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YES Bank Credit Card /

YES Private Credit Card

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YES Private Credit Card

Travel

Premium

Rewards

4.0/5.0

Paisabazaar Review

1^st Year Fee: ₹50,000* Plus Applicable Taxes

Reward Points

2X rewards on international spends

Lounge Access

Unlimited domestic & international visits

Hotel Benefits

Exclusive privileges with premium hotels

Updated on January 9, 2026 12:46 pm

Author: Rupanshi Thapa

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About The Card Rewards & Welcome Benefit Travel & Other Benefits Fees & Charges Things to Know Card Review FAQ

About YES Private Credit Card

YES Private Credit Card is a super-premium invite only card that caters to premium travel and lifestyle needs of the consumers. At an annual fee of Rs. 10,000, the card competes with super-premium cards like Axis Reserve or American Express Platinum Card. Cardholders get premium privileges like VIP airport meet and greet, exclusive benefits with leading hotels, unlimited lounge access, and complimentary golf games and lessons. The card also features a low forex mark-up fee of 0.5%, which is possibly the lowest among all premium credit cards in India.

While the additional benefits are excellent on this credit card, its core reward rate is low, especially for domestic transactions where consumers get 2.5% value-back. On international spends, users get double the rewards at 5% which after considering the foreign exchange mark-up fee becomes 4.5% – a good return for international usage.

Note: This is an invite-only credit card. Content on this page is for information purpose only.

YES Private Rewards Program & Welcome Benefits

Reward Rate

20 reward points per Rs. 200 spent on domestic transactions¹
40 reward points per Rs. 200 spent on international transactions
1 reward point = Rs. 0.25

Welcome Benefit

2 Lakh bonus reward points as welcome benefit
50,000 additional reward points on reaching total retail spends of Rs. 10 Lakh in the first 90 days of card issuance
Oberoi e-gift voucher worth Rs. 9,000

Suggested Read: Best Credit Cards in India

With YES Private Credit Card, you will get 2.5% value-back on domestic spends and 5% back on international spends, which adjusts to 4.5% after factoring in the forex mark-up fee. While the reward rate on international transactions is quite good, a 2.5% return on domestic spends is relatively low for a premium credit card. However, it is important to note that super-premium cards like YES Private and American Express Platinum go beyond core rewards. They provide a comprehensive suite of lifestyle and travel benefits, making it essential for consumers to evaluate the overall value proposition rather than focusing solely on rewards.

Travel Benefits on YES Private Credit Card

Airport Privileges²

Through the ‘Airport by Invitation’ service, get priority check-in, private lounge, private chauffeured car, assistance with customs and immigration clearance, etc.
VIP Meet and Greet service at the airport
Other benefits like personal shopper, executive car transfers, meeting/conference room bookings, tarmac transfer, airport courier, etc.

Lounge Access

Unlimited domestic lounge access for primary and add-on cardholders, along with 12 complimentary guest visits in a year³
Unlimited international lounge visits, along with 12 complimentary guest visits in a year

YES Private Credit Card extends premium travel benefits, including some exclusive privileges like discount on private air charter booking and cruise programs – features rarely found on other premium cards. The card also provides unlimited lounge access for not only the primary and add-on users but also a limited number of complimentary visits for guests. Discount and other privileges at select premium hotels position this card as a strong competitor to American Express Platinum Card and Axis Reserve Credit Card. Coupled with a low forex mark-up fee, the card can be an excellent option for frequent international travellers seeking luxury and value.

Other Features and Benefits

In addition to the rewards and travel benefits, YES Private Credit Card also offers the following privileges to the cardholders:

Golf Benefit

12 complimentary green fees in a year (max. 3 per quarter) at some of the best golf courses across the country
12 complimentary golf lessons in a year (max. 3 per quarter)
4 complimentary green fee access for guests (max. 1 per quarter)

Movie Benefit

Buy One Get One offer on movie tickets on BookMyShow (max. 4 tickets worth Rs. 250 each in a month)
50% off on event tickets booked through BookMyShow (can be availed once per month with a maximum discount value of Rs. 1,000)

YES Private Credit Card Fees and Charges

Fee Type	Amount
Joining Fee	Rs. 50,000 + Taxes
Annual Fee	Rs. 10,000 + Taxes
Finance Charges	2.99% p.m. \| 35.88% p.a.
Late Payment Charges	Nil

Things to Know Before you apply

Get this card if:

You often travel overseas and need a card that offers better value on international spends

Premium privileges like airport transfers, VIP meet and greet, etc. would be helpful for you

You value additional premium perks more than the reward rate

You are an avid golfer and complimentary golf games and lessons would be quite valuable for you

Consider other cards if:

You want a card with good point-to-mile conversion ratio

You do not travel frequently and premium travel perks would not be helpful for you

Paisabazaar Review

Overall Rating

4.0_/5

Travel4.5_/5

Rewards3.5_/5

Lounge Access4.5_/5

Lifestyle Benefits4.0_/5

What do we like about this card?

