YES Private Prime Credit Card

10,000 Bonus Reward Points as Welcome Benefit- The card offers you 10,000 bonus reward points on your first transaction. 

To avail the benefit, you can simply call YES Private Banking & Concierge Services at 1800 121 444.

For 10,000 bonus reward points, the first transaction must take place within 90 days of card setup date.

Exclusive Travel Benefits- As a YES Private Prime Credit Card member, you get to enjoy the following exclusive travel benefits.

*View List of domestic Airport Lounges

The travel benefits offered by YES Private Prime Credit Card are quite decent. There are only a few credit cards in India that are not co-branded with an airline but still offer decent benefits to the travelers and YES Private Prime is one such card for affluent travelers. 

Reward Points- With YES Private Prime Credit Card, you get ample rewards wherever you choose to spend. The rewards can be earned in the following manner:

The terms and conditions for earning rewards are as follows:

• 1 Reward Point= Re.1 (which means on every Rs.100 spent internationally, you get worth Rs.3 reward points)
• Valid for retail transactions only. Not applicable on fuel transactions, Cash Advance, Fee, Charges, LoungeKey charges, EMI on Call & Instant EMI
• Reward Points on Insurance Premium payments are capped at 20,000 in an anniversary year, i.e. Insurance Premiums of upto Rs.10 lakh will only be eligible for Reward Points

However if you feel that the rewards are not enough are you are specifically looking for a particular card that offers high rewards, have a look at –SBI ELITE CREDIT CARD

Premium Lifestyle Privileges- Enjoy the following benefits with Yes Private Prime Credit Card membership:

*Annual benefit is subject to the YES Private Prime Credit Card being renewed and the annual fees paid

Insurance Cover of Rs.1 crore- With YES Private Prime Credit Card, your safety and security are well taken care of. You get the following benefits:

• Air Accident Cover of Rs.1 crore in case of death due to flight accidents
• Up to Rs.1 crore protection cover on medical emergencies (while traveling overseas)
• The outstanding amount on your card is covered up to Rs.15 lakh in case of accidental death of primary credit card holder

Fuel Surcharge Waiver at all fuel stations- Fuel Surcharge Waiver at all Fuel stations across India for transactions between Rs. 400 to Rs. 5,000. 

Low Interest Rates- YES Private Prime Credit Card offers low interest rates when compared to other super premium cards available in the market. 

• If you have YES Bank Savings / Salary Account- 1.2% interest rate per month (14.40% annually) on revolving credit
• If you do not have YES Bank Savings / Salary Account- 1.99% interest rate per month (23.88% annually) on revolving credit

Low Foreign Currency Markup of 1.75%- With YES Private Prime Credit Card, you get preferential foreign currency markup of 1.75% on all international transactions which is an added advantage of the card.

Concierge Services- With this card you will get international concierge services to assist you in getting the exclusive benefits on your card. 

YES Private Prime Credit Card charges an annual fee of Rs.10,000 which might be high for few spenders. Also the waiver condition of Rs.20 lakh worth spent in the previous year is tough. Undoubtedly, the card offers multiple benefits across all the major categories, be it travel, entertainment etc. but it is certainly not the best premium credit card in the market.

Although being a premium credit card, the rewards rate is not up to the mark. The first year membership fee of Rs.20,000 is high when compared to other credit cards offering similar benefits. The annual fee will sound justified only in the case where you will be able to use the maximum of your card, otherwise you might end up paying Rs.10,000 for absolutely nothing in return.

Applicants must meet the eligibility criteria pre-defined by YES Bank. The eligibility criteria include income, age, nationality (Resident Indian/NRI) and place of residence. Other requirements, if any, will be shared at the time of application. Besides this, you must have a good credit score without any defaults on loan payments.

Please note that YES Private Prime Credit Card is issued by invitation only. If you wish to apply for the card and did not get an invite, kindly contact the bank officials regarding the same.

Documents Required for YES Private Prime Credit Card

Identity, address and income will be checked by the bank. You may submit self-attested photocopies of the following eligible documents:

YES Bank offers credit cards for all segments of customers, be it YES Prosperity Rewards or Cashback Credit Card for beginners and YES First Preferred or Exclusive Credit Card for high net worth individuals. 

With their YES Private Prime Credit Card, they have introduced MasterCard World Elite Program benefiting affluent and ultra-high net worth individuals (HNIs). Hence this card is best suited for the users who-

1. Are heavy spenders and wish to avail benefit across multiple categories.
2. Frequently travel internationally and would love to avail exclusive airport and lounge benefits.
3. Are ready to pay an annual fee of Rs.10,000 and a one-time joining fee of Rs.50,000.
4. Like golf but do not wish to spend so much money on the games.

YES Private Prime Credit Card is an invite-only card. In case you received an invite, you can apply for the card via YES Bank’s official website or by visiting the nearest branch. 

However if you wish to apply for the card and did not get an invite, feel free to get in touch with the customer support team.

The list below shows the best premium credit cards in India from different banks.

Is YES Private Prime Credit Card an invitation only credit card?

Yes, YES Private Credit Card is strictly an invitation only credit card.

How much will I have to pay once I use up the free guest visits at international airport lounges?

You will have to pay USD 27 + GST for accompanying guests after the completion of free visits.

How many lounges are affiliated under the Lounge-Key membership program?

There are over 850 lounges in more than 400 cities located in over 120 countries worldwide.

How can I contact YES Private Prime Credit Card Customer Care?

Please call 24*7 Yes Private Concierge and Services at 1800 121 4444/1800 103 0210 or write at yesprivate@yesbank.in.

Is there a restriction/limit on my airport lounge access?

Visit is limited to 4 per calendar year (1 per Quarter). A per visit charge of USD 27 + GST will be applicable for any accompanying guests from the 5th visit onwards.