YES Premia Credit Card
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YES PREMIA CREDIT CARD

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YES PREMIA CREDIT CARD

YES PREMIA CREDIT CARD

Yes Premia Credit Card is suitable for Rewards, Movie and Shopping Benefits. It has lots of other benefits like Insurance Cover, Fuel Waiver, etc. This card is suitable for the international traveler as well because it offers 2 Complimentary Priority Passes along with other luxury benefits as well.

YES Premia Credit Card Features

  • Accelerated Rewards: Accelerated Rewards on Grocery Stores & Supermarkets, Department Stores and Dining spends
  • Lounge Benefits: Priority Pass Membership with 2 complimentary access
  • Movie Benefits: 25% discount on movie bookings at BookMyShow
  • Dedicated Reward Redemption Portal: Dedicated Website for Flight/Hotel/Movie Ticket Booking with Exclusive Catalogue of Products
  • Contactless Card Technology: Contactless transaction on the Card enabled with NFC Technology
  • Global Acceptance: YES Premia Credit Card is accepted across the globe
  • Credit Shield:  Credit Shield cover in case of accidental death of Primary Card-holder
  • Cash Advance:  Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe.
  • YES PayNow - Easy Bill Pay Facility: Pay your utility bills using your YES Premia Credit Card; 500 Reward Points on each YES PayNow registration
  • Quick Loan: Get a Quick Loan (within the credit limit of your card) on your YES Premia Credit Card for your immediate funds’ requirements
  • Instant EMI / EMI-On-Call: Convert your transactions of INR 2500 and above into easy monthly installments; No documentation; No processing fees; attractive interest rates from 12% to 15% pa; tenure options of 3 to 24 months
  • Balance Transfer on EMI: You can save money while paying your credit card dues using Balance Transfer Facility for your YES Premia Credit Card; minimum of INR 2500; interest rates of 12%-15% pa
  • Card Protection Plan: Safeguard your YES Premia Credit Card in the event of card loss, theft, any related fraud, and emergencies with YES Bank’s Card Protection Plan (CPP)

Benefits of YES Premia Credit Card

  • Reward Points Program:
    • 8 Reward Points per INR 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends
    • 6 Reward Points per INR 200 on other categories
    • 750 Reward Points on each YES PayNow registration
  • Reward Points Redemption:
    • Visit YesRewardz to know more about redeeming Reward Points
    • Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
    • An exclusive catalogue of products to choose from
    • Redemption of Reward Points against Air Miles with InterMiles and/or Club Vistara (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
    • For NRI Card-holders, redemption only available for Flights, Hotels, and Movies only; catalogue redemption not available
  • Movie Benefits: 25% discount on movie tickets booked on BookMyShow Website or Mobile App
  • Fuel Surcharge Waiver: 1% Fuel surcharge waiver at all fuel stations across India for a transaction between INR 400 to INR 5000; total waiver in a statement cycle is capped at INR 250
  • Lifestyle Benefits: Great offers across travel/dining/shopping/wellness and more in select cities via YES Privileges
  • MasterCard Golf Privileges:
    • 4 complimentary rounds of green fees per calendar year at select Golf courses in India
    • 1 complimentary Golf Lesson every calendar month at select golf courses in India
  • Lounge Program:
    • Complimentary Priority Pass Membership 2 complimentary visits outside India in a calendar year for Primary Card member-only for Primary Card-holder only
    • Complimentary Domestic Lounge access (limited to 2 visits per quarter) for Primary Card-holder across 30+ Lounges in India
  • Insurance Coverage: INR 2.5 lakhs Credit Shield cover in case of accidental death of Primary Card-holder

YES Premia Credit Card Fees and Charges

Fee/Charge

Amount/Rate

Membership Charges

INR 1599+Taxes waived on total retail spends of INR 25000 within 90 days of card set up a date

Annual Renewal Charges

INR 1599+Taxes waived on total retail spends of INR 150000 within 12 months prior to the card renewal date

Credit card finance charge

3.5% per month (42% annually)

Minimum amount due each month

5% of balance outstanding

Interest free period

50 Days

Finance charge on cash advance

3.5% per month (42% annually)

Cash advance limit

30% of the credit limit

Cash advance fee - YES Bank, local ATMs

2.5% (minimum INR 300)

Cash advance fee - International ATMs

2.5% (minimum INR 300)

Over limit fee

2.5% of the over-limit amount or INR 500 whichever is higher

Foreign Currency Mark-up

2.5% on all international transactions

 

Eligibility Criteria of YES Premia Credit Card

You should be between the age group of 21 to 60 years with a monthly income of 1.2 lac per month and possess a good credit score of over 700 

  • Should be Salaried or Self Employed
  • Age between 21 years to 60 years
  • Should have a monthly income. For a salaried person, the minimum monthly salary should be INR 120000 and for self-employed and business persons, the minimum annual ITR should be INR 14.4 lakhs.
  • The Yes Premia Credit Card is also available against a Fixed Deposit of INR 200000 and above.
  • Should to produce all the necessary supporting documents while applying.
  • Must have a good credit score. Generally, a credit score of 700+ is considered good.

Documents Required for YES Premia Credit Card

1) Identity Proof: Aadhar Card, Passport, Voter ID, Driving License, PAN Card, Ration Card

2) Address Proof: Aadhar Card, Passport, Voter ID, Driving License, Electricity or Water Bill (Not more than 2 months old bill) 

3) Income Proof: Salary Slip (Last 3 months), Bank Statement (Last 3 months), Form 16/ITR, Audited Financial for Self Employed (Last 2 Years) 

How to apply for YES Premia Credit Card

  • Click on InvestmentCover 
  • Fill in the basic requirements like your Name, Occupation, Monthly Income, etc.
  • After you fill in the requirements, a list of suitable credit card options will be shown to you.
  • Select the option that suits your needs and apply for that credit card.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.
  • Additionally, you can visit the Yes Bank website and apply for a card online

Disclosure: Please Note: Bank will endeavor to issue the Card within 90 days from the date of application. In case of any further delay, the Bank will apprise you of the revised date of Card issuance.

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