YES BANK SELECT Credit Card
8 RP/full ₹200 online or 4 offline; conditional flight value, 2,000 RP minimum. Standard ₹599+GST membership charge; one annual flight-claim provision.
Try your spend →How this estimate works
Ordinary eligible base-only conditional flight-booking value. The current issuer page gives 8 reward points per full ₹200 online ordinary spend, capped at 5,000 points per statement cycle, and 4 points per full ₹200 offline ordinary spend. The model counts one eligible transaction repeated monthly for twelve months. The 5,000-point cap is the page footnote attached to online earn, not an invented offline cap. Groceries, utilities, cable subscriptions, fuel, rent, wallets, government, advertising, insurance, education, railways, toll/ferry, jewellery, cash and EMI routes are omitted. The linked current redemption rules give ₹0.25 per point toward flights or hotels, not cash. A single annual flight claim needs at least 2,000 earned points and uses at most 1,00,000 points, the monthly redemption limit. One ₹100+GST redemption charge and one ₹99+GST flight convenience charge are provisioned when worthwhile. Points cover at most 70% of a flight invoice; you pay the balance. With no invoice supplied, this is conditional on a large enough qualifying flight booking, not guaranteed savings or cashback. Cash and gift-voucher alternatives are ₹0.10 per point with a 50% available-points balance cap and are not scored. Points expire after 36 months. The estimate deducts one standard ₹599+18% GST membership charge; the issuer gives this fee in both the first and renewal years. The first-year waiver needs ₹10,000 retail spend within one month of setup, and the renewal waiver needs ₹1 lakh eligible retail spend in the preceding twelve months; neither is inferred from this repeated-spend scenario. Welcome, milestone, subscription, movie/coffee, golf, lounge, fuel and other extras are omitted. Confirm actual eligible transactions and final booking charges.
The minimum matters
At ₹4,000 per month online, twelve months earn 1,920 points: below the redemption minimum. At ₹4,200 per month online, 2,016 points are worth ₹504 toward a qualifying flight; after ₹234.82 in claim charges and ₹706.82 membership fee, the conditional first-year net is negative ₹437.64. Offline base earn is half the online rate. This is not cashback.
Issuer sources
Named card: ordinary earn, exclusions and fees · Linked current redemption rules
Checked 30 September 2026. Base earn only. Travel-only value, not cash. 70% invoice cap and monthly point cap apply; alternate cash/voucher 50% balance cap disclosed, not scored.