← Part of Yes Bank Credit Cards in India
The YES Private Credit Card is an invitation-only, super-premium offering designed for High Net-Worth Individuals (HNIs) in India. As of late 2025, YES Bank reported over 27.6 lakh active credit cards, making IT a significant issuer in the Indian market (Source: Reserve Bank of India data).
| Parameter | Details |
|---|---|
| Card Type | Super-premium, Invitation-only Credit Card |
| Target Audience | High Net-Worth Individuals (HNIs), YES Bank Private banking customers with relationship value of ₹5 crore or more |
| Forex Mark-up Fee | 0.5% (possibly the lowest among premium credit cards in India) |
| Reward Points Value | 1 reward point = ₹0.25 |
| Domestic Spends Value-back | 2.5% |
| International Spends Value-back | 5% (adjusts to 4.5% after forex mark-up fee) |
| Joining Fee (YES Private) | ₹50,000 + GST |
| Annual Fee (YES Private) | ₹10,000 + GST |
| Annual Fee Waiver Condition | Waived on spends of ₹25 lakh within 12 months before renewal |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India |
| Maximum Add-on Cards | Three complimentary add-on cards for family members |
| Renewal Benefit | 8,000 reward points post annual renewal membership fee (from 2nd year onwards) |
| Golf Privileges | 4 complimentary rounds of green fees per calendar year at select golf courses in India |
| Credit Card Spending Growth (2025) | 14.5% year-over-year, reaching ₹1.89 trillion in May 2025 (Source: Reserve Bank of India) |
| YES Bank Ranking (2026) | Fourth largest private sector bank in India by active credit cards (Source: BankBazaar) |
The YES Private Credit Card is positioned for exclusive clientele, offering substantial value on both domestic and international transactions, along with a suite of luxury lifestyle benefits.
Exclusive Features & Benefits
The YES Private Credit Card offers a suite of super-premium privileges, including VIP airport services and exclusive hotel benefits with luxury brands. IT features a notably low forex mark-up fee of 0.5%, which is among the lowest for premium credit cards in India as of 2026.
| Feature | Details | Value/Benefit |
|---|---|---|
| VIP Airport Meet and Greet | Cardholders receive premium privileges including VIP airport meet and greet services. | Exclusive airport services, d travel experience. |
| Exclusive Hotel Benefits | Cardholders get exclusive benefits with leading hotels like Hyatt, Intercontinental, Shangri-la. | Complimentary room upgrades, complimentary breakfast, early check-in, hotel credits. |
| Unlimited Lounge Access | Provides unlimited lounge access for primary and add-on users, plus limited complimentary visits for guests. | d travel comfort and convenience at airports. |
| Complimentary Golf Games and Lessons | Cardholders receive complimentary golf games and lessons. | Access to premium lifestyle and recreational activities. |
| Low Forex Mark-up Fee | Features a low foreign currency mark-up fee of 0.5%. | Possibly the lowest among all premium credit cards in India, saving on international transactions. |
| Discount on Private Air Charter Booking | Exclusive privileges like discounts on private air charter bookings with Vitesse Worldwide. | Save up to $1000 on round-trip private air charter, unique travel benefit. |
| Cruise Programs | Includes benefits related to cruise programs. | Unique travel benefits rarely found on other premium cards. |
| Welcome Bonus Reward Points | 2 lakh bonus reward points upon card issuance. | Significant initial value, compensates for high joining fee. |
| Oberoi e-gift Voucher | Includes an Oberoi e-gift voucher as part of the welcome benefits. | Luxury lifestyle benefit. |
| Fuel Surcharge Waiver | Fuel surcharge is waived at all fuel stations across India for transactions between ₹500 and ₹4,000 (capped at ₹1,000 per month). | Savings on fuel expenses. |
| Add-on Credit Cards | Eligible for up to three add-on credit cards for family members (18+ years, related to primary cardholder). | Extends premium benefits to family, offering convenience and shared privileges. |
| Reward Point Value | Each reward point is valued at ₹0.25 on the YES Bank Private Credit Card. | Provides clear redemption value for accumulated points. |
| NFC-enabled Contactless Transactions | The card supports Near Field Communication (NFC) for contactless payments. | Secure and convenient transactions at compatible terminals. |
| MasterCard SecureCode | Utilizes MasterCard SecureCode for d security during online payments. | Adds an extra layer of protection for e-commerce transactions. |
| Flexible Repayment Facilities | Offers Instant EMI, Post Purchase EMI, Quick Loan, YES PayNow, and e-Mandate options. | Provides diverse and convenient ways to manage credit card repayments. |
These exclusive features position the YES Private Credit Card as a top-tier offering for affluent individuals seeking full travel, lifestyle, and financial benefits in India.
