About YES Premia Credit Card

YES BANK is a young generation bank. Established in 2004, YES BANK has grown exponentially to command a presence in all the 29 states and 7 Union Territories in India. YES BANK concentrates on CASA deposits and retail finance. Besides, YES BANK provides a complete range of other products and services to gain the distinction of becoming India's fourth-largest private bank. Being a performance and technology-driven bank, one can expect the bank to target the younger generation. YES Premia Credit Card is one such endeavour aimed at the young professional.

Why Choose YES Premia Credit Card?

YES BANK believes in delivering high quality and premium services to its customers. YES Premia Credit Card is one of the most attractive Credit Card products from its attractive bouquet. YES Premia Credit Card offers unparalleled benefits to suit the requirements of the young Indian professionals. This Credit Card brings a range of benefits and privileges to the table and welcomes you to a highly rewarding experience.

Key Attractions of YES Premia Credit Card

  • YES Premia Credit Card beneficiaries get the highly acclaimed Priority Pass Membership. It entitles the primary cardholder to two complimentary accesses to international airport lounges in a year.
  • Use your YES Premia Credit Card to purchase your essential items such as groceries, supermarket necessities, and enjoy sumptuous dining experiences to get accelerated rewards points.
  • Have a great time at the movie theatres by reserving your tickets through BookMyShow and enjoy attractive discounts up to 25%.

YES Premia Credit Card Benefits

Know the benefits of using YES Premia Credit Card to extract the maximum out of it.

  • Rewards Points
    • You can purchase groceries and other essentials at supermarkets/departmental stores. Have dining excursions at select restaurants. It enables you to receive 4 rewards points on every 100 you spend. This offer is valid on all retail transactions done on MasterCard-defined Merchant Category Codes. For example, Dining - MCC 5812, 5813, and 5814, Departmental Stores - 5311, Supermarket and Groceries - 5411.
    • For every 100 you spend on other retail categories except fuel, you earn 3 reward points
    • YES Premia Credit Card offers rewards points for paying your utility bills, as well. Register your regular billers at YES PayNow and get 750 rewards points. However, these points are available for demonstrating loyalty by maintaining continuity. It is not available for one-time or Adhoc payments.
  • Easy redemption of Rewards Points
    • Visit YesRewardz to know the complete details on how to redeem rewards points
    • Access the dedicated websites for reserving your flight/hotel/movie tickets and redeem the rewards points accumulated in your account. 1 Reward Point equals 0.25.
    • Card members have the option of choosing their cherished gifts from an extensive catalogue of attractive products.
    • Earn JPMiles by redeeming your rewards points. 4 Rewards Points fetch you 1 JP Mile.
  • Discounts on Movie Tickets

Download the BookMyShow app on your mobile or use their official website to book your movie tickets using YES Premia Credit Card. You get a rebate of up to 25% with a ceiling of 250 per month.

  • Priority Pass Membership Coupled with MasterCard Lounge Programme
    • YES Premia Credit Card members enjoy Priority Pass Membership. This membership includes 2 complimentary lounge accesses in a year at international airports.
    • Guest visits cost US$ 27 plus taxes. Similarly, visits over and above the 2 complimentary accesses will cost the primary cardholder $27 plus taxes per visit.
    • Primary card members get 2 free accesses per quarter to domestic airport lounges across more than 25 domestic airports. This benefit is part of the MasterCard Lounge Programme.
    • Priority Pass membership is not transferable to other persons
  • MasterCard World Golf Programme
    • Primary card members are eligible to receive four Green Fee Waivers at select golf courses in India.
    • They can also avail the benefit of 1 complimentary golf lesson every month at specified golf courses.
    • Contact the MasterCard Golf Concierge on the toll-free number 1800-102-6263 to confirm your bookings.
  • Rate of Interest on Revolving Credit

    YES Premia Credit Card charges an interest rate of 3.50% per month on overdue amounts, cash advances, and revolving credit.

  • Foreign Currency Markup Charges

    Use your YES Premia Credit Card at international locations to obtain foreign currency. This card entitles you Professional Foreign Currency Markup charges of 2.50%.

  • Insurance

    YES Premia Credit Card offers a credit shield cover of up to 2.50 Lakhs if the primary cardholder dies in an accident.

  • Fuel Surcharge Waiver

    Refuel your vehicle at fuel stations all over India for amounts ranging from 400 to 5,000, and get a fuel surcharge waiver. The maximum eligible surcharge waiver is 250 per statement cycle. GST is payable on the surcharge.

  • Lifestyle Benefits

    Have a great time shopping, dining, and travel using YES Premia Credit Card and avail exciting offers. These offers are also available for use in wellness clinics.

  • Contactless Card
    • YES Premia Credit Card is compatible with Near Field Communication (NFC) technology
    • Use your YES Premia Credit Card at retail outlets and merchant locations accepting contactless cards, and enjoy the benefit of fast, convenient, and secure payments.
  • Secure Your Credit Card for Online Transactions

    Create a secure 3D password to safeguard your online purchases.

