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Yes Bank
YES Private Credit Card - NRI
Visa
YES Private Credit Card - NRI
YES Bank's invite-track super-premium card also has a standing NRI application route for high-net-worth NRE/NRO relationship customers, carrying unlimited lounge access and a lower forex markup than the bank's mass-market cards.
Annual fee
₹10,000
Joining fee
₹50,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access for primary and add-on cardholders
- International lounge access: Unlimited complimentary international lounge access for primary and add-on cardholders
- Golf: Complimentary golf rounds at partner courses in India
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
3% reward rate · Unlimited domestic and international lounge access for primary and add-on cardholders.
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,00,000
- Foreign currency markup: 2%
- Interest rate: 42% p.a.
Benefits
- Unlimited domestic and international lounge access for primary and add-on cardholders.
- 24x7 global concierge desk.
- Complimentary golf rounds at partner courses.
Pros
- + Lower-than-typical forex markup for a metal card
- + Unlimited lounge access
- + Dedicated NRI relationship servicing
Cons
- − High joining/annual fee
- − Effectively invite-only for most applicants
Best for