Fees & Charges (2026)
The YES Private Credit Card carries a joining fee of ₹50,000 + GST and an annual fee of ₹10,000 + GST as of 2026. Its foreign currency mark-up fee is 0.5%, among the lowest for premium cards in India.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee (YES Private) | ₹50,000 + GST | One-time charge upon card issuance. |
| Joining Fee (YES Prime) | ₹20,000 + GST | One-time charge upon card issuance. |
| Annual Fee (YES Private / YES Prime) | ₹10,000 + GST | Charged annually from the second year onwards. |
| Annual Fee Reversal (YES Private) | ₹20,00,000 spend | Fee reversed if this spend is met within 12 months before renewal. |
| Annual Fee Waiver (YES Private) | ₹25,00,000 spend | Fee waived off if this spend is met within 12 months before renewal. |
| Foreign Currency Mark-up Fee (YES Private) | 0.5% | Applied on all international transactions, lowest among premium cards. |
| Interest Rate (YES Bank A/c Holders) | 1.2% per month (14.4% p.a.) | Applicable for Yes Bank savings/salary account holders. |
| Interest Rate (Others) | 1.99% per month (23.88% p.a.) | Applicable for non-Yes Bank account holders. |
| General Credit Card Interest Rates | 1.99% to 3.99% per month | Varies across other YES Bank credit card variants and account types. |
| Forex Mark-up Fee (RESERV, First Business) | 1.75% | Applicable to specific YES Bank credit card variants. |
| Forex Mark-up Fee (Most other YES Bank cards) | 3.5% | Applicable to majority of other YES Bank credit card variants. |
| Utility Payment Surcharge | 1% + GST | Effective January 2026, on utility payments, education payments, and wallet loading above specified monthly thresholds. |
| Fuel Surcharge Waiver (YES Private) | 1% (max ₹1,000/month) | On transactions between ₹400 and ₹5,000 at all fuel stations in India. |
| Fuel Surcharge Waiver (General YES Bank cards) | 1% (max ₹250/month) | On transactions between ₹500 and ₹4,000 at all fuel stations in India. |
| Cash Advance Fee | 2.5% of amount or ₹300 | Whichever is higher, for each transaction at ATMs in India and abroad. |
| Foreign Currency Markup (YES Bank ACE) | 2.75% | On all international transactions (POS, Online, ATM usage outside India). |
| First Year Membership Fee (YES Bank ACE) | ₹499 | For the YES Bank ACE Credit Card variant. |
| Renewal Fee (YES Bank ACE) | ₹499 | For the YES Bank ACE Credit Card variant. |
The YES Private Credit Card’s competitive forex mark-up fee makes IT attractive for frequent international travellers, while its interest rates are lower for existing YES Bank account holders.
Eligibility & Application Process
The YES Private Credit Card is an invitation-only product, exclusively offered to privileged customers of YES Bank. This super-premium card caters to high-net-worth individuals seeking premium travel and lifestyle benefits.
- Invitation-Only Access: The YES Private Credit Card is strictly an invitation-only offering, not available for general application.
- Primary Cardholder Age: Applicants for a primary YES Bank credit card must be at least 21 years old.
- Maximum Age: The maximum age for salaried and self-employed applicants is typically 60 years.
- Steady Income: A consistent and substantial income stream is a key eligibility factor for all YES Bank credit cards.
- Strong Credit Score: A good CIBIL or Experian credit score is , reflecting a strong financial history.
- Required Documents: documents include income proof (salary slips, bank statements, IT returns, Form 16), a copy of your PAN card, recent passport-sized photographs, and a completed application form.
- Add-on Card Eligibility: Add-on cardholders must be at least 18 years old and related to the primary cardholder (spouse, parent, child, or sibling).
