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YES Private Credit Card

Invitation-only card for Yes Private clients

Annual fee₹10,000Waived on ₹25.0L spend

Rewards20 reward points per ₹200 on domestic spends and 40 per ₹200 on international spends. The bank states a point is worth up to 25 paise.

Forex markup0.5%0.50% on foreign currency conversion

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Issued by invitation or through your Yes Bank relationship manager — not open to direct application.

Issued by invitation · not open to direct application

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Rewards

Base earn rate

20 reward points per ₹200 on domestic spends and 40 per ₹200 on international spends. The bank states a point is worth up to 25 paise.

YES Rewardz

Fees & charges

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

Late payment

Outstanding amount	Late fee
Above ₹0	₹0

View official MITC →

Eligibility

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.