YES Bank Premia Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹999
₹999
2.75%
10 visits/yr
Contents
YES Bank Premia Visa Credit Card (earlier marketed as YES Premia / YES ELITE+ variant) is a premium lifestyle and travel credit card that focuses on strong ongoing rewards instead of flashy one-time welcome bonuses. Cardholders earn accelerated YES Rewardz Points on most retail spends, including many categories like utilities and insurance that are often excluded on other Indian credit cards. Complimentary domestic lounge access, international Priority Pass visits, BookMyShow movie discounts, golf benefits and a competitive foreign currency markup of around 2.75% make it attractive for frequent travellers and high-spend urban professionals. Overall, this card suits users looking for a well-rounded YES Bank credit card with a rewards-first design, balanced fees, solid insurance coverage and good everyday value.
Features of YES Bank Premia Visa Credit Card which makes it unique
Reward Subscription Plans
Optional paid subscription plans that offer higher 3X or 5X rewards on selected categories and spends.
Helps heavy spenders maximise value-back on categories like online shopping, travel and lifestyle.
A relatively unique feature in the Indian credit card market compared to standard flat reward programs.
Secured Variant Against Fixed Deposit
Option to get a YES Premia Credit Card issued against a fixed deposit of ₹2,00,000 or more.
Ideal for users with limited credit history who still want premium-card perks like lounge access and higher rewards.
More accessible premium card compared to many banks that reserve such features only for high-income unsecured customers.
Rewards Structure of YES Bank Premia Visa Credit Card
Online And Offline Retail Spends
baseAll eligible retail transactions except fuel, wallet loads, cash withdrawals and restricted merchant categories.
Effective reward rate of around 0.75% assuming 1 Reward Point ≈ ₹0.25 on catalogue or air miles redemptions.
Select Categories – Utilities, Rent, Government And Insurance
baseUtility bills, rent payments, government and municipal payments, tax payments and insurance premiums.
These low-margin categories earn lower rewards but are still rewarded, unlike many Indian credit cards that give zero points here.
YES PayNow Bill Payments
baseFirst 3 transactions on each of the first 5 registered billers through YES PayNow.
Ideal for setting up electricity, postpaid, broadband and DTH bills to boost reward earnings.
Reward Points To Airline Miles Conversion
baseConversion of accumulated YES Rewardz Points into partner airline miles or points.
Useful for frequent flyers who want to convert everyday YES Bank Premia card spends into airline miles.
Milestones of YES Bank Premia Visa Credit Card
Annual Fee Waiver Milestone
₹2,00,000 in a card anniversary year : Full waiver of next year’s renewal fee of ₹999 + taxes
Quarterly Lounge Access Qualification
₹50,000 retail spends in the preceding calendar quarter : Eligibility for up to 2 complimentary domestic airport lounge visits in the following quarter for the primary cardholder
Fees & Charges of YES Bank Premia Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 2.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee of ₹999 + taxes is waived on reaching ₹2,00,000 eligible retail spends in the previous year.
Fee Explanation Standard YES Bank credit card charges apply, including interest up to approx. 3.99% per month on revolving balances and cash advances, plus applicable GST as per RBI rules.
Detailed Explanation of YES Bank Premia Visa Credit Card Fees
Joining Fee: ₹999 + taxes (once)
Reversal may be offered on limited-time YES Bank campaigns; check latest schedule at the time of application.
Annual Renewal Fee: ₹999 + taxes (yearly)
Waived on achieving ₹2,00,000 or more eligible retail spends in the previous card anniversary year.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applicable on unpaid balances, EMI cancellations and cash advances until full repayment.
Foreign Currency Markup: 2.75% + taxes (transaction)
Charged on all international transactions including online spends billed in foreign currency.
Cash Advance Fee: 2.5% of amount, minimum ₹300 (transaction)
Interest accrues from the date of cash withdrawal until repayment; no interest-free period on cash advances.
