YES Private Credit Card: Crafted for the Affluent Users

YES Private Credit Card stands as an invite-only, super-premium offering for affluent users. It delivers global privileges, elite concierge support and seamless international experiences. A low 0.50% foreign currency markup adds value to overseas spending.

YES Bank also offers an NRI Private variant. YES Private Credit Card eligibility for the NRI version of the card requires an active NRE or NRO fixed deposit of ₹20 lakh or more. While benefits remain similar, the NRI card links directly to NRI banking relationships.

YES Private Credit Card Benefits

1. Travel Perks 

Enjoy premium travel privileges with YES Private. Get 35% off on Avis rentals and 10% off on Hertz rentals. Access luxury hotels, cruises, airport lounges and curated global travel experiences, subject to availability.

2. Golf Privileges

Enjoy access to premium golf courses, fine dining venues and exclusive clubs worldwide. These privileges enhance leisure time with refined experiences across sports, dining and recreation.

3. Oberoi E-Gift Vouchers

Receive Oberoi e-gift vouchers worth ₹9,000 on card setup and every renewal. This annual benefit applies only after successful renewal and payment of the yearly card fee.

How to Redeem Oberoi E-Gift Voucher?

You receive a pre-activated e-Gift Voucher via email from gifts@oberoigroup.com. The sender appears as Giftwrapped by Oberoi. The email includes your voucher number and its validity details.

1. Visit any participating Oberoi outlet and inform the staff about the Voucher.
2. Share the voucher number with the cashier at the time of billing.
3. The cashier initiates OTP verification on your registered mobile number.
4. Share the received OTP to complete redemption.
5. If any balance remains, settle it using your YES Private Credit Card.

💡But how do you plan to settle your credit card bills without missing payment dates? The answer is simple. Download the Pice App to receive bill payment date alerts, pay your bills and track payment status all from one unified portal.

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Other Privileges of YES Bank Private Credit Card

YES Private offers a wide range of privileges that go beyond rewards and travel. These benefits add security, flexibility and support for everyday and emergency needs.

1. Flexible Credit Access

• Withdraw up to 30% of your YES Private Credit Card limit as cash.
• Charges remain nominal compared to standard cash withdrawals.
• Enjoy up to 50 days of interest-free credit on eligible purchases.

2. Add-on Card Benefits

• Get up to 5 add-on cards for family members.
• Cards are available for spouses, parents, siblings and children above 18 years.
• All add-on cards share the primary credit limit for easy management.

3. Insurance and Protection Cover

• Credit Shield covers outstanding dues up to ₹15 lakh.
• Coverage applies in case of accidental death of the primary cardmember.
• Lost card liability cover extends up to ₹10 lakh per credit card limit.

4. Emergency Support Services

• Request emergency card replacement in India or overseas.
• Get emergency cash advance support through global partner networks.
• Overseas assistance ensures access to funds during unexpected situations.

Rewards Program of YES Private Credit Card

The YES Private Credit Card rewards high-value spending with generous points and milestone benefits. Every swipe adds value, whether you spend in India or overseas.

1. Welcome and Milestone Rewards

• Receive 2 lakh reward points as a welcome benefit on paid card variants.
• Earn 50,000 bonus reward points on total retail spends of ₹10 lakh.

Note: The milestone spend must be completed within 90 days of card setup.

2. Reward Points on Everyday Spends

• Earn 40 reward points on every ₹200 spent internationally.
• Earn 20 reward points on every ₹200 spent on domestic purchases.

Note: Reward rates apply to eligible retail transactions only. Points do not accrue on rent, wallet loads, fuel or government payments. Cash advances, fees, charges and EMI transactions also remain excluded.

3. Reward Redemption Support

• Redeem points online through the YES Rewardz platform.
• Cardmembers can also contact YES Private Banking and Concierge services.

YES Private Credit Card Charges

💡Not all credit cards waive off late payment charges! So, if you have other credit cards, you must download the Pice App. It not only helps you pay your credit card bills seamlessly and securely but also sends you payment reminder alerts.

FAQs