Yes Bank Premia Credit Card

**Disclaimer: Yes Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

 

The Yes Premia credit card is the perfect option for individuals looking for premium benefits at an affordable fee. That’s not all. You can also avail a waiver of the Yes bank Premia credit card renewal fee by spending Rs. 1.5 lakhs in a year, making the card effectively free.

 

Also, this credit card comes with NFC technology that allows you to make fast and secure contactless payments at retail outlets. If you thought that the Yes Premia credit card benefits end with just these, then you’d be glad to know that’s not the case. Continue reading to find out what else is in store.

Yes Premia Credit Card Benefits and Features

Interested to know more about the card? Here’s a quick overview of some of the key features and benefits offered by the Yes bank Premia card.

  • Lifestyle Benefits

Get spoilt for choice with the Yes bank Premia credit card benefits. With the card, you get access to plenty of deals and offers across multiple categories such as dining, shopping, travel, wellness, and more.

  • Insurance Coverage

Afraid of leaving behind a huge debt? With the Yes bank credit card Premia, you don’t have to. If the primary card holder happens to face an untimely demise, they receive a credit shield cover of Rs. 2.5 lakhs, which can be used to settle credit facilities availed by them.

  • Complimentary Golf Program

Ever wanted to try golf? With the Yes Premia card, you finally can. At select golf courses in India, you can avail waiver of green fees up to 4 times. That’s not all. You also get to take a complimentary golf lesson every month.

  • Domestic and International Lounge Access

If you’re a frequent traveler, you’d be glad to know that the Yes Premia credit card features a complimentary domestic airport lounge access within India each quarter. In the case of international travel, you get 2 international lounge visits per year.

  • Discounts on BookMyShow

Love watching movies? Make sure to use the Premia credit card from Yes bank to pay for your movie tickets. You get a discount of up to 25% on movie tickets on BookMyShow website and mobile application.

Yes Premia Credit Card Fees and Charges

The Yes bank Premia credit card features some of the lowest fees and charges amongst all credit cards. Finding it hard to believe? Take a look for yourself.

Particulars

Fees and Charges

Annual membership fees and renewal fees

Rs. 1,599 plus taxes

Condition for waiver of annual membership fees and renewal charges

The annual membership fee shall be waived off on spending Rs. 25,000 within 90 days of card issuance.

 

The renewal fee for the subsequent year shall be waived off on spending Rs. 1.5 lakhs within 12 months.

Finance charges

● 3.50 % per month (42% per year)

 

● 3.00% per month (36% per year), if the card is issued against an FD

Cash advance fee

Higher of 2.5% of withdrawn amount or Rs. 300

Payment return charges

Rs. 350 per payment return

Foreign currency conversion charges

2.50%

Late Payment Charges

Balance as per statement

Late payment charges

Rs. 100 or less

NIL

Rs. 101 to Rs. 500

Rs. 150

Rs. 501 to Rs. 5,000

Rs. 500

Rs. 5,001 to Rs. 20,000

Rs. 750

 

Greater than Rs. 20,000

Rs. 1,000

Yes Premia Credit Card Rewards Points

Want to know the kind of rewards you’re eligible for with the Yes Premia credit card? Here are a few brief highlights of the Yes Premia reward points program.

  • You receive 3 reward points for every Rs. 200 you spend on ‘Select categories’.

  • You receive 6 reward points for every Rs. 200 you spend on all the other categories.

  • You get to enjoy 5X reward points on the first three payments you make on the YES PayNow platform.

  • On certain select transactions that you make on YESCART, you receive accelerated Yes Premia reward points.

  • Dedicated platform for Yes bank Premia credit card reward points redemption.

  • The Yes Premia reward points can be used to gain Air Miles. For every 10 reward points, you gain 1 Air Mile.

Yes Premia Credit Card Eligibility Criteria and Documentation

Wondering whether you’re eligible to apply for a Yes Premia credit card? Here’s the eligibility criteria.

  1. The individual applying for the card must be at least 21 years of age and not above 60 years of age.

  2. The individual must be either a salaried employee or be self-employed.

  3. The individual must draw a net salary of at least Rs. 1.2 lakhs each month or have an income of at least Rs. 14.4 lakhs according to their Income Tax Return (ITR).

  4. The individual would also be eligible to apply for the Yes Premia credit card if they possess a fixed deposit of at least Rs. 2 lakhs with Yes bank.

The documentation required is also extremely simple. You just need to submit the following paperwork.

  1. A photocopy of your PAN card or your Form 60

  2. A colour photograph of the applicant

  3. Proof of income like your latest payslip, Form 16 or a copy of your IT return

  4. A proof of your residence

  5. Your identity proof

How to Apply for the Yes Premia Credit Card?

Applying for Yes Bank Premia credit card is super easy! Please note that Yes Bank Premia Card is not available on the Finserv MARKETS website. However, if you wish to get the best Yes Bank credit card online, you can apply via the bank’s official website.

FAQs About Yes Premia Card

  • ✔️What are the benefits of Yes bank Premia credit card?

     The Yes bank Premia card comes with the following benefits.

    ● 25% discount on movie tickets booked through BookMyShow

    ● Complimentary domestic and international lounge visits

    ● Credit shield cover of up to Rs. 2.5 lakhs

    ● Fuel surcharge waiver of 1% for transactions valued between Rs. 400 and Rs. 5,000

  • ✔️How to get Yes Bank Premia credit card reward points?

     You can get Yes Premia reward points by spending on certain categories of goods and services or by making payments through the YES PayNow platform.

  • ✔️Does Yes Bank Premia credit card allow lounge access?

     Of course. The Yes bank Premia credit card lounge access is available to the primary holders. You can avail 1 complimentary domestic airport lounge access per quarter and 2 complimentary international airport lounge access per year.

  • ✔️How to reach Yes Premia credit card customer care?

     If you’re living in India and wish to reach the Yes Premia credit card customer care, simply call on 1800 103 1212. And if you’re living outside India, you would have to call +91 22 4935 0000 to get in touch with the Yes bank credit card customer care. Or, you could also send an email with your queries to yestouchcc@yesbank.in.