Yes Private Prime Credit Card Review

Out of all the credit cards offered by Yes Bank, yes private prime credit card is a special one. It is the most premium credit card offered by Yes Bank for their Elite class customers. Like most other prime credit cards this card is stuffed with elite tier benefits like; unlimited free access to airport lounges, Exclusive deals on movie tickets, complimentary golf rounds, and lots more. More about the yes bank credit card benefits are discussed below. 

What are the yes bank private prime credit card eligibility criteria?

** It is an Invitation only credit card, only the customer who got the invitation for this card from Yes Bank can get this card.**

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: It is an invite-only credit card, only the customer who got the invitation for the card, can apply. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: It is an invite-only credit card, only the customer who got the invitation for the card, can apply.
  • An excellent CIBIL score (Above 750) is required to apply for this yes private prime card. 
  • A healthy relationship with the bank may help you to get this Yes bank private card more easily.

As you submit your yes bank credit card application form, you will get a unique application id that you can use to track your yes bank credit card application status.

What documents are required to apply for the yes private prime card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest income tax return.  
      • Proof of business.
      • Recent audited financial report. 

As per the new rbi guidelines for credit card issuers, all new yes bank credit cards are delivered in an inactive state, and to start using those cards you need to activate them manually by generating a new PIN. You can find more about the yes credit card pin generation process from the 100xGain faq page.

What are the Yes Private prime card fees?

  • Yes private prime card joining fee: Rs. 20,000 + GST 
  • Yes bank credit card annual charges: Rs. 10,000 + GST (Can be waived off if Rs. 20,00,000 is spent within a year)

What are the yes bank credit card benefits?

  • A huge welcome bonus to make a wonderful start for you:

On making your first successful transaction within the first 90 days of card activation, you can get up to 10,000 bonus rewards as a welcome gift. 

  • Make your every transaction rewarding:

for every Rs.100 domestic transaction made using this card, you will get 2 reward points. You can also earn 3 yes bank credit card rewards for the same on international transactions. You can also check the status of your yes bank credit card reward points from your net banking account.

  • Make your travel luxurious with complimentary lounge access:

In order to make your travel more luxurious than before, this yes bank credit card features unlimited free access to domestic and international airport lounges. This yes bank credit card lounge access offer is applicable for primary, add-on members and also for the guests.

  • Earn exclusive deals on hotel booking:

You will get a gift voucher of Rs. 9,000 from Oberoi Hotels both as a welcome gift and an annual benefit. You will also get some special benefits from top hotels like Mandarin Oriental, The Langham, Grand Hyatt, etc. You will also get up to USD 75 savings per head on cruise booking and up to USD 100 savings per head on exclusive vacation packages. 

  • Make your weekends entertaining with complimentary golf rounds:

This yes bank credit card offers you up to 12 free annual access to most of the premium golf courses. You will get a maximum of 3 complimentary golf rounds and 3 free golf lessons per quarter. This yes private credit card also offers complimentary guest access every quarter. You will also get some exclusive privileges from top international golf clubs like TPC, Krung Kavee Golf Course, Balios Country Club, etc.

  • Make your evenings delightful with exclusive deals on movie tickets:

If you purchase a movie ticket from BookMyShow using this card, you will get another one completely free. You can earn a maximum of 4 free movie tickets per yes bank credit card statement cycle. This card also offers up to a 50% discount on special event tickets, you can get a maximum of Rs.1,000 discount per yes bank credit card statement cycle.

  • A multilingual concierge service to assist you:

This yes credit card comes with a world-class multilingual concierge service facility to provide you with assistance. Call the yes credit card customer care number to book your concierge.

  • Enjoy freedom from fuel surcharges:

This yes private credit card offers you an exclusive waiver on fuel surcharges, this yes private credit card offer is applicable on transactions between Rs. 400 to Rs. 5000. 

  • Complimentary insurance coverage protection to stand for you in emergencies:

In case of air accidental death, this Yes bank premium credit card can stand for you with its built-in accidental insurance coverage of Rs.1 Cr. You will also get an Rs. 1Cr. coverage against overseas medical emergencies. This Yes Bank credit cards offer a credit shield of Rs.15 lakh (applicable in the event of the primary cardholder’s accidental death).

  • Security of the advanced EMV chip:

The yes Bank has installed the advanced EMV chip on this prime credit card. These chips use a very strong encryption method to store your data which makes your card more secure than before.

What are the yes bank credit card charges?

Particulars

Payable amount

Yes bank private credit card cash withdrawal charge       None (check your available yes bank credit card limit before making a withdrawal)
Yes bank private credit card finance charge  1.20% monthly (for the Yes Bank account holders) & 1.99% monthly for others. 
Yes bank credit card foreign transaction fee 1.75% against the transaction amount.
Yes bank credit card add on card fee Depending on the customers profile

How to contact the yes bank credit card customer care department?

  • Call the yes bank credit customer care number: 1800-103-1212 (Toll-free) or 022-4935-0000
  • Write to the yes bank credit card customer care email id: yestouchcc@yesbank.in 

100xGain Ratings: 

6/10

Pros and Cons:

Pros

Cons
  • This yes bank credit card offers tons of travel benefits along with unlimited free access to most of the frontline airport lounges.
  • Golfers will also love this card since it offers up to 12 complimentary golf accesses
  • There is also complimentary Insurance coverage on this yes private credit card
  • The joining fee is a bit high
  • There are no dining benefits on this card 

Final Opinion:

If you want to get the best yes bank credit card available in India then you would love the Yes Private Prime credit card. Offering unlimited free access to airport lounges, exclusive deals on hotel booking, and complimentary golf rounds, this card brings so much value with it that it can easily offset the high yes bank credit card annual charges

But this yes bank card does not have anything in the dining and shopping categories, which can be a dealbreaker for some people. If so, then feel free to take a look at our top premium credit card pages, you can also compare the alternative card options given below.

Alternative cards of the yes private prime credit card

  1. HDFC bank diners clubmiles card (Best for offering reward points and lounge access benefits) 
  2. ICICI rubyx credit card (Best for offering lounge access and dining benefits) 
  3. IndusInd bank pinnacle credit card (Best for lounge access and movie benefits) 
  4. RBL insignia preferred banking world card (Best for lounge access and golf benefits)

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