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YES Private Credit Card

YES Private Credit Card is a premium lifestyle card offering exceptional travel and reward benefits. Cardholders enjoy unlimited domestic and international lounge access, exclusive hotel privileges, and accelerated 2X reward points on international spends. With its luxurious features and high-value perks, this card is ideal for frequent travellers seeking comfort and elite experiences.

YES Private Credit Card

About YES Private Credit Card

YES Private Credit Card is an exclusive, invitation-only offering designed for individuals seeking top-tier travel and lifestyle privileges. With an annual fee of Rs. 10,000, it stands in the same league as other luxury cards such as Axis Reserve and Amex Platinum. The card provides elite advantages, including VIP airport assistance, premium hotel partnerships, unlimited access to lounges worldwide, and complimentary golf sessions. It also comes with a competitive forex mark-up of just 0.5%, making it one of the lowest among high-end Indian credit cards.

Although the card delivers exceptional lifestyle perks, its reward rate is modest for domestic spends, offering around 2.5% value-back. International transactions fare better, with returns of about 5%, which after adjusting for forex charges translates to an effective 4.5%—a strong value for overseas spending.

Note: This credit card is issued strictly by invitation. Details provided here are for informational use only.

YES Private Rewards Program & Introductory Benefits

Reward Structure

  • Earn 20 reward points for every Rs. 200 spent on domestic purchases.

  • Receive 40 reward points per Rs. 200 spent on international transactions.

  • Each reward point carries a value of Rs. 0.25.

Joining Benefits

  • Get 2,00,000 bonus reward points as a welcome bonus.

  • Earn an extra 50,000 reward points by completing Rs. 10 lakh retail spends within the first 90 days of receiving the card.

  • Enjoy an Oberoi e-gift voucher worth Rs. 9,000 as an added privilege.

Travel Benefits on YES Private Credit Card

Airport Privileges

  • Access premium “Airport by Invitation” services, including priority check-in, private lounge use, chauffeured transfers, and support with immigration and customs formalities.

  • Enjoy VIP meet-and-greet assistance at major airports.

  • Additional facilities such as personal shopping support, luxury car transfers, meeting room reservations, tarmac transfers, and dedicated airport courier services.

Lounge Access

  • Unlimited domestic lounge entry for both primary and add-on users, plus 12 complimentary guest visits per year.

  • Unlimited international lounge access with an additional 12 complimentary guest visits annually.

Vacation Benefits

  • Save $100 per traveller on Globus and Monogram holiday packages when booked via Mastercard Travel & Lifestyle Services.

Hotel Privileges

  • Enjoy perks such as free room upgrades, complimentary breakfast, early check-in options, hotel credits, and more at luxury hotel brands including Hyatt, Intercontinental, Shangri-La, and others.

Air Charter Benefits

  • Avail up to $1,000 savings on round-trip private charter bookings with Vitesse Worldwide, along with $500 off on associated ground transfers.

  • Save up to $500 on one-way charter bookings plus $200 off ground transportation.

Cruise Travel Benefits

  • Receive up to $75 savings per person on cruise bookings with Avalon Waterways through Mastercard Travel & Lifestyle Services.

Car Rental Offers

  • Get 35% off on a 3-day rental (maximum $100/day) with Avis.

  • Enjoy 10% off on a 3-day rental (up to $200/day) with Hertz.

Low Forex Mark-up

  • Benefit from a preferential 0.5% foreign exchange mark-up fee on all international transactions.

Other Features and Privileges

Beyond its strong travel and reward offerings, the YES Private Credit Card also provides a variety of lifestyle, entertainment, and protection benefits:

Golf Privileges

  • Enjoy 12 complimentary green fee visits annually (maximum 3 per quarter) at select premium golf clubs across India.

  • Get 12 free golf lessons each year (up to 3 per quarter).

  • Receive 4 complimentary guest green fee entries per year (limit of 1 per quarter).

Entertainment Benefits

  • Avail Buy 1 Get 1 on BookMyShow movie tickets, up to 4 free tickets per month (worth Rs. 250 each).

  • Get 50% discount on BookMyShow event bookings once a month, with savings of up to Rs. 1,000.

Health & Wellness Benefits

  • Access to a dedicated personal health advisor for the cardholder, spouse, parents, and children.

  • Connect with a wide network of 10,000+ medical professionals worldwide for expert guidance.

