Yes Private
92/100
·
₹10,000/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
YES Bank
Yes Private
VISA
SUPER PREMIUM
Super premium
VISA
Top Rated
Yes Private
by YES Bank · Data verified 2 days ago
Ultra-premium card with 15,000 welcome points and unlimited lounges
92
Score
Based on rewards, fees, benefits & eligibility
₹10K
Fee
Waiver available on spending
20
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
20 RP Earn
base reward rate
999 per year Lounges
complimentary
₹10,000/yr
waiver available
92/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹10,000
Net Annual Value
You save per year!
What's Great
- Ultra-low 0.50% foreign currency markup on all international spends
- Unlimited domestic and international airport lounge access with 1 complimentary guest visit per entry
- 20 Reward Points per ₹200 on domestic retail spends (2.5% return value)
- 40 Reward Points per ₹200 on international transactions (5.0% return value)
- Dedicated 24/7 private concierge desk and zero liability on lost card
- Complimentary golf rounds and golf lessons at select golf clubs across India
- Annual fee waiver on spending ₹25,00,000 in the anniversary year
Things to Consider
- Strictly by invitation only — requires high relationship value or ₹20 Lakh+ FD for NRIs
- High joining fee of ₹50,000 + GST
- High annual renewal fee waiver threshold of ₹25,00,000 spend
- Annual fee of ₹10,000 + GST starting second year
- Reward points expire after 3 years
Perfect For
Frequent travelers
Premium lifestyle
About This Card
Ultra-premium card with 15,000 welcome points and unlimited lounges
Annual Fee
₹10,000
Waiver
Reversed on spends of ₹25,00,000 within 12 months prior to renewal
Joining Fee
₹50,000
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.49% - 2.49%
Foreign Transaction Fee
Markup on international txns
0.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹5,000/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
Waived (₹0)
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹20,000
₹900
>₹20,000
₹1,000
Reward Points Validity
How long your earned points remain valid
3 years from date of earning
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
20
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Oberoi E-Gift Vouchers worth INR 9,000 upon fee realization
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel BONUS | 20 pts/₹100 | 40 RP per ₹200 on international spends (20/₹100) |
| Shopping | 10 pts/₹100 | 20 RP per ₹200 on domestic spends (10/₹100) |
| Dining | 10 pts/₹100 | 20 RP per ₹200 on domestic dining (10/₹100) |
| Fuel | — | No rewards on fuel |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹0 + GST per request
Domestic Lounges
999 per year
Int'l Lounges
999 per year
Travel Insurance
₹50L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹5,000/mo
Purchase Protection
₹0 cover
Lost Card Cover
₹0
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •20X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •Unlimited domestic and international airport lounge access
- •Low forex markup of 0.5% on international transactions
- •Complimentary travel insurance coverage
- •1% fuel surcharge waiver
- •24/7 concierge service
- •Complimentary golf sessions at select courses
Reward Exclusions
- ✕ Rental transactions
- ✕ Wallet transactions
- ✕ Fuel transactions
- ✕ Cash withdrawals
- ✕ Post Purchase EMI transactions
- ✕ Instant EMI transactions
Special Offers & Features
- •NRE/NRO Fixed Deposit of ₹20 Lakhs or more required for NRI eligibility
- •Customer must authorize debit of NRE/NRO savings account for total amount due
- •Not eligible if already holding any YES BANK Credit Card
- •Rental & Wallet charges: Min 1% of transaction (or ₹1, whichever higher) on transactions >₹1
- •Education fee: 1% + GST via third-party apps, capped at ₹5,000/month
- •Utility charges: 1% + GST if cumulative spends exceed ₹1,00,000 in previous month (cap ₹5,000/txn)
- •₹9,000 Oberoi E-Gift Voucher on card setup and annual renewal
- •1% fee + applicable GST on fuel transactions >₹10,000, capped at ₹5,000/month
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12, 18 months
- •Interest rate: 13-24% p.a.
