YES Private Credit Card

Annual feeRenewal fee

Renewal Membership Fee: ₹10,000 + Applicable Taxes, reversed on spends of ₹25,00,000 within 12 months prior to the renewal

Joining fee

1st Year Membership Fee: ₹50,000 + Applicable Taxes

Fee waiver rule

Renewal Membership Fee of ₹10,000 + Applicable Taxes is reversed on spends of ₹25,00,000 within 12 months prior to the renewal

Add-on card fee

Add-on card fee: NIL. Add-on Cards are not applicable for all variants; for eligible variant, a maximum up to 3 add-on cards can be issued

Reward rate

20 Reward Points on domestic and 40 Reward Points on international spends for every ₹200.

Reward earning on international spends

40 Reward Points on international spends for every ₹200.

Reward caps

Reward Points Capping on Utility Spends per statement cycle: No capping.

What one reward unit is worth

1 Reward Point = upto 25 p

Catalogue redemption

Reward redemption against Merchandise: No capping (Subject to maximum monthly capping)

Flight redemption

Reward Redemption against Flights and Hotels: 70% of the total invoice value up to a maximum of 6,00,000 YES CC Rewardz; a convenience fee of ₹99 + applicable GST is applicable on flight booking through reward points

Hotel redemption

Reward Redemption against Flights and Hotels: 70% of the total invoice value up to a maximum of 6,00,000 YES CC Rewardz

Statement-credit redemption

Reward redemption against statement credit: No capping (Subject to maximum monthly capping)

Voucher and product redemption

Reward redemption against Vouchers: Capping on Voucher redemption worth ₹25k in calendar month (Subject to maximum monthly capping)

Point expiry

Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning (applicable only to credit cards with Reward points as a product feature)

Domestic lounge access

There is no limitation: unlimited access under the MasterCard Lounge programme (At Domestic lounges across select cities in India)

International lounge access

There is no limitation: unlimited access under the LoungeKey programme (At International lounges across 750+ locations)

Hotel or travel programme

Oberoi E-Gift Vouchers worth ₹9,000.

Dining programme

Spend your leisure time savouring our carefully curated fine dining experiences & indulging yourself with complimentary access to exclusive clubs

Concierge

24*7 Yes Private Concierge and Services at 1800 121 4444/1800 103 0210

Benefit given each anniversary year

Annual benefits of 4 Lakh Plus for the card holder.

Fuel surcharge waiver

Up to 1% fuel surcharge reversed on eligible fuel transactions of ₹500 to ₹5,000; maximum surcharge waiver per statement cycle: No capping. Fuel transactions done through UPI: surcharge waiver will NOT be provided on the above listed Card variants

Surcharge on railway tickets

1% of the transaction amount + GST if the transaction exceeds ₹30,000 or cumulative Passenger Railways spends exceed ₹80,000 in a calendar month; fee capped at ₹5,000 per transaction. The fee is over and above any convenience fee/surcharge charged by the railway ticket booking platform

Add-on card eligibility

Maximum up to 5 add-on cards can be issued for YES Private

Forex markup

0.5% on foreign currency transactions.0.50% Foreign Currency Mark up charges on all international spends

Dynamic currency conversion markup

Dynamic currency conversion charge: 1% (YES Private / Yes Private Prime)

Cash advance fee

Waived: cash advance fee is waived for YES Private.

Cash advance interest

Rate of interest of 2.99% on revolving credit, on cash advance and/or on overdue amount.

Cash withdrawal limit

Cash Advance limit is a subset of the overall Credit limit: up to 30% of the Credit Limit is assigned to a YES BANK Credit cardholder. Cash withdrawal from Credit card will be suspended for first 6 months from date of onboarding

Interest on unpaid balance

YES Private / YES Private Prime / Marquee / Reserv: Monthly 2.99%, Annually 35.88% (finance charges on revolving credit / APR, on cash advance and/ or on overdue amount)

Interest-free period

Interest free credit period of up to 50 days, subject to the scheme applicable on the specific Credit Card; not applicable if the previous month’s statement balance has not been cleared in full on or before the due date, or if the Cardmember has withdrawn cash from ATM

Late payment fee

Waived: Late Payment charges are waived for YES Private credit card.

Over-limit fee

Overlimit charge of ₹550 (plus applicable GST) for any transaction that exceeds the assigned credit limit

Payment return or dishonour fee

Waived for YES Private: cheque return or cheque dishonour fee (₹450 per instance) and auto debit failure/return charges (capped at ₹5,000 per customer per statement)

Card replacement fee

Waived: Re-issuance fee is waived for YES Private Credit Card.

Cash payment / cash deposit fee

Cash deposit fee at Yes Bank Branches towards Credit Card repayment: ₹500 + GST for amount greater than or equal to ₹1,000 (effective 15th June 2026)

Education / school fee charge

1% fee + applicable GST on education transactions done through third-party websites and applications; fee capped at ₹5,000 per calendar month. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged

Fee for paying the bill by cheque

Cheque deposit fee at Yes Bank Branches towards Credit Card repayment: ₹250 + GST if the repayment amount is Greater than or Equal to ₹1000 (effective 15th June 2026)

Foreign ATM fee

Waived: cash advance fee on withdrawals from domestic or international ATMs is waived for YES Private.

Reward redemption fee

Waived: Rewards redemption fee is waived for YES Private.

Wallet load charge

No fee on transactions up to ₹2,000 when loading funds onto third-party wallets; 1% fee on transactions exceeding ₹2,000; maximum fee on any single transaction is ₹5,000

What the card's fee or benefit year means

Spends are counted within 12 months prior to the renewal

Fuel transaction fee

YES Private / Marquee / Reserv / UNI / AI Inside / AI Inside RuPay Virtual: 1% of the transaction amount + GST if the transaction exceeds ₹10,000 or cumulative Fuel category spends exceed the threshold amount of 50,000 in a calendar month; fee capped at ₹5,000 per transaction

Rent transaction fee

Rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher. Rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher. Rental transactions are capped at 5 per 30 days period

Utility transaction fee

YES Private: 1% of the transaction amount + applicable GST on all Utility transactions if cumulative spends on Utility category exceed ₹1,00,000 in previous calendar month; charges capped at ₹5000 per transaction

GST note

GST 18% (Applicable on all fee and charges)

Grace days after the due date

Account is eligible for late fee assessment if the minimum amount due is not received within the payment Due Date + Grace days

Minimum amount due

MAD = {Total GST + EMI amount + Membership/Rental/Wallet fees + Amount over the credit limit (if any)} + {(Finance Charges + other fees + 2% of Retail/Cash outstanding) or ₹200, whichever is higher}