YES Bank YES Private Credit Card
Updated 3 Jul 2026Source-linked
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.
YES Bank YES Private Credit Card
- Joining Fee₹50,000
- Annual Fee₹10,000
- Best Suited ForLifestyle & travel
- Reward TypeYES Rewardz Points (points)
Rewards Rate
- 40 pts per ₹200 on international shopping
- Base 2.00% on other spends
Welcome Benefits
- 2,00,000 YES Rewardz Points as joining benefit
YESworldsuper premiumRewards and Benefits
Rewards Rate
40 pts per ₹200 on international shopping
Base 2.00% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
2,00,000 YES Rewardz Points as joining benefit
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
BOGO on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Purchase Protection Plan — Purchase Protection Plan covering eligible purchases
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- 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.
Cons
- 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).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
International
Unlimited visit(s) / annual. Via priority-pass. Guests: 1.
Other benefits
- Purchase Protection Plan. Purchase Protection Plan covering eligible purchases
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 750+
- Income (salaried)
- —
- Income (self-employed)
- —