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YES Premia Credit Card

YES Premia Credit Card

Last Updated : Sept. 29, 2021, 6:30 p.m.

The YES BANK has introduced a new credit card for its elite customers. The name of the card is YES Premia Credit Card that has a lot of offers and exciting discounts. You can grab some reward points and redeem them in shopping at the YESRewardz. The YESRewardz has a long list of products where you can use the reward points for redemption. On the other hand, enjoy free visits to the Airport Lounges and get flat discounts on movie tickets booked from BookMyShow. You can also cut off the yearly fuel expenses through the fuel surcharge discount that is available on this credit card. All the feature sounds interesting so you can have a look at all the benefits of this card.

YES BANK Premia Credit Card – Features and Benefits

You can have a look at all the exciting features of this credit card and then think of making the optimum use of all the offers.

Reward Points Offers

  • Earn 3 Reward Points per INR 200 spent on selected categories.
  • 6 Reward Points per INR 200 spent on other categories
  • Earn 750 Reward Points on each YES PayNow registration
  • 1 reward point equals to INR 0.25 on redemption
  • A discount of 25% on movie tickets upto INR 250 per month at
  • Reward Points can be redeemed against gift catalogue
  • Reward Points can be redeemed at a dedicated website for flights, hotels and movie tickets
  • Redemption of Reward Points against Air Miles where 10 Reward Points equal to 1 InterMile or 1 Club Vistara Point

Terms and Conditions

  • Mastercard has defined Merchant Category Codes under which all the transactions are eligible. The codes are MCC (5411, 5311, 5812, 5813, 5814).
  • No Reward Points will be earned on fuel purchase, EMI Transactions, and cash advances.

Reward Points Redemption

YESRewardz official website will help you to redeem all the reward points. There is a list of products that you can buy through the points. You can redeem the points in the vouchers of various brands, booking hotels, and flights. 1 Reward point is equal to 25 paise that means you have to accumulate 4 reward points for making 1 rupee.

Movie Discounts

  • Enjoy flat 25% off on movie tickets booked from BookMyShow.

Terms and Conditions

  • The maximum discount in a month is ₹250.
  • You have to book a ticket from the BookMyShow official website or application.

Free Visits to Airport Lounges

  • Enjoy 2 Free Visits to the Airport lounges outside India.
  • Get the Priority Pass Membership for free.
  • Enjoy 1 visit per calendar quarter to the airport lounges under the Mastercard/Visa Program.

Terms and Conditions

  • The entrance fee is applicable to the accompanying guest.
  • Visits beyond 2 free visits are chargeable.

Lifestyle Benefits

  • Get 4 Free Green Fee at the selected golf courses in India.
  • Get one free golf lesson every month through YES Premia Credit Card.

Insurance Cover and Fuel Surcharge Discount

  • Get an insurance cover on the credit liability in case of the death of the primary card holder of ₹2.5 Lacs.
  • Enjoy the fuel surcharge waiver of up to ₹250 every month at all the refilling stations.

Terms and Conditions

  • Fuel surcharge discounts are only available between the transaction range of ₹400 to ₹5000.

Other Features of the YES Premia Credit Card

Contactless Payment:- Just touch the card on the vendor’s machine and initiate the payment. This feature of the credit card will help you make faster payments without entering a PIN or an OTP. A touch of the on the machine is enough for making the payments.

Safe Payments:- As you know that the YES BANK Credit Card has an EMV chip that enables safe payments at the counters. You can’t make a payment through a credit card without entering a PIN or an OTP unless and until you are making a contactless payment.

Convert Transaction into EMIs

This credit card has the facility to convert high transactions into EMIs. You can easily convert the transactions of above ₹2500 into EMI as per your convenience. Let’s have a look at some of the benefits of this feature.

  • No need for any documentation formalities.
  • No Processing Fee is chargeable.
  • The Repayment tenure falls between 3 months to 24 months.
  • The interest rate is between 12% to 15%.

YES Premia Credit Card Fee, Charges and Eligibility Criteria

ParticularsDetailsTerms & Conditions
Annual FeeINR 999 + GST
  • The first year membership fee is charged in the first credit statement
  • The membership fee will be waived if you do retail spends of INR 25,000 within 90 days of the card set up date
Renewal FeeINR 999 + GST
  • The renewal fee is payable in the first statement post renewal
  • If you do retail spends of INR 1,50,000 within 12 months prior to the date of renewal, the renewal fee will get waived
Interest Rate3.50% per month
  • On the revolving credit, the bank charges an interest over the due amount that is 3.50% per month
  • And annually, the total interest rate could go up to 42%
Foreign Currency Markup Fee2.50%
  • Transactions made for foreign purchases come with a mark-up fee
  • It is payable with the monthly bills and added to your billing cycle

Eligibility Criteria

  • 23 Years is the minimum age criteria for the individual.
  • 60 Years is the maximum age criteria for the individual.
  • Net Salary of the Salaried person must be ₹1.2 lacs per month.
  • The Self-Employed individual must file an ITR of at least ₹14.40 lacs.

Payment Options for YES Premia Credit Card

  • Make YES BANK Credit Card Online Payment through Mobile Application.
  • Clear the dues of the credit card through the ATM Fund Transfer.
  • Use National Electronic Fund Transfer for making the payment from another bank.
  • Clear the YES Premia Credit Card bills through standing instructions.
  • Enter the IFSC code YESB0CMSNOC for making the credit card payment through NEFT from another bank.
  • You can also make payments through cheque or cash.

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