- Application Process: While the Private card is invite-only, the general application process for other YES Bank credit cards is transparent and can be done online via net banking or the official website.
YES Bank assesses each applicant’s profile for financial stability and creditworthiness before extending an invitation for the YES Private Credit Card.
Reward Points & Redemption
The YES Private Credit Card offers a strong reward program tailored for high-net-worth individuals in India. Cardholders earn 1 reward point for every ₹100 spent, with each point valued at ₹0.25 upon redemption. This structure provides significant value across various spending categories.
- Reward Point Value: Each reward point earned on the YES Private Credit Card is valued at ₹0.25. This allows for direct calculation of benefits.
- Earning Structure: Cardholders accumulate 1 reward point for every ₹100 spent on eligible transactions. This applies to most retail and online purchases.
- Welcome Bonus: The card includes an additional renewal benefit of 8,000 reward points from the second year onwards. This is applicable post annual renewal membership fee.
- Flexible Redemption: YES Bank offers flexible reward plans across shopping, travel, and household spends. This allows cardholders to choose redemptions that best suit their lifestyle.
- Travel Benefits: Reward points can be redeemed for various travel benefits, including cruise programs, car rentals, and vacation packages. This the card’s appeal for frequent travelers.
- Golf Privileges: Cardholders receive 4 complimentary rounds of green fees per calendar year at select golf courses across India. This is a key lifestyle benefit.
- Exclusive Offers: As of April 2026, YES Bank regularly updates credit card offers including cashback on partner platforms and seasonal promotions. These add to the overall reward value.
The YES Private Credit Card’s reward program focuses on delivering premium value through a clear earning and redemption structure, complemented by exclusive lifestyle and travel benefits.
YES Private Vs. Other Premium Cards
The YES Private Credit Card offers a 0.5% forex mark-up fee, which is among the lowest for premium cards in India as of 2026. This invite-only card targets high-net-worth individuals, similar to other exclusive offerings from HDFC Bank and American Express.
Comparing its features against other top-tier cards helps evaluate its value proposition for affluent customers.
| Feature | YES Private Credit Card | HDFC Infinia Credit Card | American Express Platinum Card |
|---|---|---|---|
| Admission Mode | Invitation-only for privileged YES Bank customers | Invitation-based or high net-worth criteria | Invitation-based or high net-worth criteria |
| Joining Fee | ₹50,000 + GST | ₹10,000 + GST | ₹60,000 + GST (approx., verify current rate) |
| Annual Fee | ₹10,000 + GST | ₹10,000 + GST | ₹60,000 + GST (approx., verify current rate) |
| Annual Fee Waiver (Spend) | ₹20 lakh (reversal) or ₹25 lakh (waived) within 12 months | ₹10 lakh within 12 months | No direct waiver based on spend (focus on benefits) |
| Forex Mark-up Fee | 0.50% | 2.00% (approx., verify current rate) | 3.50% (approx., verify current rate) |
| Domestic Reward Rate | 16 Reward Points per ₹200 spent | 5 Reward Points per ₹150 spent (1:1 travel redemption) | 1 Membership Rewards Point per ₹40 spent |
| International Reward Rate | 24 Reward Points per ₹200 spent | 5 Reward Points per ₹150 spent (1:1 travel redemption) | 1 Membership Rewards Point per ₹40 spent |
| Lounge Access | Unlimited domestic and international lounge access | Unlimited domestic and international lounge access | Unlimited global lounge access (Centurion, Priority Pass) |
| Fuel Surcharge Waiver | 1% on ₹400-₹5,000 transactions (capped ₹1,000/month) | 1% on ₹400-₹5,000 transactions (capped ₹500/month) | No specific waiver, but premium benefits apply |
| Add-on Cards | Up to three add-on cards available | Up to three add-on cards available | Up to two supplementary cards available |
The YES Private Credit Card stands out with its exceptionally low forex mark-up fee and competitive reward structure for international spending, catering to global travellers.
Common Queries & Misconceptions
The YES Private Credit Card is an invite-only super-premium card, designed for privileged YES Bank customers seeking exclusive travel and lifestyle benefits. As of 2026, its 0.5% forex markup fee is among the lowest for premium cards in India.
