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YES Premia Credit Card

by Kshitiz V Sharma on

The Bottom Line

YES Premia Credit Card
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.

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.
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

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