Insurance & Security Features

  • Credit Shield Insurance covering up to Rs. 15 lakh on outstanding dues in case of accidental death of the primary cardholder.

  • Lost card liability protection of up to Rs. 10 lakh.

  • Global emergency services, including immediate card replacement and cash advance support.

YES Private Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

YES Private Credit Card Fees and Charges

Fee Type Amount
Joining Fee Rs. 50,000 + Taxes
Annual Fee Rs. 10,000 + Taxes
Finance Charges 2.99% p.m. | 35.88% p.a.
Late Payment Charges Nil

Things to Know Before You Apply

Choose this card if:

  • You frequently travel abroad and want a card that provides strong value on international spending.

  • Premium travel support, such as VIP meet-and-greet and airport transfers, enhances your travel experience.

  • You prefer top-tier lifestyle benefits and exclusive services over a high reward earn rate.

  • You are a regular golfer who would benefit from complimentary rounds and coaching sessions.

Look for alternatives if:

  • You need a credit card that offers excellent reward-to-airmile conversion options.

  • You rarely travel and may not fully utilize luxury travel privileges.

Steps to Close YES Private Credit Card

If you want to close your YES BANK RESERV Credit Card, you should follow the official cancellation process provided by YES Bank to ensure your request is completed safely and without delays.

Information Required for Closure

  • Before initiating the request, keep the following details ready
  • Last 4 digits of your credit card
  • Date of birth
  • Registered mobile number

Methods to Close YES BANK RESERV Credit Card

  1. Net Banking
    • Log in to YES Bank net banking (YES Online) using your credentials
    • Go to the credit card section and raise a service request for card closure
    • Submit the request after completing the required verification steps
  2. Mobile Banking App
    • Open the YES BANK mobile banking app (IRIS App)
    • Navigate to the credit card services section
    • Select the option for card closure or cancellation and submit your request
  3. Phone Banking
    Contact YES Bank customer care and request credit card closure

    Complete verification using your registered details and follow the instructions provided

Email Request

  • Send a closure request from your registered email ID to creditcard.closure@yesbank.in
  • Include your name, last four digits of the card, and reason for closure

Important Points

  • Ensure all outstanding dues, EMIs, and pending charges are fully cleared before requesting closure
  • Redeem any reward points or benefits before closing the card
  • Cancel all auto-debits, subscriptions, and standing instructions linked to the card
  • Do not use the card after submitting the closure request
  • Keep a copy of your request or reference number for tracking

After Closure

  • Cut the physical card through the chip and magnetic stripe once closure is confirmed
  • Check your credit report after a few weeks to ensure the status is updated as “Closed”
  • Report any discrepancy immediately to YES Bank support team

YES Private Credit Card Helpline Number

If you need assistance related to your YES Private Credit Card, you can contact the customer support team of YES Bank. The bank offers multiple support channels for billing queries, payments, reward points, card blocking, and closure requests.

General Customer Care (India)

  • 1800 1200 (Toll-Free)
  • 1860 210 1200 (Charges may apply as per your service provider)
    Timings: 8:00 AM to 8:00 PM
    Only essential services are available beyond these hours

Credit Card Support

Email Support

Credit Card Closure / Cancellation

Mis-selling / Complaint Support

International Customer Support

Country-Specific Numbers

NRI Support Email
nri@yes.bank.in

Grievance Redressal

FAQs

What is the value of 1 reward point on the YES Private Credit Card?

Each reward point is worth Rs. 0.25. You can redeem points on the YES Rewardz portal for travel bookings, gift vouchers, merchandise, or transfers to select airline and hotel loyalty programs.

Yes. The card allows you to transfer accumulated reward points to partnered airline and hotel loyalty schemes.

Cardholders are entitled to 12 free guest lounge entries per year, applicable across both domestic and international lounges.

A forex mark-up is the extra charge applied on transactions made in foreign currency. While most cards levy around 3.5%, the YES Private Credit Card charges only 0.5%. For example, on a Rs. 20,000 international spend, you would pay just Rs. 100 instead of Rs. 700 on standard cards.

Yes. You can avail up to 4 complimentary movie tickets per month (worth Rs. 250 each). For BookMyShow events, you get 50% discount up to Rs. 1,000 once every month.

You receive 2,00,000 bonus points upon paying the joining fee. If you spend Rs. 10 lakh within the first 90 days, you earn an additional 50,000 reward points.