Yes Bank
Yes Private/Private Prime Credit Card
Annual Fee
₹23,600₹20,000 + GSTBase Reward
20% points
Foreign Markup
0.50%
Welcome Benefits
25,000 Reward Points upon successful first transaction
Product Highlights
- Welcome gift of 25,000 Reward Points on the first transaction
- Unlimited domestic lounge visits for primary and add-on cardholders
Category Rewards
Specialty
International Spends 40X
40X
Fee Waiver
Renewal fee waived off on spends of ₹25,00,000 (for Yes Private Credit Card) or ₹20,00,000 (for Yes Private Prime Credit Card) in the preceding year
Reward Calculator
Costs you ₹23,552/year
Break-even needs ~₹63,91,667/month at your reward mix.
₹13K
across all your buckets
19.2K
YES Rewardz
₹48
via standard · ₹0.0025/pt
Effective rate
0.03%
Annual fee
₹23,600
Year 1 net
₹-23,552
Year 2+ net
₹-23,552
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
0.5%Charged on every international (non-INR) transaction
Excluded from rewards
rent, wallet, fuel, government, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 40 Reward Points for every ₹200 spent on international transactions and 20 Reward Points for every ₹200 spent on domestic transactions.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: Unlimited domestic lounge access with MasterCard Lounge Program (Guest visits limited to 12 per year) International: Unlimited international lounge access with Lounge Key (Guest visits limited to 12 per year) Unlimited domestic and international lounge access for primary and add-on cardmembers
Pros & Cons
Pros
- High reward points on international and domestic spends
- Complimentary lounge access
- Golf benefits
Cons
- High joining fee
- Invite-only eligibility
Additional Info
Invite-only credit card
High net-worth individuals targeted
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee waived off on spends of ₹25,00,000 (for Yes Private Credit Card) or ₹20,00,000 (for Yes Private Prime Credit Card) in the preceding year