YES Private Credit Card
An invitation-only black metal card reserved for ultra-high-net-worth clients, business leaders, and family offices. It features unlimited domestic and international airport lounge access with guest entry allowances, 24/7 dedicated private banking support, and access to private aviation and yacht charters.
Why We Recommend The YES Private Credit Card
An exclusive metal private banking card with unlimited global guest lounge access, held by a small group of UHNI wealth clients.
Ultra-high-net-worth clients requiring unlimited worldwide lounge access with guest entry and private concierge services.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES Private Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (up to ₹0.50 on luxury catalog and airline mileage transfers) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES Private Credit Card
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES Private Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits for primary cardholder and accompanying guests
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary international airport lounge visits via Priority Pass for primary cardholder and accompanying guests
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES Private Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Hand-crafted engraved metal card body issued strictly by invitation.
Unlimited domestic and international airport lounge access with guest entry allowances.
Dedicated 24/7 private wealth banker and bespoke lifestyle concierge desk.
Pros & Cons of the YES Private Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Unlimited worldwide airport lounge access with guest privileges included.
- High 2.0% base return across all transactions without restrictive category caps.
- Complimentary top-tier hospitality memberships and airport meet-and-assist services.
Things to Consider (Cons)
- Steep joining fee of ₹50,000 + GST.
- Available strictly by personal invitation to ultra-high-net-worth clients.
- Requires substantial Private Wealth relationship balances with YES Bank.
Who Can Apply for the YES Private Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
780+ Score Recommended
Applicants with a credit score of 780 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES Private Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the YES Private Credit Card?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.