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YES Premia Credit Card

YES Premia Credit Card

 Credit Card Payment GO TO YES CART

With the YES Premia Credit Card, you will always have it all. Welcome to a world of benefits, complemented by a highly rewarding experience.

Eligibility for YES Premia Credit Card

1: Age Criteria: Minimum 21 years to maximum 60 years

2: Salaried or Self Employed

3: Minimum Net Salary of INR 1.2 lakhs per month or Income Tax Return of INR 14.4 Lakhs and above.

 

The Premia Card is also available against Fixed Deposit of INR 2,00,000 and above. Visit your nearest YES BANK branch to apply. Currently available in select cities only.

 

To track your Application status, click here or please call our 24*7 YES TOUCH Customer Care Number 1800-103-1212 quoting the 13 digit unique application reference number sent to your mobile number.

 

For Samsung Pay, click here

 

For Bharat QR, click here

 

For Credit Card E Welcome Kit, click here

key attractions

International Lounge Access

2 complimentary International lounge visits per calendar year

ACCELERATED REWARDS

Accelerated Reward Points on select transactions through YES CART

MOVIE BENEFITS

Enjoy 25% discount on movie ticket bookings at BookMyShow

Benefits

  • Reward Points Program

    • Accelerated rewards point will continue to be offered on select transactions on YESCART

    • 6 Reward Points for every INR 200 on all categoriesb other than ‘Select categories’

    • 3 Reward Point for every INR 200 on Select categoriesa

    • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)c

  • Reward Points Redemption

    • Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption

    • Exclusive Catalogue of Products to choose from

    • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)

    • Please visit YesRewardz to know more or redeem Reward Points

  • 25% Discount on Movie Tickets booked on BookMyShow

    • Avail 25% discount on movie tickets booked on BookMyShow Website or Mobile Appf. Please click here to know more

  • International & Domestic Lounge Program*

    • Domestic Lounge Program - 1 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember

    • International Lounge Program –

      • Cards issued on Mastercard: Complimentary Priority Pass Membershipe (available upon request) with 2 complimentary visits per calendar year at airports outside India. A charge of US $27+GST will be applicable for usage beyond 2 visits, all guest visits and usage at Airports within India.

      • Cards issued on VISA: Avail 2 Complimentary Airport Lounge Visits per calendar year through the LoungeKey Programe. Present your Visa branded YES BANK Credit Card to access Lounges outside India displaying the LoungeKey logo. A charge of US $27+GST will be applicable for usage beyond 2 visits and all guest visits.

*Priority Pass membership is applicable only for the Primary Cardmember (for cards issued on Mastercard), and is non-transferable to any other person(s). To apply for your Priority Pass membership, please download the Application Form and follow the steps mentioned in the form.

 

For complete list of lounges, please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)

  • Complimentary Golf Program

    • Enjoy waiver of 4 Green Fee at select golf courses in Indiad

    • Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India. Please click here to know more

  • Interest Rate on Revolving Credit

    • Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount

    • Interest Rate of 3.0% per month (36% annually) on Revolving Credit, Cash Advances and Overdue Amount for Credit Cards Issued against Fixed Deposit

  • Preferential Foreign Currency Markup

    • Preferential Foreign Currency Markup of 2.50% only

  • Insurance Coverage

    • Credit Shield cover of INR 2.5 Lacs in case of accidental death of Primary Card member. Please click here to know more

  • Fuel Surcharge Waiver

    • 1% Fuel surcharge waiverg at fuel stations across India for transaction between INR 400 to INR 5,000

  • Lifestyle Benefit

    • Avail great offers across travel, dining, shopping, wellness and more, in select cities. Please visit YES Privileges to know more

  • Contactless Card Technology

    • Contactless transaction on the Card enabled with NFC Technology

    • YES Premia Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards

  • Secure Password for Online transactions

    • Secure your online transactions with MasterCard® SecureCode™

    • Click here to create your 3D Secure Password

  • Password for IVR transactions

    • To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS YESIVR<space>‘last 4 digits of your YES BANK Credit Card number’ to 9212738927 from your registered mobile number

    • For more details please click here

  • Enjoy below services on your Credit Card

  1. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories. Not valid on EMI on Call & Instant EMI transactions

    MCC

    Description

    4111

    Transportation—Suburban and Local Commuter Passenger, including Ferries

    4121

    Limousines and Taxicabs

    4131

    Bus Lines

    4900

    Utilities—Electric, Gas, Heating Oil, Sanitary, Water

    5411

    Grocery Stores, Supermarkets

    5960

    Direct Marketing—Insurance Services

    6300

    Insurance Sales, Underwriting, and Premiums

    8211

    Schools, Elementary and Secondary

    8220

    Colleges, Universities, Professional Schools, and Junior Colleges

    8241

    Schools, Correspondence

    8244

    Schools, Business and Secretarial

    8249

    Schools, Trade and Vocational

    8299

    Schools and Educational Services—not elsewhere classified

    9211

    Court Costs Including Alimony and Child Support

    9222

    Fines

    9311

    Tax Payments

    9399

    Government Services—not elsewhere classified

    9402

    Postal Services—Government Only

    9405

    Intra-Government Purchases—Government Only

    4784

    Bridge and Road Fees, Tolls

    5499

    Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

  2. Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance Fee & Charges, Priority Pass & LoungeKey Charges, EMI on Call & Instant EMI transactions

  3. Applicable only on standing instruction based YES PayNow transaction. Not applicable for register and pay or adhoc payments. Additionally, please note – a. De-registration of a biller within 6 months on YES PayNow will result in reversal of reward points earned for that particular biller transaction. b. De-registration of biller post 6 months of YES PayNow registration, followed by re-registration will not earn any reward points.

  4. Terms and conditions apply. The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers

  5. Terms and conditions apply. The list of lounges is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without prior notice to YES BANK or its Cardmembers. Please visit please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)

  6. Total value of discount in a calendar month is capped at INR 250 per card or 25% of ticket value, whichever is lower

  7. Total waiver in a statement cycle is capped at INR 250. Only surcharge will be waived, GST as levied on surcharge will not be waived. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks.

  8. In case of lost /stolen card or any suspicious transaction on your YES BANK credit card, you can block your card immediately by sending an SMS. SMS BLKCC <Space><Last 4 digits of card number> to 9840909000 from your registered mobile number

  9. These charges will reflect in your credit card statement within 90 days from the date of usage of Priority Pass or LoungeKey for lounge usage

Click here for value chart

Charges

Annual Membership Fees

  1. First Year Membership Fee of INR 1,599 + Applicable Taxes, waived on total retail spends of INR 25,000 within 90 days of card set up date

  2. Renewal Membership Fee of INR 1,599 + Applicable Taxes, waived on total retail spends of INR 150,000 within 12 months prior to card renewal date

Easy ways to make YES BANK Credit Card Bill Payment

You can pay the YES BANK Credit Card Bill through the following convenient channels

a) For YES BANK Account Holders:

  • Net Banking: Register yourself for the YES BANK Net Banking and make Credit Card payments online.

  • Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account.

  • ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM.

b) For All Customers:

  • For NEFT/IMPS/RTGS mode of payment - “You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC”

  • Net Banking: Make payment through any bank Net Banking account using BillDesk facility. Click here

  • Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit YES BANK Credit Card Number, and drop the cheque at nearest YES BANK drop box. Please mention your name and mobile number on the back of the cheque.

  • Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.

  • YES Mobile App: You can pay through your YES BANK Savings Account or any other bank account

  • YES Pay App: You can also pay your Credit Card bill with your YES BANK account or any other bank account using UPI*

*Currently available only on android devices

Privileges

Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES. Click here

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

  • Key Attractions:

    • Zero documentation

    • No Processing fees

    • Repayment options from 3 months to 24 months

    • Convert Transaction starting from as low as INR 2,500

    • Interest Rates ranging from 12% p.a to 15% p.a

  • List of Partners:

    • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy instalments at the following merchant partner.

    • Please click here to view list of stores and click here to view list of online partners

    • For detailed Terms and Conditions please click here

Credit Card Payment

Easy ways to make YES BANK Credit Card Bill Payment

You can pay your YES BANK Credit Card Bill through the following convenient channels

1) For YES BANK Account Holders:

  • Net Banking: Register yourself for the YES BANK Net Banking facility and make Credit Card payments online. Click here to visit Net Banking

  • ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM

  • Standing Instruction: You can submit written instructions to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account

2) For All Customers:

  • For NEFT/IMPS/RTGS mode of payment - You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC

  • Cheque Payment: You can make your YES BANK Credit Card payment by cheque, quoting your 16-digit YES BANK Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please do mention your name and mobile number on the back of the cheque

  • Net Banking: Make payment through any bank Net Banking account using BillDesk facility. Click here

  • Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the Schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments

  • YES Mobile App: You can pay through your YES BANK Savings Account or any other bank account

  • YES Pay App: You can also pay your Credit Card bill with your YES BANK account or any other bank account using UPI*

  • YES ROBOT: You can pay your Credit Card bill with your YES BANK account or any other bank account using BillDesk facility

*Currently available only on android devices

what would you like to do next?

Important Documents
Find a Branch

Have any other query?

Q. What are the easy ways to make YES BANK Credit Card Bill Payment?

A. You can pay the YES BANK Credit Card Bill through the following convenient channels
a) For YES BANK Account Holders:

  • NetBanking: Register yourself for the YES BANK NetBanking and make Credit Card payments online.
  • Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account..

b) For All Customers:

  • For NEFT/IMPS/RTGS mode of payment - “You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC”
  • Billdesk: Click on the given link to make the payment using Billdesk facility https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
  • Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please mention your name and mobile number on the back of the cheque.
  • Cash Payment: You can also make payment through Cash at YES BANK Branches.Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.

+

Q. How do I contact YES BANK Credit Cards Customer Care?

A. You may contact us on our 24*7 YES TOUCH Customer Care on the below numbers
a) YES FIRST Credit Cards

  •  1800 103 6000 (Toll Free for Mobile & Landlines in India)
  •  +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yesfirstcc@yesbank.in

b) YES Prosperity Credit Cards

  • 1800 103 1212 (Toll Free for Mobile & Landlines in India)
  • +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yestouchcc@yesbank.in

VIEW ALL FAQs

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Download Forms

Documents Required

  • Fair Practice Code for Credit Card Operations
  • Credit Card – Cardmember Agreement
  • Authorized Collection & Recovery Agencies
  • YES Prosperity MITC Credit Cards-English
  • YES Premia MITC Credit Cards-Bengali
  • YES Premia MITC Credit Cards-Gujrathi
  • YES Premia MITC Credit Cards-Hindi
  • YES Premia MITC Credit Cards-Kannada
  • YES Premia MITC Credit Cards-Marathi
  • YES Premia MITC Credit Cards-Punjabi
  • YES Premia MITC Credit Cards-Tamil
  • YES Premia MITC Credit Cards-Telugu
  • Code of Bank’s Commitment to Customers