YES Bank YES Private Credit Card
The YES Bank YES Private Credit Card is a super premium credit card from YES Bank, with a joining fee of ₹10,000 + GST.
It earns up to 40 pts per ₹200 (≈4.0% value) on international shopping spends in the form of yes rewardz points (points).
Cardholders get unlimited annual international airport lounge access, plus 2,00,000 yes rewardz points as joining benefit as a welcome benefit.
- Joining Fee₹50,000
- Annual Fee₹10,000
- Best Suited ForLifestyle & travel
- Reward TypeYES Rewardz Points (points)
- 40 pts per ₹200 on international shopping
- Base 2.00% on other spends
- 2,00,000 YES Rewardz Points as joining benefit
YESworldsuper premiumRewards and Benefits
- Purchase Protection Plan — Purchase Protection Plan covering eligible purchases
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.0% = ₹300/mo
- Groceries₹8,000 · 2.0% = ₹160/mo
- Dining & food delivery₹8,000 · 2.0% = ₹160/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.0% = ₹200/mo
- Utilities & bills₹5,000 · 2.0% = ₹100/mo
₹11,040 rewards − ₹10,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- super premium card issued by YES Bank.
- Joining / annual fee of ₹10,000 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: international (unlimited/annual).
Pros & Cons
- Strong base reward rate of 2.00%.
- Low forex markup of 0.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈4.0% on international shopping.
- High annual fee of ₹10,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
- Invite-only — limited availability.
₹50,000 welcome benefit
- 2,00,000 YES Rewardz Points as joining benefitJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 40 pts per ₹200 on international shopping40 YES Rewardz per ₹200 on international shopping; 20 per ₹200 on domestic shopping (base).
- No cap on the 40 RP/₹200 international accelerated points on the YES Private product page (Key Features, retrieved 2026-07-05); the MITC is served via a non-extractable JS viewer so a buried cap cannot be fully ruled out. Confidence medium.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Other benefits
- Purchase Protection Plan. Purchase Protection Plan covering eligible purchases
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 750+
- Income (salaried)
- —
- Income (self-employed)
- —