"YES Bank's flagship premium card โ 4.5% value back on online spends, unlimited lounge access for primary and add-on, 36 free movies annually and 12 golf rounds"
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Quick Summary
๐ณ Joining Fee
โน9,999 + GST
๐ Renewal Fee
โน9,999 + GST
Waived: Renewal benefit: โน5,000 YES Rewardz points on renewal annually partially offsets fee; no formal spend-based annual fee waiver
๐ฏ Best Suited For
High-income YES Bank customers who spend heavily online; those wanting unlimited lounge access for family (primary and add-on) and can maximize 36 free movie tickets and 12 golf rounds annually
๐ Reward Type
YES Rewardz Points (1 RP = โน0.25 for most; transferable to airline partners; RPs never expire)
๐ Welcome Benefit
ETPrime subscription worth โน3,199 on joining; โน5,000 in YES Rewardz points on renewal each year
๐ฐ Reward Rate
18 YES Rewardz Points per โน200 on online spends (4.5% effective rate) โ no category restrictions on online; 10 Rewardz Points per โน200 on other eligible spends (2.5%) including recharge, utility and insurance; Rewardz Points never expire
โ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access for primary AND add-on cardholders โ 24 domestic lounge accesses per year per person; unlimited international lounge access via Priority Pass for primary cardholder; 12 international accesses per year for add-on cardholders
๐ฑ Forex Markup
1% on international transactions โ among the lowest for premium cards in India
4.5% value back on ALL online spends โ best in class online reward rate
Unlimited domestic lounge access for primary AND add-on cardholders โ rare premium perk
36 free movies per year (โน28,800 plus value)
1% forex markup โ among India's lowest for any premium card
Fuel waiver cap โน12,000 per year โ exceptional
12 golf rounds per year
YES Rewardz Points never expire
โ Cons
High annual fee โน9,999
YES Bank underwent reconstruction in 2020 โ bank is stable now but verify current status before applying
Redemption value 0.25 per RP for cash is average
High income requirement โน3L per month
Limited acceptance and branch network compared to HDFC and ICICI
๐ Rewards & Benefits
Reward Type
YES Rewardz Points (1 RP = โน0.25 for most; transferable to airline partners; RPs never expire)
Welcome Benefits
ETPrime subscription worth โน3,199 on joining; โน5,000 in YES Rewardz points on renewal each year
Reward Rate
18 YES Rewardz Points per โน200 on online spends (4.5% effective rate) โ no category restrictions on online; 10 Rewardz Points per โน200 on other eligible spends (2.5%) including recharge, utility and insurance; Rewardz Points never expire
Reward Redemption
YES Rewardz portal: 1 RP = โน0.25 for most; Taj Experiences and travel vouchers at higher value; airline partner transfers; merchandise; statement credit
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โน400 to โน5,000; maximum โน1,000 per month (โน12,000 per year โ very high cap)
Lounge Access
Unlimited complimentary domestic airport lounge access for primary AND add-on cardholders โ 24 domestic lounge accesses per year per person; unlimited international lounge access via Priority Pass for primary cardholder; 12 international accesses per year for add-on cardholders
Spend Based Fee Waiver
No formal spend-based fee waiver; โน5,000 renewal Rewardz partially offsets
Milestone Benefits
36 complimentary movie tickets per year (3 per month) via BookMyShow worth โน28,800 plus; 12 complimentary golf rounds or lessons per year; โน5,000 YES Rewardz on annual renewal
Other Benefits
Complimentary Oberoi Hotel membership benefits; 24x7 premium concierge; air accident cover โน3 crore; emergency medical โน1 crore overseas; comprehensive travel insurance; 12 golf rounds and lessons at premier Indian and international courses; Mastercard World benefits
โจ Special Perks & Exclusive Offers
Memberships
Priority Pass (unlimited international for primary; 12 visits for add-on)
Insurance Cover
Air accident cover โน3 crore; emergency medical overseas โน1 crore; comprehensive travel insurance; zero card liability
Add-on Cards
Premium add-on cards with lounge access (24 domestic plus 12 international per year)
Unlimited domestic lounge for primary and add-on (rare premium perk); 36 free movies per year; 12 golf rounds; 1% forex markup; โน5,000 annual renewal credit
๐ณ Fees & Interest Rates
Joining Fee
โน9,999 + GST
Annual Fee / Renewal Fee
โน9,999 + GST โ Waived on: Renewal benefit: โน5,000 YES Rewardz points on renewal annually partially offsets fee; no formal spend-based annual fee waiver
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
As per YES Bank prevailing slab
Over Limit Charges
As per YES Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1% on international transactions โ among the lowest for premium cards in India
Other Charges
High joining and annual fee โน9,999; YES Bank underwent reconstruction in 2020 โ bank is now stable; verify current card portfolio and any operational changes before applying
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21+ years; net monthly income โน3 lakh or more or annual ITR โน36 lakh; Indian resident; strong credit history; YES Bank customer preferred
Credit Score Requirement
760+ CIBIL recommended
Credit Limit
High credit limit โ typically โน5 lakh and above
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Available on transactions above โน5,000; flexible tenures
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per YES Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via YES Mobile app or customer care
Instant Fraud Alerts
Real-time alerts; dedicated fraud monitoring
Purchase Protection
Comprehensive protection; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting
๐ Customer Service & Digital Experience
Phone Support
1800-1200-000 (toll-free, 24x7)
Chat / Email Support
Chat via YES Bank website and YES Mobile app
Mobile App
YES Mobile app: manage card, track Rewardz, pay bills, EMI
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