All cards / Yes Bank
Yes Bank
Yes Premia
Visa
Yes Premia
A balanced mid-tier card with solid grocery/dining/departmental-store multipliers and quarterly domestic lounge access — fuel spend is excluded from all rewards.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,599
Joining fee
₹1,599
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining4%
- Groceries4%
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2 domestic lounge visits/quarter (Mastercard program) + 2 international visits/year (Priority Pass)
Pros
- + Good grocery/dining rewards
- + Quarterly domestic lounge access
Cons
- − Fuel spend earns no rewards
- − Fee waiver spend threshold is on the higher side
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