YES Private Credit Card
Yes Bank · Invite only
YES Bank's invite-only top card: 20 YES Rewardz per ₹200 on domestic and 40 on international spends, 2,00,000 points and a ₹9,000 Oberoi voucher on joining, unlimited lounge access with 12 guest visits, a 0.5% forex markup and no late fee. ₹50,000 to join, ₹10,000 a year.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹50,000 + GST
- Fee waiver
- Annual fee waived on ₹25,00,000 spend per card year
- Base rate
- 20 YES Rewardz per ₹200 on domestic spends: 20 YES Rewardz per ₹200 (about 1% at cash value)
- Lounges
- Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
- Forex markup
- 0.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 40 YES Rewardz per ₹200 on international spends: 40 YES Rewardz per ₹200 (about 2% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet, fuel, government, cash, EMI, insurance, education and tolls
- No YES Rewardz on railways
Where the sources disagree
- insurance spends: The brochure says insurance, education, railways and toll earn no points but also that insurance points are capped at 80,000 a year; we enter insurance as excluded.
Terms the calculator does not value
- Value of a point: the page says 'up to 25 paise'; the redemption rules give ₹0.25 on flights and hotels and ₹0.10 as statement credit. Merchandise and catalogue items, points + pay and Air Maharaja miles are not valued.
- Concierge, insurance, hotel, cruise and private-jet privileges are listed in the usage guides without values and are not entered.
- The MITC's table of reward points capping on utilities lists Yes Private with no capping, so utilities earn at the domestic rate without a cap; no separate utilities rule is entered.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, YES Private Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Yes Private sales brochure, Aug 2026 (Product page, the bank's own, read 6 Nov 2026)