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Credit Cards · India

YES Bank Premia Credit Card

Updated 15 Apr 2026Source-linked

The YES Bank Premia Credit Card is a premium credit card from YES Bank, with a joining fee of ₹2,499 + GST.

It earns up to 12% back on travel dining spends in the form of yes reward points (points).

Cardholders get 12 annual domestic + 4 annual international airport lounge access, plus amazon / flipkart voucher worth ₹2,500 as a welcome benefit.

YES Bank logo
YES Bank Premia Credit Card
Mastercard logo
  • Joining Fee₹2,499
  • Annual Fee₹2,499
  • Best Suited ForTravel
  • Reward TypeYES Reward Points (points)
Rewards Rate
  • 12% on travel dining
  • Base 0.50% on other spends
Welcome Benefits
  • Amazon / Flipkart voucher worth ₹2,500
YES Bank logoYESMastercard logoworldpremium
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Rewards and Benefits

Rewards Rate
12% on travel dining
Base 0.50% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon / Flipkart voucher worth ₹2,500
Milestone Rewards
N/A
Domestic Lounge Access
12 visits each annual.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.75%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by YES Bank.
  • Joining / annual fee of ₹2,499 + GST, waived on annual spends of ₹5,00,000.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (12/annual) + international (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹5,00,000 spend.
  • Low forex markup of 2.75% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Accelerated earn rate of 12% on travel dining.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • Amazon / Flipkart voucher worth ₹2,500
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 12% on travel dining

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
12 visit(s) / annual. Via mastercard, dreamfolks.
International
4 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
750+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagspremiumtraveldiningpoints