores (direct cashback)
  • 10X reward points on online purchases
  • 2X reward points on offline purchases
  • 1 Reward Point = ₹0.25
  • Points expire in 2 years - redeem via RBL rewards portal

Eligibility Criteria

CriteriaDetails
Age21–65 years
Min. Income₹15,000/month (salaried)
Credit Score700+ preferred
EmploymentSalaried or self-employed
PANMandatory - Aadhaar-linked preferred

Documents Required

  • PAN Card
  • Aadhaar Card
  • Latest salary slip (salaried)
  • ITR or bank statement (self-employed)
  • Passport photograph

How to Apply

  • Online at rblbank.com → Cards → ShopRite Credit Card
  • RBL MoBank app for existing RBL customers
  • Nearest RBL Bank branch
  • Approval in 3–5 working days
  • Digital card available immediately on approval for online shopping

Pros & Cons

Pros
  • Best free card for grocery shoppers - 5% cashback
  • No annual or joining fee, ever
  • Good online spending rewards
  • Movie benefit adds tangible monthly value
Cons
  • Grocery cashback capped at ₹500/month
  • Very high monthly interest rate if balance carried
  • Limited travel or lounge benefits
  • Reward points expire in 2 years

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs
10. Yes Bank Reserv Credit Card
Yes Bank
Travel Premium Rewards
Annual Fee: ₹1,999 + GST (waived on ₹4 lakh annual spend) Joining Fee: ₹1,999 + GST

Fees & Charges

Annual Fee
₹1,999 + GST (waived at ₹4L spend)
Interest Rate
3.5% per month
Cash Advance
2.5%, min ₹500
Late Payment
₹250–₹1,200
Forex Mark-up
2.75% + GST
Intl. Lounge
4 free visits/year (Priority Pass)

Key Features

  • Welcome benefit: 20,000 YES Points (worth ₹5,000) on card activation
  • 12 YES Points per ₹200 on travel bookings
  • 6 YES Points per ₹200 on dining, hotels, and international spends
  • 3 YES Points per ₹200 on all other spends
  • Unlimited domestic airport lounge access
  • 4 complimentary international lounge visits per year via Priority Pass
  • Golf: 1 complimentary game per month at 100+ courses
  • Yes Privileges: concierge service for travel, dining, and lifestyle
  • Zero liability on lost/stolen card
  • Annual spend milestone: 20,000 bonus YES Points at ₹4 lakh spend

Rewards & Cashback

  • 12 YES Points per ₹200 on flights, hotels, holiday bookings
  • 6 YES Points per ₹200 on dining, hotels, and international spends
  • 3 YES Points per ₹200 on all other retail spends
  • 1 YES Point ≈ ₹0.25 (₹0.35 when redeemed for air miles)
  • Transfer to 8+ airline and hotel partners
  • No expiry on YES Points as long as card is active

Eligibility Criteria

CriteriaDetails
Age21–60 years
Min. Income₹60,000/month (salaried)
Credit Score760+ recommended
EmploymentSenior salaried or self-employed professionals
BankingExisting Yes Bank relationship preferred

Documents Required

  • PAN Card
  • Aadhaar / Passport
  • Latest 3 months salary slips
  • Latest 6 months bank statement
  • Latest ITR (self-employed)

How to Apply

  • Online at yesbank.in → Credit Cards → Reserv → Apply Now
  • YES Pay app for existing Yes Bank customers
  • Yes Bank branch visit with documents
  • Relationship manager route for Yes Bank Priority customers
  • Approval in 7–10 working days

Pros & Cons

Pros
  • Unlimited domestic lounge access is exceptional for the fee
  • Strong welcome bonus offsets first-year fee
  • Good rewards on travel - ideal for frequent domestic travellers
  • Annual fee waivable at ₹4 lakh spend
Cons
  • High income requirement
  • Yes Bank's reputation and network smaller than HDFC/SBI
  • International lounge capped at 4 visits/year

How to apply: Visit the official bank website or mobile app and search for this card by name. Always apply directly - avoid third-party aggregator links to protect your data.

Have Questions? See FAQs

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Disclaimer: The information on this page is for informational purposes only. Credit card terms, fees, and rewards are subject to change by the issuing bank. Always visit the official bank website for the most current and accurate information before applying. MoneyHelper is not a bank or credit card issuer and does not process credit card applications.