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Yes Bank is one of India’s largest Private sector commercial banks and is known for its exclusive financial services. The Bank has provided many credit cards ranging from basic to premium as well as super premium credit cards. Each Yes Bank Credit Card offers great benefits and privileges to its cardholders. However, the bank with a recent move has revised the features and benefits of its credit cards. A few features like the Reward Rate and Airport Lounge Access have been revised. While some benefits have been upgraded, a few have also been devalued like the reward redemption rate.
Any change in the credit card features will not affect the credit account ownership of the cardholders and all the changes would be applicable only after 17th October 2022. So, if you are a Yes Bank Credit Cardholder or considering getting a new Yes Card, then you must consider going through the following details.
Revised Yes Bank Credit Card Features
Yes Bank has brought changes in the features of many of its credit cards like complimentary lounge visits, reward rate, and much more. All the changes would be applicable w.e.f 17th October 2022. Therefore, the cardholder would continue to enjoy the existing benefits till 16th October 2022. The details of the changes brought have been explained below:
Yes Bank Super-Premium Credit Cards
Yes Bank Private/Private Prime Credit Card:
Yes Private/Private Prime credit card is the most premium credit card offered by Yes Bank. The card is known for its world-class premium benefits including Complimentary access to domestic and international airport lounges, travel privileges including a cruise program, car rentals, vacation packages, car rentals, lower forex fees, and much more. The following changes have been brought to the Yes Private/Private Prime Credit Card:
| Old Feature | New Feature |
|
2% Reward Points on domestic Spends 3% Reward Points on international spends |
16 Reward Points on domestic spends and 24 Reward Points on international spends per Rs. 200. |
| 1 Reward Point = Rs. 1 | 1 Reward Point = Rs. 0.25 |
| Interest Rates of 1.99% per month | Interest Rates of 1.75% per month |
Yes Bank Premium Credit Cards
Yes First Exclusive Credit Card:
The Yes First Exclusive Credit Card is a premium credit card offered by Yes Bank. The Exclusive Credit Card is known for lavish benefits in travel as well as for shopping. W.e.f 17th October, the Exclusive Credit Card will be updated with the following features:
| Old Feature | New Feature |
| 25,000 Bonus Reward Points on spending Rs. 20 Lakhs or more in each anniversary year. | (REMOVED) |
| – | 24 Reward Points on every Rs. 200 on Travel and Dining Spends (Capped at 5,000 per month) |
| Unlimited International Airport Lounge Access with both Visa and Mastercard variants. | 6 Complimentary access to International Airport Lounges with both Visa and MasterCard variants. |
| Interest Rates of 1.99% per month | Interest Rates of 2.99% per month |
Yes First Preferred Credit Card:
The Yes First Preferred Credit Card is also a premium credit card that offers great benefits for those who love to shop. The card offers great benefits like travel, golf, and a lower foreign markup fee. The following are the changes brought to the Preferred Credit Card:
| Old Feature | New Feature |
| 25,000 Bonus Reward Points on spending Rs. 20 Lakhs or more in each anniversary year. | (REMOVED) |
| – | 16 Reward Points on every Rs. 200 on Travel and Dining Spends (Capped at 3,000 per month) |
| Interest Rates of 3.5% per month | Interest Rates of 3.6% per month |
YES Premia Credit Card
YES Premia Credit Card is yet another premium credit card offered by the bank with an annual fee of Rs. 999. The card is best suited for travel-related uses and offers a high reward rate. The premia card features that have been changed by the bank are as follows:
| Old Feature | New Feature |
| 2 International Airport Lounge access in a year with Mastercard Variant. | 3 International Airport Lounge access in a year with Mastercard Variant. |
| – | 12 Reward Points on every Rs. 200 on Travel and Dining Spends (Capped at 2,500 per month) |
| Interest Rates of 3.5% per month | Interest Rates of 3.6% per month |
| Foreign Currency Markup of 2.50% | Foreign Currency Markup of 2.75% |
| – |
Life Insurance Cover of Rs. 1 Crore in case of Flight Accidental Death. Medical Insurance cover of Rs. 30 Lakhs for overseas emergency hospitalization. |
Also Read: Yes Bank Reduces Joining/Renewal Fees of Various Credit Cards
Yes Bank Featured Credit Cards
YES Bank Prosperity Edge credit card
The Yes Prosperity Edge Credit card is a basic mid-level shopping credit card that offers a high reward rate to cardholders. The card carries an annual fee of Rs. 399 and offers great benefits such as complimentary golf games, lounge access, and much more. Following are the changes brought to the card:
| Old Feature | New Feature |
| – | 8 Reward Points on every Rs. 200 on Travel and Dining Spends (Capped at 1,500 per month) |
| Interest Rates of 3.5% per month | Interest Rates of 3.6% per month |
| Foreign Currency Markup of 3.50% | Foreign Currency Markup of 2.75% |
YES Prosperity Rewards Plus Credit Card
The YES Prosperity Rewards Plus Credit Card is issued at a joining fee of Rs. 399 and offers great benefits such as Insurance cover for the primary cardholder, a great reward rate, and more. Following are the changes in the card effective from 17th October:
| Old Feature | New Feature |
| 12,000 Bonus Reward Points on spending Rs. 3.6 Lakhs or more in each anniversary year | (REMOVED) |
| Interest Rates of 3.5% per month | Interest Rates of 3.6% per month |
| Foreign Currency Markup of 3.50% | Foreign Currency Markup of 2.75% |
YES BANK Prosperity Rewards Credit Card
The YES Bank Prosperity Rewards credit card is the lower version of the Prosperity Rewards Plus Credit Card. The card carries an annual fee of Rs. 399. Following are changes brought to the card:
| Old Feature | New Feature |
| 10,000 Bonus Reward Points on spending Rs. 1.8 Lakhs or more in each anniversary year | (REMOVED) |
| Interest Rates of 3.5% per month | Interest Rates of 3.6% per month |
Bottom Line
Though there are some features like interest rates, foreign currency markup, and welcome benefits of some Yes Bank credit cards that have been devalued or have been removed. However, there are such features as well that have been upgraded and added too. Like the accelerated reward points on travel & dining spends, lower forex fees, an increase in lounge visits, and insurance covers. Note that the above-mentioned changes brought to the Yes Bank Credit cards will be effective from 17th October 2022.
If you are holding any of the above-mentioned credit cards, let us know your opinion on the changes brought to your card in the comment section below, also feel free to ask any doubts if you have.
