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YES Premia Credit Card

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Updated: 07-05-2021 10:21:17 AM

 Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the YES Bank website.

YES Premia Credit Card by YES Bank is a premium card that offers luxury and convenience to the user. Customers get lounge access, golf offers, accelerated reward points and much more. The card is best suited for international travellers who enjoy a luxurious lifestyle. Additional details are given below.

YES Premia Credit Card – Features and Benefits
YES Premia Credit Card – Fees & Charges
YES Premia Credit Card – Eligibility Criteria
FAQs

YES Premia Credit Card – Features and Benefits

The various features and benefits of this YES Bank Credit Card are mentioned below:

Rewards Program – Key features of the reward program are:

  • 8 Reward Points per Rs. 200 spent on grocery stores, department stores, supermarkets, and dining spends
  • 6 Reward Points per Rs. 200 spent on other categories
  • 750 Reward Points per YES PayNow registration. YES PayNow is the name of standing instructions service of YES Bank
  • 1 Reward Point = Re. 0.25 | 4 Reward Points = 1 JP Mile

Fee Reversal – Users can get the Annual & Renewal fee reversed if they meet the below-given criteria:

  • First Year Fee Reversal – Users must spend Rs. 25,000 within 90 days of card activation to get the benefit
  • Renewal Fee Waiver – Customers should spend Rs. 1,50,000 within 12 months prior to card renewal date

Movie Offers – Get 25% off on movie tickets when booking via BookMyShow.

Lounge Access – Primary Cardholders get the following lounge accesses:

  • Priority Pass – Get free membership along with 2 free visits to the lounge when abroad every year
  • MasterCard – Get 2 free visits every quarter at MasterCard lounges in India
  • Lounge visits at airports in India, beyond complimentary visits (outside India) and all guest visits for Primary Card member will be charged at US $27+GST per person per visit

Read More: Top 10 Credit Cards for Airport Lounge Access

Golf Offers – Get the following golf offers with this credit card:

  • Get waiver on green fee at 4 golf courses in India
  • Get 1 free golf lesson each month at partner golf courses

Cheaper International transactions – Foreign Currency Mark-up fee is just 2.50%.

Fuel Surcharge Waiver – 1% Fuel surcharge waiver at fuel stations across India for transaction between INR 400 to INR 5,000

Insurance Coverage – Credit Shield cover of INR 2.5 Lacs in case of accidental death of Primary Card member.

Other Services – Get the following services as well

  • Instant EMI
  • EMI on Call
  • Quick Loan
  • Set Standing Instructions via YES PayNow
YES Premia Credit Card
Good For:

  • Frequent International Travellers
  • Movie Goers
  • People who play Golf
Bad For:

  • People looking for cash back
  • Customers who want to earn air miles
  • People who want a low annual fee credit card

YES Premia Credit Card – Fees & Charges

CategoryAmount
First Year Membership FeeRs. 1,599 (waived off on spending Rs. 25,000 within 90 days of card activation)
Renewal Membership FeeRs. 1,599 (waived off on spending Rs. 1,50,000 in a year)
Interest-free PeriodUp to 50 days
Cash Withdrawal Limit30% of the credit limit
Finance Charges2.99% p.m. – YES Bank savings/ salary account holders

3.22% p.m. – Others

Overlimit Fee2.5% of the amount/Min. Rs. 500
Foreign Exchange Mark-up2.50%
Late Payment ChargesFor balance-
Below Rs. 100- Nil
From Rs. 101 to Rs. 500- Rs. 100
From Rs. 501 to Rs. 5,000- Rs. 400
From Rs. 5,001 to Rs. 20,000- Rs. 500
Above Rs. 20,000- Rs. 700
Add-on Card FeeNil. Up to 3 cards can be issued
Payment Return Charges (Autopay/Cheques)Rs. 350 per instance

YES Premia Credit Card – Eligibility Criteria

CriteriaDetails
OccupationSalaried or Self-employed
Minimum Income for Salaried ApplicantsRs. 80,000 per month
Minimum Income for Self-employed ApplicantsITR must be Rs. 8 lakh or more
AgeBetween 21 and 60 years
Documents RequiredClick Here for the list of acceptable documents

FAQs

What is annual fee on YES Premia Credit Card?
The annual fee on the credit card is Rs. 1,599.

What is foreign currency mark-up fee on the credit card?
The bank charges just 2.50% of the transaction amount as foreign currency mark-up fee. This charge is applicable when transactions are made abroad or at an Indian retail outlet that is registered overseas.

Who can apply for YES Premia Credit Card?
Indian Citizens who earn Rs. 80,000 per month or have ITR acknowledgement over Rs. 8 lakh may apply. Also the age of the customer must be over 21 years but below 60 years.

Does the card offer lounge access?
Yes, customers get access to Priority Pass lounges when abroad and MasterCard lounges when in India.

Do you earn airmiles on the credit card?
No, customers do not earn airmiles on transactions made via this card.

Yes Bank Credit Card
(4.9/5 ) 172 Reviews
Write a review
Jun 22, 2019
5/5
Rewarding scheme

Thank you to the executives at Paisabazaar who helped me find such a rewarding scheme.

Jun 22, 2019
5/5
Expenses

All my expenses are managed these days with the help of my Yes bank credit card.

Jun 22, 2019
4/5
No additional fee

These guys delivered my Yes bank credit card in just 2 business days at no additional fee.

Jun 17, 2019
5/5
Unmatchable

The discounts, offers and cashbacks I am getting with Yes Bank, are simply unmatchable.

Jun 17, 2019
5/5
Bank of the recent generation

Yes bank is bank of the recent generation. They have outcasted many already established banks.

Jun 17, 2019
5/5
Favorite banking partner

Paisabazaar has always been my favorite banking partner. They come up with great schemes on credit cards. I got mine from them.

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