All cards / Yes Bank
YES Private Prime Credit Card
Visa
YES Private Prime Credit Card
Private Prime sits one notch above YES Bank's existing Private card, aimed at clients maintaining roughly ₹5 crore in relationship value with the bank. It undercuts most rivals on annual fee for what it delivers — unlimited lounge access, near-negligible forex markup, and golf privileges — but like its sibling card it's invite-only and tied to a YES Private banking relationship rather than being something you can apply for cold.
Annual fee
₹10,000
Joining fee
₹20,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
2% reward rate · Unlimited complimentary airport lounge access in India and abroad.
- 🌍 Forex / international spend
Low 0.5% forex markup on international transactions. · 0.5% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹1,40,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0.5%
- Interest rate: 3.5% p.a.
Benefits
- Unlimited complimentary airport lounge access in India and abroad.
- Complimentary golf games and lessons at select courses.
- Buy-one-get-one movie ticket offers, up to 4 tickets a month.
- Low 0.5% forex markup on international transactions.
- VIP airport meet-and-greet and 24/7 private banking concierge line.
Pros
- + Very low 0.5% forex markup for a super-premium card
- + Unlimited domestic and international lounge access
- + Comparatively modest annual fee for the benefit set
- + Golf and concierge privileges included
Cons
- − Invite-only, tied to a ₹5 crore+ YES Private banking relationship
- − Base reward rate is thin outside bonus categories
- − Few public details on redemption value of reward points