YES Private Prime Credit Card

The Bottom Line

High Fee, Invite Only Card

24 reward points / ₹200 on foreign spends and 16 points on all domestic spends. High Joining and Annual Fee.

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-14.9%^	-6.3%^	-2.1%^	0.4%	1.3%
Est. Monthly Reward (₹)	(745)	(635)	(420)	210	1,280
All-India Rewards Rank*	369	369	369	285	81
Within Bank Rank*	16	16	16	13	2
* 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 Private Prime Credit Card is a invite only card. It gives 3% effective reward on foreign spending and 2% on all other domestic spending. The Private Prime has a high annual fee of ₹10,000 and a joining fee of ₹20,000.

Overall, we estimate you can earn a net reward yield of 0.4-1.3% on spending above ₹50,000 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 Private Prime Credit Card
Card Type	Reward
Reward Features	24 Reward Points / ₹200 on foreign spends 16 Reward Points / ₹200 on all domestic spends
Milestone Rewards	Nil
Other Rewards	– Complimentary Lounge Key membership – 1 Domestic and International Airport Lounge Visits / Qtr. – 15% discount on Car rentals on Six Rent a Car – 12 Complimentary Golf Games / Year – 4 Complimentary Golf Lessons / Year – 1+1 movie tickets on BookMyShow (4 Times / mth.) – 50% off on event tickets at BookMyShow (Capped at ₹1,000 / mth.)
Rewards Redemption Fee	Nil
Reward Caps	Unlimited
Preferred Redemption Method	Redeem on YES Rewardz Portal 1RP = ₹0.25

Fees & Charges

Card		YES Private Prime Credit Card
Joining Fee		₹20,000 + Taxes
Annual Fee		₹10,000 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹20 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		35.00% p.a.
Foreign Currency Markup		1.75%
Cash Advance Charge		Nil