Not available via the quiz
By invitation only.
YES PRIVATE Credit Card
YES BANK
₹50,000
Joining fee
₹10,000, waived at ₹25L spend
Annual fee
0.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Invite-only card - no standard application process; age/income/CIBIL not specified.
Lounge access
Unlimited domestic & international lounge visits
Guest Visits: 12 complimentary combined domestic/international guest visits annually, in addition to unlimited primary/add-on visits; no spend requirements mentioned for any lounge benefit.
Reward details
20 points per Rs 200 spent domestically (2.5% value-back)
- 40 points per Rs 200 spent (5% before forex; ~4.5% effective after the 0.5% forex deduction) on International spends
Welcome bonus: 2 lakh bonus points upon joining; an Oberoi e-gift voucher worth Rs 9,000
- Rs 10 lakh spend within 90 days: 50,000 additional points
Redemption
Via YES Rewardz Platform for travel bookings, transfer to select airline/hotel loyalty programs, or vouchers/merchandise
Ratio: Rs 0.25/point
Excluded from rewards: fuel, rent payment, cash advance, fees and charges, EMI transactions
- Private air charter discounts (unique perk per aggregator)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Excellent additional benefits; comprehensive blend of luxury travel benefits and unique perks like private air charter discounts; low forex rate appealing for international travelers — Paisabazaar
Complaints
- Low reward redemption value of Rs 0.25/point; only high-spenders can make the most of the rewards program; high annual fee of Rs 10,000; 2.5% domestic return rate 'relatively low' vs premium card standards — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, rewards, lounge, sentiment