YES Private Credit Card
Verified · August 27, 2026
5.0/5.0
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 16 Reward Points per ₹200 (16 YES Private Reward Points per ₹200 on all domestic retail spends)
Overview
YES Private Credit Card by YES Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 16 Reward Points per ₹200 (16 YES Private Reward Points per ₹200 on all domestic retail spends)
- • 32 Reward Points per ₹200 (32 YES Private Reward Points per ₹200 on international and luxury merchant spends)
- • Accelerated Rewards: Double reward points on all international spends
- • 10X points on partner luxury travel portals and charter flights
- • Excluded Categories: Fuel purchases
- • Government payments
Welcome Benefit
Complimentary Taj Epicure Preferred Membership + Accor Plus Explorer Membership + 1,00,000 Bonus YES Rewardz Points on card activation.; Qualification Criteria: By invitation only & payment of joining fee; Fulfillment Timeline: Memberships and points activated within 15 days of card dispatch
Milestone Benefit
Spend ₹10 Lakhs (Annual): 50,000 bonus Reward Points on achieving ₹10 Lakhs spend; Spend ₹20 Lakhs (Annual): 1,00,000 additional bonus Reward Points + luxury stay voucher upon achieving ₹20 Lakhs spend; Annual Fee Waiver: Spend ₹25,00,000 in preceding year for annual fee waiver or bespoke Private Banking relationship balance
Redemption
- • 1:1 transfer ratio to leading global frequent flyer airline partners (Singapore Airlines KrisFlyer, British Airways Executive Club, Emirates Skywards, Club Vistara)
- • Luxury hotel stays across Taj, Oberoi, Marriott Bonvoy, and Accor properties
- • Direct cash conversion statement credit at 1 RP = ₹0.50
Benefits
- Domestic Airport Lounge: Unlimited Unlimited domestic lounge visits with complimentary guest access via Mastercard World Elite Lounge Program (Guest Access: Complimentary for up to 2 accompanying guests per visit)
- International Airport Lounge: Unlimited Unlimited international airport lounge visits worldwide via Priority Pass / LoungeKey (Guest Access: Complimentary for accompanying guests)
- Fuel Surcharge Waiver: 1% (Max waiver ₹1500 per month) on fuel transactions between ₹400 and ₹5000
- Taj Epicure & Accor Plus Elite Memberships: Complimentary elite memberships providing 25% discount on food & beverages across all Taj hotels and Accor properties, complimentary room upgrade vouchers, and free night stay certificates. (Taj Epicure Preferred membership
- Accor Plus Explorer tier with free night award) [Partners: Indian Hotels Company Limited (Taj), AccorHotels Group]
- 24x7 Bespoke Global Lifestyle Concierge: Dedicated personal lifestyle manager for private jet charters, luxury yacht bookings, Michelin-star table reservations, and VIP event access worldwide. (Dedicated private relationship manager
- VIP airport fast-track meet and greet) [Partners: Quintessentially / Mastercard World Elite Concierge]
- Unlimited Complimentary Global Golf Access: Unlimited complimentary golf games and coaching lessons at elite golf courses in India and across 30+ countries globally. (Unlimited green fee access for primary cardholder
- Complimentary guest play passes) [Partners: World Elite Golf Network]
- Ultra-Low 1% Foreign Currency Markup: Lowest foreign exchange markup in India at only 1.00% on all cross-border overseas purchases and foreign currency transactions. (1.0% forex fee
- Zero cross-border processing surcharges) [Partners: YES Private Global Network]
Things to Know Before you apply
YES Private Credit Card Eligibility Criteria
- Age: 21–70 years
- Strictly by invitation only for YES Private Wealth Clients ($1M+ Relationship Value)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹50,000 |
| Annual Fee | ₹50,000 |
| Foreign Currency Mark-up Fee | 1% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Spend ₹25,00,000 in preceding year for annual fee waiver or bespoke Private Banking relationship balance
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
YES Private Credit Card issued by YES Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 16 Reward Points per ₹200 (16 YES Private Reward Points per ₹200 on all domestic retail spends)
- • 32 Reward Points per ₹200 (32 YES Private Reward Points per ₹200 on international and luxury merchant spends)
- • Forex markup rate of 1%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹50000
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹50,000
Annual/Renewal Fee
₹50,000
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • Complimentary Taj Epicure Preferred Membership + Accor Plus Explorer Membership + 1,00,000 Bonus YES Rewardz Points on card activation.
- • Qualification Criteria: By invitation only & payment of joining fee
- • Fulfillment Timeline: Memberships and points activated within 15 days of card dispatch
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
Reward/Cashback Rate
- • Base Rewards: 16 Reward Points per ₹200 (16 YES Private Reward Points per ₹200 on all domestic retail spends)
- • 32 Reward Points per ₹200 (32 YES Private Reward Points per ₹200 on international and luxury merchant spends)
- • Accelerated Rewards: Double reward points on all international spends
- • 10X points on partner luxury travel portals and charter flights
- • Excluded Categories: Fuel purchases
- • Government payments
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
Pros
- • Base Rewards: 16 Reward Points per ₹200 (16 YES Private Reward Points per ₹200 on all domestic retail spends)
- • 32 Reward Points per ₹200 (32 YES Private Reward Points per ₹200 on international and luxury merchant spends)
- • Forex markup rate of 1%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
Cons
- • Annual renewal fee of ₹50000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified