All cards / Yes Bank
YES Private Credit Card
YES Bank's invite-only private banking card — the 0.5% forex markup and unlimited lounge access with 12 guest visits are genuinely best-in-class — but it's gated behind a ₹5 crore total relationship value, not income alone, so it's out of reach unless YES Bank invites you.
Annual fee
₹10,000
Joining fee
₹50,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 800+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access with 12 complimentary guest visits per year
- International lounge access: Unlimited complimentary international lounge access with 12 complimentary guest visits per year
- Golf: 12 complimentary golf rounds per year (max 3/quarter) plus 12 complimentary golf lessons per year (max 3/quarter)
- Insurance benefits: Air travel accidental death cover up to ₹5 crore; Credit Shield cover up to ₹15 lakh on accidental death of the primary cardholder
Benefits by category
- ✈️ Travel
0.75% reward rate · Unlimited domestic and international lounge access with 12 complimentary guest visits/year
- 🏨 Hotel
Complimentary golf games and lessons, plus hotel privilege tie-ups
- 🛡️ Insurance
Comprehensive travel and emergency insurance cover
- 🌍 Forex / international spend
Just 0.5% forex markup, among the lowest of any card in India · 0.5% forex markup on international transactions
Eligibility
- Minimum credit score: 800
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,00,000
- Foreign currency markup: 0.5%
- Interest rate: 42% p.a.
- Cash advance charges: Cash advance fee waived
Benefits
- Unlimited domestic and international lounge access with 12 complimentary guest visits/year
- Just 0.5% forex markup, among the lowest of any card in India
- 24x7 concierge with VIP airport meet-and-greet
- Complimentary golf games and lessons, plus hotel privilege tie-ups
- Comprehensive travel and emergency insurance cover
Pros
- + Rock-bottom 0.5% forex markup
- + Unlimited lounge access with 12 guest visits/year
- + White-glove concierge and travel privileges
Cons
- − Invite-only; requires a ₹5 crore banking relationship, not just high income
- − ₹10,000 fee even for qualifying customers
- − Reward rate is unremarkable for the fee tier
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