YES Premia Credit Card

YES Premia Credit Card Features and Benefits

YES Bank Premia Credit Card, a premium card offered by Yes bank. It comes with various exclusive benefits in various categories, like travel, insurance, rewards, and much more. The following are some of the most important features and benefits of this credit card:

Travel Benefits

• Enjoy complimentary Priority Pass Membership along with 3 complimentary airport lounge access outside India.
• For lounge visits within India using Priority Pass, you will be charged a fee of US $27 + GST per person per visit. The same applies to the international lounge visits exceeding 3 complimentary lounge visits.
• You get 1 complimentary lounge access per calendar quarter (for primary cardholders only).

Movie Benefits

• Get a 25% discount on movies on booking via BookMyShow using your YES Premia Credit Card.
• You can avail of a maximum benefit of Rs. 250 in a calendar month with this offer.

Golf Benefits

• You get 4 green fee waivers at selected golf courses across India.
• Enjoy 1 complimentary lesson for golf every calendar month at selected golf courses all over India.

Insurance Benefits

You get a credit shield cover worth Rs. 2.5 lakhs, Life Insurance Cover of Rs. 1 Crore in case of Flight Accidental Death, and Medical Insurance cover of Rs. 30 Lakhs for overseas emergency hospitalization.

Joining and Renewal Fee Waiver

• On spending Rs. 25,000 in the first 90 days of card activation, you can get the joining fee of the card waived.
• On spending Rs. 1.5 Lakh or above in a year you can get the next annual fee waived.

Fuel Surcharge Waiver

• Get a 1% wavier on the fuel surcharge for fuel transactions above Rs. 400 and below Rs. 5,000.
• The maximum benefit of Rs. 250 every month can be availed through the fuel surcharge waiver.

Low Foreign Currency Markup Fee

The YES Premia Credit Card comes with a very low foreign currency markup fee of 2.75%, allowing you to save on your foreign currency spends.

YES Premia Credit Card Rewards

• You earn 6 Reward Points per Rs. 200 spent on retail transactions.
• Get 3 Reward Points per Rs. 200 you spend on tax payments, utilities, transportation, government services, postal services, etc.
• Accelerated 12 Reward Points on every Rs. 200 on Travel and Dining Spends (Capped at 2,500 per month).

Rewards Redemption

• The Reward Points earned are redeemable through Yes Rewardz, for movie/flight/hotel bookings.
• 1 RP = Re. 0.25 when redeeming against hotel/flight bookings.
• 1 RP = Rs. 0.25.
• 10 Reward Points = 1 InterMile for redemption against InterMiles.
• 10 Reward Points = 1 Club Vistara Point for redemption against Club Vistara Points.

YES Premia Credit Card Fees and Charges

The YES Premia Credit Card has several fees and charges associated with it. Some of the important ones of them are as follows:

Fee	Charged
Joining/Annual fee	Rs. 999
Interest Charges	3.6% p.m. (42% p.a.)
Foreign Markup Fee	2.75% of the transaction amount
Cash Advance Fee	2.5% (minimum Rs. 250)

YES Premia Credit Card Eligibility Criteria

When applying for the Premia credit card, certain criteria need to be fulfilled by the applicant to be eligible for the card. The details of the same has been mentioned below:

• To be eligible for the YES Premia Credit Card, the applicant should be between 21 years & 60 years of age.
• Applicants can be either self-employed or salaried.
• The applicant’s income should be a minimum of Rs. 1.5 lakhs per month or an Income Tax Return of 14.4 lakhs or more.

Documents Required

Following is the list of documents that are required when applying for the YES Premia Credit Card:

• Identity Proof: Aadhar Card, PAN Card, Passport, Driving License, Voter’s ID, etc.
• Address Proof: Utility bills, Driving License, Aadhar Card, etc.
• Proof of Income: Latest bank statements/salary slips (in case of salaried individuals) or Latest audited ITR (in case of self-employed people).

How to Apply for YES Premia Credit Card

Follow the steps given below to apply for the card online and if you want to apply for the card offline, visit the bank branch along with all the documents:

• Visit the YES Bank’s official website.
• Click on ‘Credit Cards.’
• Select ‘YES Premia Credit Card.’
• Click on ‘Apply Now’.
• Proceed by filling out the application form.

Conclusion

Issued by the YES Bank, the YES Premia Credit Card can be considered an ideal credit card as it has all the key features that one might be looking for in a credit card. It is very much comparable with the SBI Prime Credit Card, which comes with similar privileges. Along with providing exclusive reward offers, the Premia Card comes with exciting travel benefits, discount offers on movies, golf benefits, fuel surcharge waiver, joining/renewal fee waiver, and many more features. One of the best parts of the card is its low foreign currency markup fee, which is just 2.75%. So, along with enjoying all its benefits, you can save a lot on all your foreign currency transactions. Keeping all its benefits in mind, it can hereby be concluded that the YES Premia Credit Card is a significant choice for everyone looking for a card with exclusive benefits. If you are among them, you can definitely go with the YES Premia Credit Card.