YES PRIVATE Credit Card
YES Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
shopping | 5% | No cap |
| All other spends | 2.5% | No cap |
Redemption fee: 100
Managed via YES Rewardz
Transfer partners
Live Offers
No active offers for this card right now.
Benefits
Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Complimentary domestic and international airport lounge access. YES publishes the entitlement in the card's own material rather than on the product page; 999 is this dataset's unlimited sentinel and should be read as 'no stated limit'.
Fuel Surcharge Waiver
1% fuel surcharge waiver. Note that fuel has earned NO reward points since 15 June 2026, and the acquirer's surcharge itself may run from 1% to 2.5% plus GST.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹50,000/yr |
| Renewal Fee | ₹10,000/yr |
| Fee Waiver | Spend ₹25,00,000/year |
| Forex Markup | 0.5% |
| Interest Rate | 47.88% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn. Not applicable to Virtual Credit Cards. |
| Reward Redemption Fee | 100 |
