Core Rewards :
  • 12% RP 24 Reward points per Rs. 200 on international spends
  • 8% RP 16 Reward points per Rs. 200 on all other spends
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : N/A
No rewards on spends : fuel
Rewards Redemption
How to Redeem :
  • Redeem point for Travel Booking, Gift Voucher
Redemption options : Travel Booking, Gift Voucher
Redemption fee : Nil
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : Unlimited
  • International Lounge : Unlimited
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : Upto Credit Limit
  • Personal accidental insurance : N/A
  • Air accidental insurance : 5 Cr.
Other Benefits :
  • Lounge Membership : LoungeKey Membership - International Lounge Access
  • Memberships Available With Cards :
    • ITC Culinaire
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : 3 per quarter
  • Games : 3 per quarter
Joining fees : 50000 (Invite Only)
Annual fees : 10000
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : Receive Oberoi Hotel Voucher Worth Rs. 9000
Forex markup charges : 1.75%
Fee reversal criteria : Spend 25 Lakhs in a year
Minimum age : 21
Minimum ITR : Not Applicable
Minimum Salary : Not Applicable

Yes Private Credit Card Welcome Benefits

  • Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your SBI Elite Credit Card.
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

Yes Private Credit Card Reward Points/Cashback

The Yes Private Credit Card offers:

  • Movie and dining benefits with free movie tickets and dining discounts.
  • Reward rate of 2.5% on groceries, dining, movies, and department store spending.
  • Redemption options for gift vouchers or statement balance.
  • Complimentary travel memberships and airport lounge access.
  • Golf privileges and insurance coverage.
  • Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
  • Milestone rewards on annual spending.
  • No rewards on wallet transactions.

Yes Private Credit Card Reward Point Redemption

You can easily redeem your reward points with the Yes Private Credit Card:

  • Redemption Options: You can use your reward points for gift vouchers and statement cash.
  • Redemption Fee: There is no fee for redeeming your points.
  • Transfer Partners: The card does not offer any transfer partners.
  • Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

Pros of Yes Private Credit Card

  • Attractive welcome benefits worth Rs. 5,000.
  • Access to domestic and international airport lounges.
  • Competitive reward rates on dining, groceries, and department store expenses.
  • Lucrative milestone rewards for high spenders.
  • Enjoy two complimentary movie tickets each month.

Cons of Yes Private Credit Card

  • Lower reward rate compared to other premium cards.
  • Average returns on spending.
  • High renewal fee waiver requirement of Rs 10 lakhs.
  • Relatively high renewal fee of Rs. 4,999.

Yes Private Credit Card Benefits

  • Welcome Perks: Enjoy a Rs. 5,000 Gift Voucher from top brands.
  • Milestone Rewards: Earn up to 15,000 Bonus Reward Points by meeting spending milestones.
  • Travel Advantages: Free lounge access, hotel discounts, and club memberships.
  • Airport Lounge Access: 2 domestic and 6 international lounge visits per year.
  • Movie and Dining Benefits: Complimentary/discounted movie tickets and dining offers.
  • Golf Privileges: Four free golf rounds, golf lesson, and discounts (MasterCard variant).
  • Concierge Service: Assistance with various services.
  • Lower Foreign Markup Fee: 1.99% on foreign transactions.
  • Annual Fee Waiver: Spend Rs. 10 lakhs to waive the annual fee.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs. 500 and Rs. 4,000, up to Rs. 250/month.

Yes Private Credit Card Charges and Fee

  • Joining Fees: INR 50,000 (Invite Only)
  • Annual Fees: INR 10,000
  • Welcome Benefits: N/A
  • Quarterly Benefits: N/A
  • Annual Benefits: INR 9,000 Oberoi Hotel Voucher
  • Forex Markup: 1.75%
  • Fee Reversal: Spend INR 25 Lakhs/20 Lakhs (Depending on Card Type)
  • Rewards Redemption Fee: Nil
  • Interest Rates: 1.2% to 1.75% per month
  • Fuel Surcharge: Waived for INR 400 to INR 5,000 transactions
  • Cash Advance Charges: Nil
  • Add-on Card Fee: Nil