- Invitation-Only Access: The YES Private Credit Card is exclusively for select YES Bank customers, unlike many other premium cards that allow direct applications based on income and credit score.
- Lowest Forex Markup: The card features a 0.5% foreign currency markup fee, which is significantly lower than the 1.75% to 3.5% charged on most other YES Bank credit card variants.
- Add-on Card Eligibility: Primary cardholders of the YES Private Prime Credit Card can apply for up to three add-on cards for family members aged 18 or above, including spouses, children, parents, or siblings.
- Interest Rates: For YES Bank savings/salary account holders, the interest rate on the YES Private Credit Card is 1.2% per month (14.4% p.a.), while for others, IT is 1.99% per month (23.88% p.a.).
- Surcharge Changes (2026): From January 2026, YES Bank implemented a 1% surcharge on utility payments, education payments, and wallet loading above specified monthly thresholds across its credit cards.
Understanding these specific details helps clarify the unique positioning and benefits of the YES Private Credit Card within the Indian market.
Contact & Support Information
For any queries regarding the YES Private Credit Card in 2026, YES Bank offers multiple contact channels. Customers can reach out via dedicated phone lines for general inquiries within India or for international assistance.
Email support is also available for credit card-related questions, including a specific channel for NRI customers.
- For general YES Bank credit card queries within India, call 1860 210 1200 or the toll-free number 1800 1200. These lines operate from 8 a.m. Onwards.
- A dedicated toll-free number for credit card-related queries in India is 1800 103 6000.
- Customers outside India can contact YES Bank for credit card support by calling +91 (22) 50795101.
- Email inquiries for credit card services can be sent to yesfirstcc@yesbank.in for prompt assistance.
- NRI customers with credit card questions have a specific email address: nri@yesbank.in.
- To block a lost or stolen card, call 18001031212 (toll-free in India) or +91 2249350000 (from abroad).
These channels ensure full support for all YES Private Credit Card holders.
Key Takeaways
- The YES Private Credit Card is an invite-only product, targeting privileged YES Bank customers for its super-premium features.
- As of 2026, the card features a low forex markup fee of 0.5%, which is among the lowest for premium credit cards in India.
- Interest rates for the YES Private Credit Card are 1.2% per month (14.4% annually) for YES Bank account holders and 1.99% per month (23.88% annually) for others.
For detailed eligibility and to understand the invitation process, contact YES Bank directly through their official channels.
Frequently Asked Questions (FAQs)
What are the key benefits of the YES Private Credit Card in India?
The YES Private Credit Card offers premium privileges like VIP airport meet and greet services, unlimited airport lounge access, and complimentary golf games and lessons. Cardholders also receive exclusive benefits with leading hotels and a low forex mark-up fee of 0.5%. This is among the lowest forex mark-up fees offered by premium credit cards in India as of May 2026.
What is the forex mark-up fee on the YES Private Credit Card?
The YES Private Credit Card features a low forex mark-up fee of 0.5%. This rate is significantly lower than the 1.75% to 3.5% charged on most other YES Bank credit card variants as of January 2026.
How many reward points do I earn per rupee spent with the YES Private Credit Card?
With the YES Private Credit Card, 1 reward point is equivalent to ₹0.25. This allows cardholders to accumulate value on their spending across various categories.
Is the YES Private Credit Card an invite-only card?
Yes, both the YES Private and YES Private Prime Credit Cards are invite-only. This ensures the card is offered exclusively to high-net-worth individuals who meet specific criteria.
What is the annual fee for the YES Private Credit Card and how can IT be waived?
The annual fee for the YES Private Credit Card is ₹10,000 plus applicable taxes. This fee can be reversed if you spend ₹20 lakh within 12 months prior to the renewal date.
What golf benefits does the YES Private Credit Card offer?
The YES Private Credit Card provides 4 complimentary rounds of green fees per calendar year at select golf courses across India. Cardholders also receive complimentary golf lessons as part of their premium privileges.
What is the interest rate on YES Bank credit cards in 2026?
Interest rates across YES Bank credit cards, including the YES Private Credit Card, range from 1.99% to 3.99% per month as of 2026. The specific rate depends on the card variant and whether you hold a YES Bank savings or salary account.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.