What is the annual fee of the YES Private Credit Card?

Rs 10,000 a year, before GST. It is waived if you spend Rs 25,00,000 in a year.

Does the YES Private Credit Card give airport lounge access?

Yes. In India: Unlimited, no spend condition. Outside India: Unlimited. Conditions: 12 complimentary guest visits per calendar year (domestic and international combined). International online transactions must be enabled.

What is the forex markup on the YES Private Credit Card?

0.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the YES Private Credit Card?

No points on rental, wallet and fuel transactions, cash withdrawals, Post Purchase EMI and Instant EMI (issuer NRI page). The aggregator list also named government and tax; the page does not.

M16S / Yes Bank / YES Private Credit Card

super-premium · rewards, travel

YES Private Credit Card

Yes BankMastercardLast checked 12 Oct 2026invite-only

The YES Private Credit Card costs Rs 10,000 a year, waived if you spend Rs 25,00,000 in a year. Its base return is 2.5% (20 YES Rewardz points per Rs 200 on domestic spends). Accelerated earn: 40 YES Rewardz points per Rs 200 on international spends. The forex markup is 0.5%. Lounge visits in India: Unlimited, no spend condition. Abroad: Unlimited. Read from the issuer's documents and an aggregator on 12 Oct 2026.

Annual fee: Rs 10,000+ GST
Fee waived at: Rs 25,00,000annual spend
Base return: 2.5%
Forex markup: 0.5%
Interest: 2.99%a month

Fees

Joining fee	Rs 50,000
Annual fee	Rs 10,000
Annual spend that waives the fee	Rs 25,00,000
Fee notes	Joining Rs 50,000 (not waivable); annual Rs 10,000 waived on Rs 25 lakh spend in 12 months. Also issued as YES Private for NRI.

Rewards

Welcome benefitunverified	2,00,000 YES Rewardz points as joining benefit, credited the month after the membership fee is paid (issuer NRI page). Aggregator also lists Oberoi e-gift vouchers worth Rs 9,000 (not on the issuer page).
Reward currency	YES Rewardz points
Base earn	20 YES Rewardz points per Rs 200 on domestic spends
Base returnunverified	2.5%
Point valueunverified	Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn	40 YES Rewardz points per Rs 200 on international spends
Caps	No earn cap stated; no utility earn cap. Redemption on flights/hotels capped at 70% of invoice and 6,00,000 points a month; vouchers capped at Rs 25,000 worth a month.
Spends that earn nothing	No points on rental, wallet and fuel transactions, cash withdrawals, Post Purchase EMI and Instant EMI (issuer NRI page). The aggregator list also named government and tax; the page does not.
Points expiry	3 years from earning
Reward notes	Redemption fee waived on YES Private (MITC). Earn rates now from the issuer's YES Private for NRI page. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 10 points per Rs 100 x Rs 0.25 = 2.5%.

Transfers

Partners	Air India Maharaja Club
Ratio	8 points : 1 Maharaja Point; minimum balance 2,000 points; credited within 7 working days

Travel and perks

Domestic lounge	Unlimited, no spend condition
International lounge	Unlimited
Lounge conditions	12 complimentary guest visits per calendar year (domestic and international combined). International online transactions must be enabled.
Forex markup	0.5%
Fuel surcharge waiver	1% on Rs 500-5,000 transactions, no cap
Other freebiesunverified	Issuer NRI page: Buy 1 Get 1 on BookMyShow movie tickets, up to 4 free tickets a calendar month; purchase protection (accidental damage cover for 6 months on mobiles and electronics bought online); golf programme on the Mastercard network (rounds not stated). Aggregator: 12 golf rounds a year (max 3 a quarter) and lessons; 24x7 concierge. Up to 5 add-on cards.

Charges and eligibility

Interest per month	2.99%
Late payment fee	Waived for YES Private
Cash advance fee	Waived for YES Private (interest still applies)
Eligibility	Invitation only, tied to a YES Private banking relationship; no published criteria for residents. NRI variant (issuer page): age 21-60, NRE/NRO fixed deposit of Rs 20 lakh or more with the bank, auto-debit of total amount due from the NRE/NRO account; existing YES BANK credit cardholders not eligible.
Fine-print notes	Issuer product page read 12 Oct 2026: there is no resident YES Private page in the set; the URL recorded is the YES Private for NRI page and everything taken from it is the NRI variant's text. It confirms joining fee Rs 50,000, renewal Rs 10,000 waived on Rs 25 lakh retail spend, 20/40 points per Rs 200 (domestic/international), the 2,00,000-point joining benefit and a foreign currency mark-up of 0.5% (stated twice on the page; matches the catalog). Network: the golf footnote names MasterCard as network partner, which matches the catalog. Differences on the NRI page: interest 2.49% a month (resident card 2.99% per MITC); fuel surcharge waiver capped at Rs 1,000 per statement cycle, whereas the MITC reading recorded 'no cap' (MITC value kept; treat the cap as unresolved); utility fee threshold Rs 50,000 a month (catalog note has Rs 1,00,000 from the MITC); the lounge footnote says domestic lounge access is subject to a spend threshold, whereas the MITC reading says no spend condition. Lounge counts and point values are not on the page. \|\| Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 1,00,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Auto-debit failure and cheque-return charges waived. YES Bank product pages need JavaScript and could not be read.

Questions

What is the annual fee of the YES Private Credit Card?: Rs 10,000 a year, before GST. It is waived if you spend Rs 25,00,000 in a year.
Does the YES Private Credit Card give airport lounge access?: Yes. In India: Unlimited, no spend condition. Outside India: Unlimited. Conditions: 12 complimentary guest visits per calendar year (domestic and international combined). International online transactions must be enabled.
What is the forex markup on the YES Private Credit Card?: 0.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Private Credit Card?: No points on rental, wallet and fuel transactions, cash withdrawals, Post Purchase EMI and Instant EMI (issuer NRI page). The aggregator list also named government and tax; the page does not.