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    YES Premia Credit Card
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    YES Premia Credit Card

    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.

    Features And Benefits Of Yes Premia Credit Card

    • Attractive reward points programme: Every time you shop with your YES Premia Credit Card, you will earn attractive reward points as mentioned below.
      • Every Rs.100 spent on retail category, excluding fuel transactions, will bring 4 reward points.
      • For spends related to groceries, dining and purchases at supermarkets, you can earn 5 reward points for every Rs.100 spent.  
      • Register with YESPayNow, the standing instruction facility on the Premia credit card to pay utility bills, and get 750 reward points on each registration.
      • You can redeem the accrued reward points for flight ticket bookings, hotel, and movie ticket bookings. One reward point can be exchanged for Rs.0.25.
      • You can also choose other redemption options from YES Bank’s exclusive catalogue which provides a wide array of products including electronics, mobiles, gift cards, personal care items and others.
      • Reward points on the Premia Credit Card can also be redeemed for Jet Privilege (JP) Miles. Each JP mile is equal to 4 reward points.  
      • And guess what, the accrued reward points never expire.
    • Air lounge privileges: Having a Premia Credit Card will make you eligible for complimentary lounge access at both national and international airports.
      • Cardholders will get free membership to Airport Priority Pass Programme which provides access to more than 700 airports across the globe.
      • You will also receive two complimentary visits to international airport lounges per calendar year. Only primary card members are eligible for the free visits. Any accompanying guests to the lounge and the 3rd lounge visit by the card member in the same year will be charged at US$27 per visit per person.
      • Through MasterCard privileges, cardholders will also receive 2 free lounge visits per quarter to domestic airports in India. The free visits are applicable only for primary cardholders, who can visit more than 25 airport lounges located in India.
    • Access to MasterCard World Golf programme: If you’re a golf enthusiast, the YES Premia Credit Card is a must-have in your wallet. You can enjoy the following benefits at no additional cost.
      • Access any 4 golf courses in India without paying the green fee.
      • Every month, you get a free golf lesson at select golf courses in India.
    • Movie benefits: Watch movies in your favourite theatres at discounted prices. Book the tickets through BookMyShow using your Premia Credit Card and get 25% discount on every booking. The maximum discount you can avail per month is capped at Rs.250.
    • Free insurance cover: Primary members will receive an insurance cover worth Rs.2.5 lakh applicable for accidental death.
    • Contactless payments: The Premia Credit Card allows you to conduct contactless transactions at the point of sale terminals. Powered by NFC technology, the feature allows quick and secure transactions at merchant terminals that accept contactless payments.
    • Fuel surcharge waiver: Use the Premia Credit Card at any of the petrol stations in India and avail fuel surcharge waiver. The surcharge waiver is applicable only on transactions worth Rs.400 to Rs.5,000. The maximum waiver in a statement cycle is capped at Rs.250.
    • Instant EMI conversion: You can convert big-ticket purchases on the card to easy monthly instalments (EMI) and pay them back in little amounts every month.
      • Any transaction above Rs.2,500 can be converted into EMI.
      • The repayment tenures range from 3 to 24 months.
      • No processing fee will be charged and zero documentation required.
      • Interest charges range from 12% to 15% per annum.
      • You can avail the EMI facility by simply calling YES Touch customer care.
    • Loan on your credit card: Termed as ‘Quick Loan’ facility, YES Bank offers immediate funds to select Premia Credit Cardholders. The loan amount will be within the credit limit of the card and the approved amount will be disbursed within 3 working days.

    Fees And Charges Associated With Yes Premia Credit Card

    Type of credit card fee Amount
    First year membership fee NIL
    Renewal 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

    How To Apply For Yes Premia Credit Card?

    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.

    Eligibility To Apply For Yes Premia Credit Card

    The applicant should meet the following criteria to apply for YES Premia Credit Card.

    • Minimum age is 21 years and the maximum is 60 years
    • Both salaried and self-employed are eligible
    • For salaried, the minimum net salary should Rs.1.2 lakh per month and for self-employed income tax returns should be Rs.15lakh or above.

    Documents Required 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.

    • KYC documents such as PAN card, address proof, and ID proof
    • Copy of salary slip or Form 16

    YES Premia Credit Card Reviews

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