YES Private Credit Card

0

Joining fee

₹50,000 plus applicable taxes

Annual / renewal fee

₹10,000 plus applicable taxes on renewal

Annual fee waiver

The renewal fee is reversed on spends of ₹25,00,000 in the 12 months before the renewal date.

Interest rate

2.99% per month (35.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

Not applicable — the MITC lists no cash advance facility on this card.

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

0.50% on foreign currency conversion

DCC markup

1%

Reward redemption

₹0 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns

Duplicate card

₹100

By invitation only. YES Bank does not publish an application route or an income floor for this card; it is offered to selected Yes Private banking clients.

• Can the YES Private Credit Card be applied for?
• What charges does the Yes Private MITC waive?
• How does lounge access work for guests?