Reward Transfer Partners
Maharaja Club
Ratio: 8:1
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
92
out of 100
CardSahayak Score
"Apply Now" takes you to YES Bank's official website.
Eligibility
Salaried
₹1,800,000/mo
Self-Employed
₹2,700,000/mo
Age
21-60 yrs
CIBIL
780+
Employment
Salaried, Self-employed
Card Variant
YES Private NRI Credit Card
Scores
Rewards
72/100
Fees
90/100
Benefits
84/100
Access
50/100
3 Active Offers
Deals & Offers
Exclusive offers available on Yes Private
EaseMyTrip
Travel seamlessly across India with airfare savings from YES Bank and EaseMyTrip. Enjoy a flat 12% instant discount up to ₹1,800 on bookings of ₹5,000 and above.Use promo code EMTYES on checkout for instant price cuts.
12
Till 31 Dec 2026
EMTYES
travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the EaseMyTrip app or visit easemytrip.com.
Step 2: Choose domestic flight tickets with total fare ₹5,000+.
Step 3: On the payment summary page, apply coupon code EMTYES.
Step 4: Pay with your YES Bank Credit Card to reduce your fare by up to ₹1,800 immediately.
Step 2: Choose domestic flight tickets with total fare ₹5,000+.
Step 3: On the payment summary page, apply coupon code EMTYES.
Step 4: Pay with your YES Bank Credit Card to reduce your fare by up to ₹1,800 immediately.
Terms & Conditions
Valid on domestic flight bookings across India on EaseMyTrip platforms. Minimum booking amount is ₹5,000. Maximum instant discount is capped at ₹1,800. Valid once per card per month.
Use Code:
EMTYES
Visit Offer
Swiggy Instamart: 15% Instant Discount (up to ₹100)
15
Till 31 Dec 2026
YESCCINSTA
Discount
15
Min Spend
499
Valid Until
31 Dec 2026
How to Avail
Apply promo code YESCCINSTA at checkout on Swiggy Instamart with YES Bank credit card.
Use Code:
YESCCINSTA
Reliance Digital
Save big on the latest gadgets and appliances at Reliance Digital with your YES Bank Credit Card. Enjoy flat 7.5% instant discount up to ₹3,500 on transactions of ₹15,000 and above.
7.5
Till 31 Dec 2026
electronics
Discount
Flat 7.5% up to ₹3,500
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit any Reliance Digital retail store or reliancedigital.in.
Step 2: Select eligible smartphones, laptops, audio systems, or home appliances worth ₹15,000+.
Step 3: Select YES Bank Credit Card Instant Discount at checkout.
Step 4: Instant discount of 7.5% up to ₹3,500 is applied automatically.
Step 2: Select eligible smartphones, laptops, audio systems, or home appliances worth ₹15,000+.
Step 3: Select YES Bank Credit Card Instant Discount at checkout.
Step 4: Instant discount of 7.5% up to ₹3,500 is applied automatically.
Terms & Conditions
Valid on select electronic products. Minimum transaction value of ₹15,000 is required. Maximum instant discount is ₹3,500 per card per calendar month. Applicable on full-swipe and EMI transactions.
❓ FAQ
Frequently Asked Questions
Everything you need to know about Yes Private
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹1,800,000/month min
- • Self-employed: ₹2,700,000/month min
- • CIBIL: 780+ recommended
The annual fee is ₹10,000.
The fee can be waived by Reversed on spends of ₹25,00,000 within 12 months prior to renewal.
You earn 20 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: Oberoi E-Gift Vouchers worth INR 9,000 upon fee realization on activation!
Redeem for flights, hotels, vouchers via YES Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 999 per year
- ✓ International: 999 per year
- → Unlimited complimentary international airport lounge access worldwide via LoungeKey and unlimited domestic lounge access via MasterCard/Visa for the primary cardholder plus 1 accompanying guest.
- • Instant: Pre-approved YES Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Yes Private today and unlock amazing rewards and premium experiences.
Community Reviews
What Users Say
💬
No reviews yet for Yes Private.
Be the first to share your experience!
✍️
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google