YES Bank Premia Credit Card

YES BANK has unveiled a new credit card tailored specifically for its esteemed clientele, christened the YES Premia Credit Card. This exceptional card comes replete with an array of enticing offers and substantial discounts, ensuring an enriching experience for cardholders.

With the YES Premia Credit Card, you have the opportunity to accrue rewarding points that can be judiciously redeemed while shopping at YESRewardz. The YESRewardz platform boasts an extensive catalog of products where your accumulated reward points can be utilized for redemption.

Furthermore, this card bestows the privilege of complimentary access to Airport Lounges, enhancing your travel experience. Additionally, when booking movie tickets through BookMyShow, cardholders can avail themselves of attractive flat discounts.

Not to be overlooked, the card also offers substantial fuel surcharge discounts, providing a convenient means to curtail your annual fuel expenses.

The amalgamation of these enticing features makes the YES Premia Credit Card an appealing choice. We invite you to explore all the benefits that this card has to offer.

Key Highlights of YES Premia Credit Card

Joining fee Rs. 999 + applicable taxes
Annual fee Rs. 999 + applicable taxes
Benefits International lounge visits, accelerated reward points on select transactions, discount on movie tickets at BookMyShow, complimentary Golf program, insurance cover, fuel surcharge waiver, etc.
Rewards 3 reward points on spending every Rs. 200 on select categories & 6 on all categories.
Age 21 to 60 years
Foreign currency transaction fee 2.50%

Features and Benefits of YES Bank Premia Credit Card

  1. Fuel Surcharge Waiver: Reduce your fuel expenses with our fuel surcharge waiver, valid at all fuel stations across India for transactions ranging from Rs. 400 to Rs. 5,000.
  2. Credit Shield: Rest easy knowing that this card feature safeguards you against card loss, fraudulent activities, or theft.
  3. Concierge Services: Enjoy round-the-clock dedicated concierge assistance, available to help you with tasks such as hotel reservations, flight bookings, restaurant recommendations, movie ticket bookings, and even flower and gift deliveries.
  4. Green Fee Waiver & Complimentary Golf Lessons: Take advantage of waived green fees and complimentary golf lessons at select golf courses in India.
  5. Accidental Death Insurance: Receive insurance coverage of Rs. 2.5 lakh in the unfortunate event of the primary cardholder’s accidental death.
  6. Low Revolving Credit Interest Rate: Benefit from a competitive 3.5% interest rate on revolving credit balances or overdue amounts.
  7. Preferential Foreign Currency Markup: Enjoy a minimal foreign currency markup of just 2.50%.
  8. Contactless Card Technology: Experience the convenience of contactless card technology for quick and secure transactions.
  9. IVR Transaction Password: Access an additional layer of security with a unique password for IVR (Interactive Voice Response) transactions.

YES Bank Premia Credit Card Fees and Charges

  1. Membership/Yearly Fee: ₹999
  2. Interest Rate: 3.6% per month (equivalent to 42% per annum)
  3. Foreign Transaction Fee: 2.75% of the transaction amount
  4. Cash Advance Fee: 2.5% (with a minimum charge of ₹250)

YES Bank Premia Credit Card Eligibility

In order to qualify for a YES Premia Credit Card, you must satisfy the following eligibility requirements:

  1. You must be a minimum of 21 years old.
  2. Your age should not exceed 60 years.
  3. You should have a salaried or self-employed status.
  4. Your minimum net monthly income should be Rs. 1,20,000.
  5. If you are self-employed, your annual Income Tax Return should reflect earnings of Rs. 14.4 lakh or higher.

Documents Required for YES Bank Premia Credit Card

Proof of Address:

  1. Passport
  2. Telephone Bill
  3. Electricity Bill
  4. Voter ID Card
  5. Ration Card
  6. Aadhaar Card

Proof of Identity:

  1. Passport
  2. PAN Card
  3. Voter’s ID Card
  4. Aadhaar Card
  5. Driving Licence
  6. Ration Card

Income Proof (For Salaried Individuals):

  1. Recent Pay Slips
  2. Last 6 Months Bank Statements

Income Proof (For Self-Employed Individuals):

  1. Recent Income Tax Returns (ITR)
  2. Audited Profit and Loss Statement
  3. Balance Sheet

Other Required Documents:

  1. Duly-Filled Application Form
  2. Passport-Size Photographs

How to apply for YES Bank Premia Credit Card

Step 1: Visit the YES Bank official website.

Step 2: Navigate to the ‘Credit Cards’ section.

Step 3: Select your desired credit card.

Step 4: Click on the ‘Apply Now’ button.

Frequently Asked Questions (FAQs)

1. What is the YES Bank Premia Credit Card?

The YES Bank Premia Credit Card is a premium credit card offering a range of exclusive benefits and privileges. It is designed for individuals who seek enhanced lifestyle experiences, travel perks, and financial flexibility.

2. How can I apply for the YES Bank Premia Credit Card?

You can apply for the YES Bank Premia Credit Card through the official YES Bank website or by visiting a YES Bank branch. The application process usually involves submitting your personal and financial details.

3. What are the key features of the YES Bank Premia Credit Card?

The key features include complimentary lounge access, reward points on every spend, milestone benefits, concierge services, fuel surcharge waiver, and exclusive discounts on dining, travel, and lifestyle expenses.

4. What is the annual fee for the YES Bank Premia Credit Card?

The annual fee for the YES Bank Premia Credit Card may vary. Please refer to the latest terms and conditions or contact YES Bank customer service for the most up-to-date information on fees and charges.

5. How do I earn reward points with the YES Bank Premia Credit Card?

You can earn reward points on every eligible transaction made with your YES Bank Premia Credit Card. The points accrue based on the type and amount of the transaction. Refer to the card’s rewards program details for specific information.

6. Can I redeem the reward points for cashback?

YES Bank usually offers a variety of redemption options, including cashback, gift vouchers, merchandise, and more. Check the YES Bank rewards catalog or contact customer service for information on redeeming your accumulated reward points.

7. Is there a foreign transaction fee with the YES Bank Premia Credit Card?

Yes, like many credit cards, the YES Bank Premia Credit Card may have foreign transaction fees. It’s advisable to check the latest terms and conditions or contact YES Bank for details on fees associated with international transactions.

8. What travel benefits are included with the YES Bank Premia Credit Card?

The card often provides complimentary airport lounge access, travel insurance, and discounts on hotel bookings. Refer to the card’s benefits guide for specific details on the travel perks offered.

9. How do I contact YES Bank customer service for queries related to my Premia Credit Card?

You can contact YES Bank customer service through their helpline, email, or by visiting a YES Bank branch. The contact details are usually available on the official YES Bank website.

10. What is the eligibility criteria for the YES Bank Premia Credit Card?

Eligibility criteria may include age, income, credit score, and other factors. Check with YES Bank or refer to the official website for the most accurate and up-to-date information on eligibility requirements.