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YES Private Credit Card credit card
Premium

YES Private Credit Card

YES Bank logo YES Bank
7.6
CardTrail Score
Very Good
out of 10
💰 Net Value
6.2
🔓 Accessibility
6.3
⚡ Feature Depth
6.8
🏦 Bank Trust
5.0
How we score →
Compare This Card Full Details
Annual Fee
₹10,000
Forex Markup
0.5%
Reward Rate
2.5%
Up to 5%
Lounge Access
Unlimited
domestic | Unlimited intl

About This Card

YES FIRST Preferred offers competitive perks — 1.75% forex, solid lounge access, and a generous welcome bonus. The elephant in the room is YES Bank's brand perception after its 2020 crisis. If you can look past that, the card-level value is strong.

Pros & Cons

Pros

  • 1.75% forex is competitive
  • 10,000 welcome points is generous
  • Good lounge access
  • 4X on dining/travel

Cons

  • YES Bank brand perception after crisis
  • Reward ecosystem is limited
  • Points redemption value varies
  • Less stable issuer

Fee Details

Annual Fee
₹10,000
Joining Fee
₹50,000
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
2.5%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
2,00,000 Reward Points

Lounge Access

Domestic Lounges
Unlimited
International Lounges
Unlimited

Key Highlights

  • + 1.75% forex — competitive
  • + Generous welcome bonus
  • + 8+4 lounge visits
  • + 4X on dining and travel

Compare With...

See how YES Private Credit Card stacks up against top alternatives

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9.3
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9.1
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Quick Summary

Best For
travel value
Annual Fee ₹10,000
Base Reward 2.5%
Max Reward 5%
Forex Markup 0.5%
Network Visa Signature
Min Income ₹6L+
Compare This Card

CardTrail Score

7.6
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel value

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