  • Interactive Voice Response Transactions

    SMS YESIVR Last four digits of YES Premia Credit Card number to 9212738927. Use the OTP generated to confirm your IVR transactions.

YES Premia Credit Card - Privileges and Services on Offer

YES Premia Credit Card offers the following additional privileges:

Facility Key Benefits Procedure

Instant EMI

  • No processing fee or documentation.
  • Rates of interest ranging from 12% to 15%.
  • Facility to earn rewards points on transactions converted to EMI.
  • Flexible tenure from 3 to 24 months.
  • Permitted to convert transactions starting from 2,500.
  • Facility available at more than 80,000 merchant establishment partners.

Retail Stores

  • Ask for Instant EMI at the time of payment.

Online Stores

  • Select the EMI option when making the payment.

EMI on Call

  • The minimum amount of transaction permitted is 2,500
  • Interest rate range is between 12% and 15%.
  • Low processing fees
  • Attractive repayment options ranging from three to 24 months.
  • Call 24X7 Yes Touch Customer service to check your eligibility.
  • Toll-free number: 1800-103-1212

Quick Loan

  • No documentation
  • Speedy disbursals
  • Low processing fees and rates of interest.
  • Repayment tenures from 6 to 24 months.
  • Credit your savings accounts
  • TAT of 3 days
  • No requirement of PDC or guarantor.
  • Contact toll-free number 1800-103-1212 to check your eligibility.

YES PayNow

  • An ideal platform to pay your utility and other regular bills.
  • Easy to register
  • Get reminders of due dates
  • The convenience of paying online
  • Get SMS and email alerts
  • Add as many billers as you want
  • Register bills for your family members and avail the benefits.

Rewards Points or Cashback facility

  • Get 750 rewards points for registering billers and maintaining the account well.
  • Contact the toll-free number 1800-103-1212 to register.
  • Internet banking customers can register online through 'Net Banking.'
  • Download the application form, complete it, and submit to: Credit Cards Division,
  • YES BANK Ltd, YES BANK Towers, Plot No 14, 3rd Main Road, Ambattur, Chennai - 600058
  • Contact Yes Touch Customer Service to cancel the registration.

Card Protection Plan

  • Protect your YES Premia Credit Card from theft and misuse.
  • Block all your credit and debit cards with a single phone call.
  • Get emergency cash assistance in India.
  • Pay your emergency hotel bills and travel tickets in India and abroad.
  • Get a free PAN Card replacement
  • Roadside Assistance benefits are available.
  • Other features include mobile phone benefit, credit report and analysis.
  • Contact Yes Touch Customer care at 1800-103-1212 for registering and cancelling.
  • Emergency toll-free number: 1800-419-4000.
  • International number: +91-9212444000.
  • Customer Service and Registration: STD Code followed by 60004000.

YES Premia Credit Card - Eligibility Criteria

You will have to meet the following eligibility criteria to apply for the YES Premia Credit Card:

  • The minimum age criterion for applying for YES Premia Credit Card is 21 years with the maximum being 60 years.
  • Salaried and self-employed individuals/professionals are eligible to apply
  • The minimum pay should be 1.20 Lakhs per month
  • Self-employed persons should have ITR of 15 Lakhs or more

YES Premia Credit Card Charges

YES Premia Credit Card comes with the following fees and charges:

  • Membership fees for the first year: 1,500 + GST (spend more than 20,000 within the first 90 days and get a waiver of membership fees).
  • Renewal membership fees: 1,500 + GST (waiver available if you spend 1.50 Lakhs within 12 months before the renewal date).

YES Premia Credit Card - Interest-Free Period

YES Premia Credit Card offers an interest-free period ranging from 15 days to 50 days depending on the billing cycle. This facility is available only to card members who pay their bills in full and do not carry it forward to the next statement cycle.

YES Premia Credit Card Payment

YES BANK Account Holders

  • Net Banking: Use your net banking channels to pay your YES Premia Credit Card bills
  • Standing Instruction: Set up a standing instruction with your YES BANK savings/current account to pay the bill on the due date.
  • ATM Transfer: Use your YES BANK ATM card at YES BANK ATMs to transfer funds from your savings/current account to the Credit Card account.

Other Customers

  • NEFT/RTGS/IMPS: Use these payment options to transfer funds from your bank accounts to YES Premia Credit Card. Add 'YES BANK Credit Card' as a beneficiary. The IFSC Code is YESB0CMSNOC.
  • Internet Banking: Use the BillDesk facility available in your net banking module to pay your Credit Card bills.
  • Cheques: Drop your cheque at the most convenient YES BANK Drop Box. Remember to mention your 16-digit Credit Card number as the payee. Include your name and mobile number on the reverse side of the instrument.
  • Cash: Pay your YES Premia Credit Card bill in cash at YES BANK branches
  • Yes Mobile App: Use your mobile banking app to transfer payments to YES Premia Credit Card using IMPS facility.
  • Yes Pay App: Android users can use their UPI-enabled mobile apps to pay YES Premia Credit Card bill.

