Yes Bank
Signature · Premia
Yes Premia Credit Card
Yes Bank
Premium Visa Signature with 6 RP per ₹100 and 8 lounge visits yearly
Annual Fee
₹2,000
Joining Fee
₹2,000
Reward Rate
1.2%
Forex Markup
3%
Value Analysis
Annual Net Value
₹15,640
Total Annual Benefits
₹18,000
Total Annual Charges
₹2,360
ROI
663%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
- • 4 visits per year at domestic lounges
4 visits/year
₹8,000/yr
International Lounge Access
4 complimentary international airport lounge visits per year via Visa LoungeKey
- • 4 visits per year at international lounges
4 visits/year
₹14,000/yr
Reward Points (1)
Reward Points on All Spends
6 Reward Points per ₹100 spent on all retail purchases
6 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
YES Prosperity Rewards
6 RP per ₹100
Effective cashback: 1.20%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via YES Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.20)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,000 Excluding GST |
| Annual Fee | ₹2,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹9 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹30.0 L
Permanent Disability
₹30.0 L
Travel Insurance
₹20.0 L
Lost Card Liability
₹3.0 L
Report within 24h
Air Accident Cover
₹30.0 L
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹30 Lakh
- • Travel insurance: ₹20 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹3 Lakh
Airport Lounge Access
Domestic
4 visits/year
Per year
~₹2,000/visit
International
4 visits/year
Per year
~₹3,500/visit
Dreamfolks Visa LoungeKey
- • Domestic: 4 complimentary visits per year
- • International: 4 complimentary visits per year via Visa LoungeKey
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility 6 RP per ₹100 on all spends 8 lounge visits per year (4 domestic + 4 international) Comprehensive travel insurance
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Yes Premia Credit Card is a premium Visa Signature card offering 6 reward points per ₹100 on all spends, 8 complimentary domestic and internationa...
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