Yes Private/Private Prime Credit Card
Yes Bank
Annual Fee
₹10,000
Joining Fee
₹50,000 + GST
Base Reward
20% points
Foreign Markup
0.50%
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
Interest Rate
1.2% per month (14.4% annually) for Yes Bank savings/salary account holders, 1.75% per month (or 21% annually) for others
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
Rewards
Earn 40 Reward Points for every ₹200 spent on international transactions and 20 Reward Points for every ₹200 spent on domestic transactions.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 40%(40 Reward Points per ₹200 on international spends) | No cap |
shopping | 20%(20 Reward Points per ₹200 on domestic spends) | No cap |
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
Fees & Charges
Eligibility
Available Networks
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