Alternative Payment Methods

Other payment alternatives are through Samsung Pay and Bharat QR.

YES Premia Credit Card - Documents Required

Be ready with the following documents when you apply for the YES Premia Credit Card:

  • Regular KYC Documents: ID proof and address proof
  • Income Documents: Salary slips, IT returns

How to Apply for YES Premia Credit Card?

  • Contact Yes Touch Customer Care numbers and submit your details
  • YES BANK Relationship Manager will give you a call to apprise you of the documents necessary for applying for YES Premia Credit Card.
  • Keep your documents ready for collection
  • The Relationship Manager will arrange to collect the documents from you
  • Alternatively, you can visit any branch of YES BANK and apply for the Credit Card in person
  • YES BANK customers can apply for YES Premia Credit Card online through internet and mobile banking channels.

YES Premia Credit Card - Track Application Status

Online

You can track the status of your Credit Card application online.

  • Access the YES Premia Credit Card official webpage and track your Credit Card status online
  • You have to provide details like your mobile number and Application Reference Number

Customer Care Number

Contact Yes Touch customer care on 1800-103-1212 and quote your Application Reference Number to know the status of your Credit Card application.

Other Credit Cards Offered by YES BANK

Other Credit Card products on offer by YES BANK are as follows:

Yes First Preferred Credit Card

Yes Prosperity Edge Credit Card

Yes Prosperity Rewards Plus Credit Card

Yes Prosperity Rewards Credit Card

Yes First Business Credit Card

Yes Prosperity Business Credit Card

Yes First Exclusive Credit Card

Yes Prosperity Cashback Plus Credit Card

YES Premia Credit Card - Know its Value

This chart will help you to determine the value of your YES Premia Credit Card:

Value Chart for YES Premia Credit Card

 

Requirements/Assumptions

Annual Rewards Points

Annual Benefits in

Priority Pass Membership for primary cardholder worth $99

Welcome benefit available on YES Premia Credit Card

 

6,930

Airport lounge access

Two complimentary accesses allowed to primary cardholder $27

 

4,460

BookMyShow Movie discount

Maximum discount available 250 per month

 

3,000

Total Lifestyle Benefits

14,390

Monthly spending

Assume you spend 40,000

 

 

Retail spending Reward Point 3 per 100

70% - 28,000

10,080

2,520

Bonus spending Reward Point 4 per 100

20% - 8,000

3,840

960

Fuel surcharge waiver

10% - 4,000

 

480

2 SI for YES PayNow

 

1,500

375

Rewards Points Benefits

4,335

Overall Benefit

18,725

YES Premia Credit Card - Frequently Asked Questions

What is the minimum CIBIL score required for YES Premia Credit Card?

There is no such minimum stipulation. However, banks are stringent when it comes to approving Credit Card limits. They check your CIBIL score and repayment record. A minimum score of 750 is necessary.

Is it necessary to have an account with YES BANK to apply for YES Premia Credit Card?

No, other bank customers can also apply for YES Premia Credit Card. They can also pay their Credit Card bill using their internet banking channels.

What is the interest-free concept in YES Premia Credit Card?

YES Premia Credit Card offers an interest-free period ranging from 15 days to 50 days depending on the timing of your card usage and the statement date. This privilege is available for regular Credit Card users alone who do not carry forward any payment to the next billing cycle.

Can I make part-payment of my YES Premia Credit Card?

Yes, you can pay an amount equal to or more than the Minimum Amount Due on the Credit Card to keep your limit alive. However, you will lose the interest-free benefit under such circumstances.

How can I preserve my interest-free benefits?

You can pay your entire bill on time and preserve your interest-free benefit period. You can also avail the Instant EMI or 'EMI on Call' facility to convert your purchases into EMIs. Under such circumstances, you can preserve your interest-free period. However, your overall limit will get reduced.

Is cash advance facility available on YES Premia Credit Card?

Yes, the cash advance facility is available on YES Premia Credit Card. However, you should note that this facility attracts a 'Cash Advance' charge. Besides, it will attract interest @3.50% per month from the date of withdrawal to the day of repayment.

How do I report my lost YES Premia Credit Card?

You should block the lost/stolen Credit Card by sending SMS 'BLKCC Last four digits of your card number' to '9840909000' from your registered mobile phone number.

Will my rewards points expire if I do not use them?

Rewards points come with an expiry date. It is advisable to redeem them before the expiry date to get the benefits.

Is life insurance available on my YES Premia Credit Card?

No, life insurance is not available on the YES Premia Credit Card. A Credit Shield insurance of up to 2.50 Lakhs is available in case of accidental death of the primary cardholder.

Can I use my YES Premia Credit Card abroad?

Yes, it is possible to use your YES Premia Credit Card at overseas locations.  

OTP is sent to your mobile number

Enter OTP

Resend OTP