YES Premia Credit Card

The Bottom Line

Average Fee, Below Average Rewards

12 Reward Points / ₹200 on travel & dining, 3 points on tax payments, utilities & government services and 6 points on all other spends.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-1.1%^	-0.1%^	0.8%	0.8%	0.9%
Est. Monthly Reward (₹)	(55)	(10)	160	420	865
All-India Rewards Rank*	227	246	112	164	159
Within Bank Rank*	13	13	6	8	8
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The YES Premia Credit Card gives 1.5% effective reward on dining & travel, 0.38% on select categories (tax payments, utilities, government services ) and 0.75% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.8-0.9% on spending above ₹20,000 with this card in a month.

The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.

You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	YES Premia Credit Card
Card Type	Reward
Reward Features	12 Reward Points / ₹200 on: – Travel – Dining 6 Reward Points / ₹200 on all other spends 3 Reward Points / ₹200 on: – Tax payments – Utilities – Government Services
Milestone Rewards	Nil
Other Rewards	– 2 Complimentary International Airport Lounge Visits / Year – 3 Complimentary Domestic Airport Lounge Visits / Year – 4 Complimentary rounds of Golf / Year – 25% discount on movies on booking via BookMyShow (up to ₹250 / mth.)
Rewards Redemption Fee	₹100
Reward Caps	2,500 rewards points on Travel and Dining
Preferred Redemption Method	Redeem on YES Rewardz Portal 1RP = ₹0.25

Fees & Charges

Card		YES Premia Credit Card
Joining Fee		₹999 + Taxes
Annual Fee		₹999 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹2 Lacs
Income Criteria	Salaried	₹1 Lacs p.m.
Income Criteria	Self-employed	ITR>₹9Lacs
Supplementary Card Fee		Free
Interest Rate		43.20% p.a.
Foreign Currency Markup		2.75%
Cash Advance Charge		2.50% with a minimum of ₹300