YES Private Prime Credit Card
Yes Bank · Invite only
YES Bank's invite-only Private Prime: 20 YES Rewardz per ₹200 on domestic and 40 on international spends, unlimited domestic and international lounge access, golf, a 0.5% forex markup and 2.99% monthly interest. ₹20,000 to join, ₹10,000 a year.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹20,000 + GST
- Fee waiver
- Annual fee waived on ₹20,00,000 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 fuel and EMI
Where the sources disagree
- Private Prime reward terms: The undated Private Prime usage guide gives 2 reward points per ₹100 domestic and 3 international, 1 point = ₹1, 10,000 welcome points, a 1.75% forex markup and 1.2% to 1.99% monthly interest; the page (w.e.f. 24 Dec 2023), the MITC and the KFS give 20 and 40 points per ₹200, up to ₹0.25 a point, 0.5% forex and 2.99% interest. We use the page, MITC and KFS.
Terms the calculator does not value
- Earn exclusions: the Prime page lists none; only the undated 2020 usage guide says "valid for retail purchases only, not on fuel and EMI". Yes Private's Aug 2026 brochure also excludes rent, wallet, government, marketing, cash, insurance, education, railways and tolls; whether those apply to Prime is not stated, so a rent or wallet spend is valued here at the full 20 points per ₹200.
- Fuel surcharge waiver: the 15 Jun 2026 band and any cap for Private Prime are not stated in the MITC or KFS; the 2020 usage guide's ₹400 to ₹5,000 is used with no cap.
- 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 utilities points capping table names Yes Private (no capping) but not Private Prime, so no utilities cap is known for Prime; utilities earn at the domestic rate here without a cap.
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 Prime 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, Private Prime usage guide (undated) (Product page, the bank's own, read 6 Nov 2026)