YES Premia Credit Card is one of the premier credit cards offered by YES Bank. The card comes with versatile features that offer benefits in most of the key lifestyle aspects including travel, shopping, dining, entertainment, and others. The never expiring reward points is one more interesting aspect of the Premia card, which also offers a complimentary accidental insurance for the primary cardholder. Let’s explore the various features and benefits of the credit card to get a comprehensive idea.
|Type of credit card fee||Amount|
|First year membership fee||NIL|
|Add-on card fee||NIL for up to 3 add-on cards|
|Interest charges on revolving credit and cash withdrawals (for YES Bank’s existing customers)||2.99% per month or 35.88% p.a.|
|Interest charges on revolving credit and cash withdrawals (for first time YES Bank customers)||3.22% per month or 38.64% p.a.|
|Cash advance or withdrawal fee||2.5% of the withdrawn amount or Rs.300, whichever is higher|
|Late payment fee||For statement balance less than Rs.100 – NIL From Rs.100 to Rs.500 – Rs.100 From Rs.501 to Rs.5,000 – Rs.400 From 5,001 to Rs.20,000 – Rs.500 Rs.20,000 and above – Rs.700|
|Preferential foreign currency mark-up fee||2.50%|
|Over limit fee||2.5% of over limit amount subject to a minimum of Rs.500|
|Cheque return charges||Rs.350 per instance|
|Reward redemption fee||Rs.100 per request|
|Card re-issuance fee||Rs.100 per card|
|Cash deposit at bank branches||Rs.100|
You can apply for YES Premia Credit Card by contacting YES Bank’s Credit Card customer care. You can use the toll-free number 1800 103 1212 to get in touch with YES Bank’s customer care representatives.
Alternatively, you can use Bank Bazaar website to apply for the YES Premia Credit Card. You will get 100% paperless approval by applying through Bank Bazaar. Simply, visit bankbazaar.com, click on ‘Credit Cards’ section, select ‘YES Bank’ from the filter to see only YES Bank credit cards. Find the YES Premia Credit Card from the list and click on ‘Check Eligibility’ to know whether or not you’re eligible to apply for the card. In case, you’re eligible, you can apply for the card on the same portal by following the instructions.
The applicant should meet the following criteria to apply for YES Premia Credit Card.
The following documents are the minimum requirement to apply for the card. The bank, based on each customer, may ask for additional documents.