At a Glance
Key Benefits
Reward points, 0.50% forex markup
Lounge Access
Unlimited domestic + Unlimited intl lounges/year
Eligibility
Income: Above Rs 1 Lakh/month, Age: 21-60 years, CIBIL: 750+
Quick Details
Reward Structure
All Spends
International Spends
Reward Calculator
Milestone Benefits
200,000 bonus reward points
value
25,000 points on first transaction
value
50,000 points on Rs.10L spend in 90 days
Spend ₹10,00,000 within 90 days
value
Airport Lounge Access
visits
+ 12 guest visits
visits
+ 12 guest visits
Insurance Coverage
Air Accident
₹5,00,00,000
Emergency Medical
₹1,00,00,000
Lost Card
₹10,00,000
Personal Accident
₹15,00,000
Lifestyle Perks
Golf
12 /year
12 complimentary green fees at premium courses
Golf
12 /year
12 complimentary golf lessons
Concierge
24x7 Mastercard World Elite concierge
Movies
4 /month
Buy 1 Get 1 on BookMyShow
Fuel Surcharge
Fuel surcharge waiver on Rs.400-5000 transactions
Quick Analysis
The YES Private Credit Card is an ultra-premium offering for UHNIs with exceptional forex benefits and industry-leading international reward rates. The 0.5% forex markup and 20% international rewards make it unbeatable for global travelers. Best suited for those who can maintain the Rs.5 crore relationship and want premium travel/lifestyle benefits.
Pros
- Exceptional 0.5% forex markup - lowest in India
- 40 RP per Rs.200 on international (20% rate)
- 16 RP per Rs.200 on domestic (8% rate)
- Unlimited lounge access via LoungeKey (850+ lounges)
- Rs.5 crore air accident insurance
- Rs.1 crore overseas medical coverage
- 12 golf rounds + 12 lessons per year
- 24x7 Mastercard World Elite concierge
- No cash advance, late payment or overlimit fees
Cons
- Rs.50,000 joining fee is substantial
- Invite-only requiring Rs.5 crore relationship
- Reward point value reduced to Rs.0.15 for vouchers
- Monthly redemption caps (6 lakh points)
- Point value devalued from Rs.0.25 in 2024
- Requires Rs.3 crore liability relationship minimum
Best For
Ultra HNIs, international travelers, golf enthusiasts, luxury lifestyle seekers
Not Ideal For
Budget conscious users, domestic-only spenders, those without YES Bank relationship
Frequently Asked Questions
What are the fees for YES Private Credit Card?
What is the eligibility criteria for YES Private Credit Card?
What rewards does YES Private Credit Card offer?
Does YES Private Credit Card offer airport lounge access?
How can I apply for YES Private Credit Card?
User Reviews
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