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YES Bank SimplySAVE credit card

YES Bank

YES Bank SimplySAVE Credit Card

Entry-level Visa with rewards and fuel surcharge waiver

₹500/yr annual fee · 2x rewards

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Reviewed 26 September 2026

  • Best for

    • First-time cardholder
    • Entry-level Visa user
    • Dining spender

  • What we like

    • 2x rewards on dining and entertainment
    • Low ₹50,000 waiver threshold
    • Fuel surcharge waiver

  • Watch out for

    • ₹500 non-waiver joining fee
    • Only 1x on retail (low earn rate)
    • Standard 3.5% forex markup

Annual fee

₹500/yr

Reward rate

2x

Min. income

₹2,50,000

Forex markup

3.5%

Lounge access

None

Eligibility

₹2.50 lakh/yr · CIBIL 700+

Reward cap

Not explicitly stated

Welcome benefit

₹500 voucher on annual spends ≥ ₹50,000; ₹2,000 voucher on ≥ ₹1,50,000.

YES Bank SimplySAVE Credit Card review: entry-level Visa with high rewards on dining, fuel surcharge waiver, plus milestone vouchers for first-time cardholders.

Who is this for

  • First-time cardholder
  • Entry-level Visa user
  • Dining spender

What we like

  • 2x rewards on dining and entertainment
  • Low ₹50,000 waiver threshold
  • Fuel surcharge waiver

Watch out for

  • ₹500 non-waiver joining fee
  • Only 1x on retail (low earn rate)
  • Standard 3.5% forex markup

Issuer

Bank

YES Bank

Private sector bank

All YES Bank cards →

Headquarters

Mumbai, Maharashtra

Established 2004

Toll-free

1800-1200

Website

www.yesbank.in

Network

Visa

See all cards on this network

YES Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Waived on annual spends ≥ ₹50,000
Renewal fee ₹500 Waived on annual spends ≥ ₹50,000
Forex markup 3.5% Not waivable
Late payment ₹750 Not waivable
Cash advance 2.5% of amount Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹100/month)

Rewards

Spend category Rate Cap Redemption
DINING 2 Reward Points per ₹100 on dining and entertainment; 1 Reward Point per ₹100 on retail; 0.5 Reward Point per ₹100 on… Not explicitly stated Redeemable via YES rewards portal
All spends 1.00 Not explicitly stated 0.25
SHOPPING 1.00 — 0.25

Benefits

  • 2x Rewards on Dining Highlight

    2 Reward Points per ₹100 on dining and entertainment spend.

  • Fuel Surcharge Waiver

    1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹100/month).

  • Milestone Vouchers

    ₹500 voucher on annual spends ≥ ₹50,000; ₹2,000 voucher on ≥ ₹1,50,000.

  • Welcome Voucher

    ₹500 voucher on payment of joining fee.

Eligibility

Age
21–60 years
Min. income
₹2,50,000
Min. credit score
700+
Score note
Decent credit card required
Employment
Salaried, self-employed
Documents
PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed

YES Bank SimplySAVE Credit Card is the entry-level Visa tier. It targets first-time cardholders with rewards on dining and milestone vouchers.

Fees and rewards

  • Joining fee: ₹500 (non-waiver)
  • Annual fee: ₹500, waived on annual spends ≥ ₹50,000
  • Rewards: 2 Reward Points per ₹100 on dining; 1 Reward Point per ₹100 on retail
  • Forex markup: 3.50%

Benefits

  • 2x rewards on dining and entertainment
  • ₹500 welcome voucher on joining fee payment
  • ₹500 milestone voucher on ₹50,000 spend; ₹2,000 on ₹1,50,000
  • 1% fuel surcharge waiver (max ₹100/month)

Eligibility

Minimum annual income ₹2,50,000 (salaried) / ITR-based for self-employed. Decent credit score required.

Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.

Step-by-step application guide: Read the YES Bank SimplySAVE Credit Card apply walkthrough →

Apply for YES Bank SimplySAVE Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the YES Bank SimplySAVE Credit Card worth it?
YES Bank SimplySAVE Credit Card is a credit card issued by YES Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the YES Bank SimplySAVE Credit Card?
YES Bank SimplySAVE Credit Card charges ₹500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the YES Bank SimplySAVE Credit Card reward rate work?
YES Bank SimplySAVE Credit Card earns 2x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.

What are the eligibility requirements for the YES Bank SimplySAVE Credit Card?
To qualify for YES Bank SimplySAVE Credit Card, you typically need: minimum annual income ₹2,50,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the YES Bank SimplySAVE Credit Card offer airport lounge access?
YES Bank SimplySAVE Credit Card does not publish complimentary airport lounge access as a benefit.

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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