YES Private Credit Card gives a solid start to the cardholders with 2 Lakh bonus reward points and Oberoi e-gift voucher. It offers a comprehensive blend of luxury travel benefits, unique privileges like discounts on private air charters and cruise programs, exclusive airport services like VIP meet-and-greet and chauffeured transfers, which set it apart in the super-premium segment. The card’s low forex mark-up fee enhances its appeal for international travellers, offering an effective 4.5% value-back on international usage. Travel benefits coupled with complimentary golf games, movie ticket offers, and event discounts cater to a well-rounded lifestyle. The card is a compelling choice for those who seek luxury and exclusivity beyond standard rewards.

Pros

Welcome benefit compensates the high joining fee of Rs. 50,000
Premium travel and lifestyle perks
Low forex mark-up fee of 0.5%
Unlimited domestic and international lounge access for primary and add-on cardholders

Cons

Low reward redemption value of Rs. 0.25
Only high-spenders can make the most of the rewards program
High annual fee of Rs. 10,000

Frequently Asked Questions

Everything you need to know about this credit card

What is the value of 1 reward point on the YES Private Credit Card?

1 reward point = Rs. 0.25 on YES Bank Private Credit Card. You can redeem the reward points through YES Rewardz Platform to make travel bookings, transfer to select airline/hotel loyalty programs or purchase vouchers or merchandise.

Can I transfer YES Private Credit Card reward points to airline miles?

Yes. You can transfer your reward points to select airlines or hotel loyalty programs.

Are there any limits on complimentary guest lounge visits with the YES Private Credit Card?

YES Private Credit Card offers 12 complimentary guest visits in a year for both international and domestic visits combined.

What is forex mark-up fee and how does a low forex mark-up benefit me?

Forex mark-up fee is the amount charged on credit card transactions made in foreign currency. While most credit cards charge 3.5% forex mark-up fee, YES Private Credit Card charges only 0.5%. So, on an international transaction of Rs. 20,000, you will have to pay only Rs. 100, as opposed to Rs. 700 that you would have to pay on other cards with no preferential forex mark-up benefit.

Are there any restrictions on the Buy One Get One movie ticket offer?

Under this offer, YES Private Credit Cardholders can avail up to 4 free tickets worth Rs. 250 each in a calendar month. On event tickets booked via BookMyShow, consumers can get 50% off up to Rs. 1,000 every calendar month.

What are the terms for earning bonus reward points on the YES Private Credit Card?

Cardholders get 2 Lakh bonus reward points on payment of joining fee, and on spending Rs. 10 Lakh in the first 90 days of card issuance, 50,000 additional reward points will be offered.

Need More Help?

Footnotes

Fuel, rent payment, cash advance, fees and charges and EMI transactions will not earn any reward points
Airport Privileges are offered through Mastercard Airport Concierge™ Service
12 free guest visits allowed is the sum of domestic and international lounge visits

Click here to know More Terms and Conditions

Rupanshi Thapa

Content Writer

Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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YES Private Credit Card

About YES Private Credit Card

YES Private Rewards Program & Welcome Benefits

Travel Benefits on YES Private Credit Card

Other Features and Benefits

YES Private Credit Card Fees and Charges

Things to Know Before you apply

Get this card if:

Consider other cards if:

Paisabazaar Review

Overall Rating

What do we like about this card?

Pros

Cons

Frequently Asked Questions

What is the value of 1 reward point on the YES Private Credit Card?

Can I transfer YES Private Credit Card reward points to airline miles?

Are there any limits on complimentary guest lounge visits with the YES Private Credit Card?

What is forex mark-up fee and how does a low forex mark-up benefit me?

Are there any restrictions on the Buy One Get One movie ticket offer?

What are the terms for earning bonus reward points on the YES Private Credit Card?

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