YES Bank Cashback Plus Credit Card 2025
Save over ₹25,000+ every year with highest cashback rates!
Best cashback card for all spends! YES Cashback Plus gives 5% on online shopping, 2% on all offline, 5% on Swiggy/Zomato, and 16 lounge visits - with easy ₹1,999 fee waiver.
Highest cashback rates in India!
Why This Is Best Cashback Card in 2025?
5% online shopping • 2% all offline • 5% Swiggy/Zomato • 16 lounge visits • ₹1,999 fee waiver on ₹1.5L
Best for: All-round spenders, online shoppers, foodies
Card At a Glance
₹1,999 + GST
₹1,999 + GST (Waived on ₹1.5L)
5% Online | 2% Offline
16 visits/year
₹1.5 Lakh spend
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,999 + GST |
| Annual Fee | ₹1,999 + GST (Waived on ₹1.5L spend) |
| Cashback | Direct statement credit |
| Forex Markup | 2% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹250/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5% cashback on online shopping (Amazon, Flipkart, etc.)
- 2% cashback on all offline spends
- 5% cashback on Swiggy, Zomato, Ola
- No monthly cap on cashback
- Cashback credited as statement credit
- Excludes: wallet loads, rent, education, jewellery
Airport Lounge Access
16 complimentary domestic lounge visits per year
4 visits per quarter
No minimum spend required
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- 2% low forex markup
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% online + 2% offline cashback | Excludes wallet/rent/education |
| Easy ₹1.5L fee waiver | ₹1,999 joining fee |
| 16 lounge visits/year | 2% forex (not zero) |
| Direct statement credit | No welcome benefits |
| 5% on Swiggy/Zomato/Ola | Quarterly lounge limit |
| No cashback cap |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit YES Bank website and select Cashback Plus
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Highest cashback rates! 5% online + 2% offline = ₹24,000+ yearly cashback on ₹1L monthly spend + 16 lounges. Best all-round cashback card!
Frequently Asked Questions (FAQs)
5% on which online sites?
All online shopping: Amazon, Flipkart, Myntra, Swiggy, etc.
2% on all offline?
Yes! Every offline spend gets 2% direct cashback.
Easy fee waiver?
Yes! Just ₹1.5 Lakh annual spend waives ₹1,999 fee.
Cashback cap?
No cap! Unlimited 5% online + 2% offline cashback.
16 lounge visits?
Yes! 4 per quarter, no spend requirement.