Late Payment Fee: Up to ₹1,200 (statement)
Applied based on total due amount slab as per YES Bank’s latest schedule of charges.
Overlimit Fee: 2.5% of overlimit amount, minimum ₹500 (statement)
Charged when outstanding exceeds the assigned credit limit during the billing cycle.
Returned Payment / Cheque Bounce Fee: ₹500 per instance (transaction)
Charged when payment through cheque, ECS or any instrument is returned or dishonoured.
Fuel Surcharge Waiver: 1% fuel surcharge reversal (statement)
Valid on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India; maximum waiver of ₹250 per billing cycle, GST on surcharge not waived.
Lounge Access Benefits with YES Bank Premia Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic lounge visits per calendar quarter for the primary cardholder at participating Visa lounges in India, usually subject to achieving ₹50,000 retail spends in the previous quarter.
international Lounges
silverVisits per year: 2
Guest access: No
Priority Pass membership for the primary cardholder with 2 complimentary international lounge visits per calendar year; extra visits are chargeable at standard Priority Pass rates.
Insurance Coverage with YES Bank Premia Visa Credit Card
Credit Shield And Lost Card Liability
Up to ₹3,00,000Provides cover against fraudulent transactions and outstanding dues in case of death or permanent disability, if the loss is reported promptly and within policy timelines.
Air Accident Cover
Up to ₹25,00,000Applicable when full travel fare is charged to the YES Bank Premia Visa Credit Card; exact coverage and exclusions depend on the insurer’s certificate attached to the card.
Purchase Protection
Up to ₹50,000Protects eligible retail purchases against theft or damage for a limited period (for example, 90 days) from the date of purchase, subject to claim documentation.
Additional Features of YES Bank Premia Visa Credit Card
Contactless Payments
Tap-and-pay enabled Visa contactless chip for fast and secure POS transactions.
PIN-free transactions allowed only up to the regulatory contactless limit; above that, PIN or CVV and OTP will be required.
YES PayNow Auto Bill Pay
Set up auto-debit for electricity, DTH, postpaid and other utility bills with potential accelerated reward offers.
Billers must be registered and successfully validated on YES PayNow; reward campaigns are time-bound.
EMI On Call And Merchant EMI
Convert high-value purchases into easy EMIs directly at partner merchants or via customer care.
Tenure options and processing fees depend on amount, tenure and current YES Bank EMI offers.
Balance Transfer Facility
Transfer outstanding balances from other bank credit cards to YES Bank at attractive interest rates for defined tenures.
Subject to internal approval, available credit limit and minimum transfer amount criteria.
Add-On Cards
Free lifetime add-on cards for immediate family members, sharing the same credit limit.
KYC of add-on cardholder is mandatory; spends reflect in the primary YES Premia credit card statement.
Welcome Bonus with YES Bank Premia Visa Credit Card
Welcome Bonus: NA
Bonus Conditions: NA – YES Bank does not list any specific welcome offer; core benefits and rewards start from your first eligible transaction.
Application Process for YES Bank Premia Visa Credit Card
Processing Time
Typically 5–7 working days after successful KYC and credit approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank website or Finanjo YES Bank credit card page and select the YES Bank Premia Visa Credit Card.
Fill in the online application form with personal, employment and income details and give consent for bureau checks.
Upload scanned copies of KYC and income documents or opt for doorstep document pickup where available.
YES Bank reviews your application, performs internal risk checks and may call you for additional verification if required.
On approval, the card is printed and dispatched to your communication address, and the PIN can be set via net banking, mobile app or IVR.
Required Documents for YES Bank Premia Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
YES Bank Premia Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals and online merchants that support Visa credit cards.
International Acceptance
Accepted globally at millions of Visa merchant locations and ATMs for purchases and cash withdrawals.
