Yes Private/Private Prime Credit Card

8.8

Expert ScoreRead review

Welcome gift of 25,000 Reward Points on the first transaction on Yes Private Credit Card.
Milestone benefit of 10,000 Reward Points on total spends of Rs. 10 lakh in the first 90 days of card issuance.
24 Reward Points per Rs. 200 on international spends.
16 Reward Points per Rs. 200 on domestic spends.
Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.75% for others.
Lower mark-up fee of 1.75% on all foreign currency transactions.
Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
Complimentary Lounge Key membership for both primary and add-on card members.
Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
Air travel-related insurance benefits including an accidental death cover worth Rs. 5 crores.
Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
Complimentary wellness and medical benefits.
Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

YES Bank

Category: Credit Cards

Reward Type

Reward Points

Renewal Fee

Rs. 10,000 (plus applicable taxes) for both Private and Private Prime Credit Cards

Joining Fee

Rs. 50,000 (plus applicable taxes) for Yes Private Credit Card and Rs. 20,000 (plus applicable taxes) for Yes Private Prime Credit Card

Type of Card

Reward

Welcome Benefits

Upon successful first transaction made using this credit card, you will get up to 25,000 Reward Points.

USP of Card

Welcome gift of 25,000 Reward Points on the first transaction on Yes Private Credit Card.
Milestone benefit of 10,000 Reward Points on total spends of Rs. 10 lakh in the first 90 days of card issuance.
24 Reward Points per Rs. 200 on international spends.
16 Reward Points per Rs. 200 on domestic spends.
Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.75% for others.
Lower mark-up fee of 1.75% on all foreign currency transactions.
Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
Complimentary Lounge Key membership for both primary and add-on card members.
Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
Air travel-related insurance benefits including an accidental death cover worth Rs. 5 crores.
Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
Complimentary wellness and medical benefits.
Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

Fees & Charges

Spend Based Waiver

Renewal fee waived off on spends of Rs. 25,00,000 (for Yes Private Credit Card) or Rs. 20,00,000 (for Yes Private Prime Credit Card) in the preceding year

Interest Rates

1.2% per month (14.4% annually) for Yes Bank savings/salary account holders, 1.75% per month (or 21% annually) for others.

Cash Advance Charges

1.75% (plus applicable taxes)

Rewards Redemption Fee

Nil

Fuel Surcharge

Waived off on transactions between Rs. 400 and Rs. 5,000

Foreign Currency Markup

NIL (Interests charges applicable)

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

While booking movie tickets through BookMyShow, you will get Buy One Get One offer (up to 4 free tickets per month)

Reward Redemption

Reward Points can be redeemed on the YesRewardz portal for flight/hotel/movie ticket bookings and against products and vouchers in the bank's catalogue. (

Zero Liability Protection

Zero liability of cardholder against any deceitful transaction in case of loss or theft of card if the same is reported to the bank within a specified time frame.

Rewards Rate

24 Reward Points for every Rs. 200 spent on international spends, 16 Reward Points for every Rs. 200 spent on domestic spends.

Travel

Complimentary access to domestic and international airport lounges, travel privileges including cruise program, car rentals, vacation packages, car rentals, e-gift vouchers from Oberoi hotels

Online Shopping offers

Insurance Benefits

Air accident cover worth Rs. 5 crores, emergency overseas hospitalization cover worth Rs. 1 crore and Credit Shield cover worth Rs. 15 lakh

Domestic Lounge Access

Unlimited domestic lounge access with MasterCard Lounge Program for primary and add-on cardmembers (guest visits limited to 10 per year)

International Lounge Access

Unlimited international lounge access to primary and add-on cardmembers with Lounge Key (guest visits limited to 10 per year)

8.8Expert Score

Welcome gift of 25,000 Reward Points on the first transaction on Yes Private Credit Card.
Milestone benefit of 10,000 Reward Points on total spends of Rs. 10 lakh in the first 90 days of card issuance.
24 Reward Points per Rs. 200 on international spends.
16 Reward Points per Rs. 200 on domestic spends.
Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.75% for others.
Lower mark-up fee of 1.75% on all foreign currency transactions.
Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
Complimentary Lounge Key membership for both primary and add-on card members.
Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
Air travel-related insurance benefits including an accidental death cover worth Rs. 5 crores.
Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
Complimentary wellness and medical benefits.
Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

Best values score

8.8

8.8Expert Score

Welcome gift of 25,000 Reward Points on the first transaction on Yes Private Credit Card.
Milestone benefit of 10,000 Reward Points on total spends of Rs. 10 lakh in the first 90 days of card issuance.
24 Reward Points per Rs. 200 on international spends.
16 Reward Points per Rs. 200 on domestic spends.
Lower interest rate of 1.2% p.m (for Yes Bank account holders) and 1.75% for others.
Lower mark-up fee of 1.75% on all foreign currency transactions.
Unlimited domestic lounge visits for primary and add-on cardholders (10 complimentary guest visits per year).
Complimentary Lounge Key membership for both primary and add-on card members.
Many other travel benefits including a cruise program, car rentals, vacation package, Oberoi gift vouchers, etc.
Air travel-related insurance benefits including an accidental death cover worth Rs. 5 crores.
Credit Shield cover worth Rs. 15 lakh in case of accidental death of the primary cardholder.
Golf benefits including 12 rounds of complimentary green fees for a year (maximum of 3 rounds per calendar quarter).
12 complimentary golf lessons every year with a max cap of 3 lessons per calendar quarter.
Complimentary wellness and medical benefits.
Fuel surcharge waived off at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

Best values score

8.8

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Yes Private/Private Prime Credit Card