Online Acceptance
Can be used for domestic and international e-commerce websites, app payments and subscription services that accept Indian Visa credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank Premia Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
720+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be an Indian resident with a stable income, valid PAN, Aadhaar-linked mobile number, clean bureau history and no recent credit defaults. A fixed deposit of ₹2,00,000 or above can also be used to apply for a secured YES Premia variant.
How Approval Is Decided
- Minimum monthly income of around ₹1,00,000 for salaried applicants or equivalent annual income for self-employed individuals, or a fixed deposit of ₹2,00,000+ for secured variant.
- Indian resident with age generally between 21 and 60 years for salaried and up to 65 years for self-employed (as per YES Bank policy).
- Clean credit history with a credit score of approximately 720 or higher and no recent major delinquencies.
- Satisfactory internal risk profile as per YES Bank’s lending policies at the time of application.
Pros of YES Bank Premia Visa Credit Card
- Strong, easy-to-understand YES Rewardz programme with good value-back on routine shopping.
- Complimentary domestic and Priority Pass international lounge visits for frequent travellers.
- BookMyShow movie discount and golf privileges enhance the lifestyle appeal of the card.
- Fuel surcharge waiver at all petrol pumps in India within specified transaction limits.
- Option to convert spends to airline miles with InterMiles and Club Vistara for travel-focused users.
Cons of YES Bank Premia Visa Credit Card
- High minimum income requirement for salaried applicants compared to entry-level reward cards.
- Reward rate on utilities, rent and government payments is lower than on regular retail spends.
- No eye-catching welcome bonus; value is concentrated in ongoing rewards and benefits.
- Lounge access often depends on meeting quarterly spend conditions, which may not suit low spenders.
Frequently Asked Questions about YES Bank Premia Visa Credit Card
Is there any welcome bonus on the YES Bank Premia Visa Credit Card?
As per the latest publicly available information, YES Bank does not advertise a separate welcome bonus on the YES Bank Premia Visa Credit Card. The main value comes from ongoing rewards, lounge access, fuel surcharge waiver and lifestyle benefits.
What is the annual fee and how can I get it waived on the YES Bank Premia Visa Credit Card?
The YES Bank Premia Visa Credit Card typically charges a joining and annual fee of ₹999 plus applicable taxes. The renewal fee is waived when you achieve at least ₹2,00,000 eligible retail spends in the previous card anniversary year, making it effectively free for high spenders.
How many airport lounge visits do I get with the YES Bank Premia Visa Credit Card?
With the YES Bank Premia Visa Credit Card, you can usually get up to 2 complimentary domestic airport lounge visits per calendar quarter via the Visa programme (around 8 per year) and about 2 complimentary international lounge visits per year via Priority Pass, subject to YES Bank’s latest lounge terms and quarterly spend conditions.
What is the reward rate on the YES Bank Premia Visa Credit Card and how can I redeem points?
You typically earn 6 YES Rewardz Points per ₹200 on most retail spends and 3 points per ₹200 on select categories like utilities and insurance. Points can be redeemed for flight and hotel bookings, gift vouchers, merchandise, or converted to airline miles with partners such as InterMiles and Club Vistara through the YES Rewardz portal.
Is the YES Bank Premia Visa Credit Card good for international travel and forex spends?
Yes, the YES Bank Premia Visa Credit Card suits occasional international travellers with its competitive foreign currency markup of around 2.75%, complimentary international Priority Pass lounge visits and travel-oriented reward redemption options. However, very frequent international travellers might still prefer dedicated low-forex or air-miles premium cards.
Who should apply for the YES Bank Premia Visa Credit Card and who should avoid it?
The YES Bank Premia Visa Credit Card works best for salaried or self-employed users who spend heavily on everyday retail shopping, travel, fuel, utilities and movies, and who can comfortably achieve ₹2,00,000 or more in annual spends to get the fee waived. Users with very low monthly spends or those who want a no-conditions lifetime free card may find better value in simpler entry-level cashback or rewards credit cards.
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