Yes Bank Private Prime Credit Card: Benefits & Apply

Summary

In short, the Yes Bank Private Prime Credit Card is one of India’s most exclusive and high-end credit cards. It’s only for people with a lot of money. First of all, this card is only available to a select few people, and it comes with a lot of opulent benefits that other credit cards don’t offer. It includes everything about a lavish lifestyle, like free access to airport lounges in the US and overseas, and exclusive hotel privileges.

It also has a wonderful rewards program, which makes it a great deal. You get two reward points for every ₹100 you spend on things in your area. You gain three points for every ₹100 you spend on things from other countries. You may use these points to book hotels, flights, gift cards, and more. The card also has a terrific welcome offer that includes Oberoi gift cards worth ₹9,000 and reward points.

The card also comes with a credit shield and several travel-related insurance plans, such as flying accident insurance and medical insurance for when you’re overseas. These features keep you safe when you travel, whether you’re in the US or another country. If you travel a lot, foreign money is an excellent option because it only costs 1.75% more than regular money.

Introduction

These days, using a credit card isn’t just for paying bills; it’s also for receiving more comfort, bonuses, and special deals.  One of the most expensive premium credit cards for rich people in India is the Yes Bank Private Prime Credit Card. This is for people who desire more than just rewards. They want to be able to live a life that reflects their status, with luxury, comfort, and personal attention.  You may obtain the best travel, shopping, dining, and entertainment experiences and services with this card. 

To start, the Yes Bank Private Prime Credit Card is not a regular card.   Only persons who have been invited to apply for this credit card can get it.   Yes Bank only wants some customers to apply for this card if they meet certain high-income or wealth requirements.  This makes the card highly rare, precious, and of the best quality in every regard.  

The card is wonderful for your money and also gives you access to luxury travel and leisure activities.   You earn points for every transaction, which you may then use to buy flights, hotels, vouchers, and even expensive gifts.   The card also covers several things, such as lost or stolen luggage, travel accidents, and medical emergencies.   This makes it a great travel companion for folks who travel for a job or enjoyment.  

This card comes with a personal relationship manager and a concierge service that is open 24/7 to help you with bookings, reservations, and even gift delivery. This is one of the finest things about it.   The card also has lower foreign currency mark-up costs, which is beneficial for folks who travel a lot or buy products from other countries.  

What is the Yes Bank Private Prime Credit Card?

The Yes Bank Private Prime Credit Card is a very high-end credit card that only a few people can get. This card is for people who have a lot of money and want more than just rewards. They want top-notch service, privacy, and special benefits. This card is different from other credit cards since it enables you to stay in fancy hotels, utilize airport lounges all over the world, and enjoy concierge services 24 hours a day, seven days a week. 

It also has a lot of financial value because it gives you reward points, decreases the markup on foreign currency, and covers you with insurance. The card also features a premium design and a personal relationship manager who can help you with all of your banking needs.   So, the Yes Bank Private Prime Credit Card is more than just a tool to pay for things.   People who demand the best of everything live this way.

How is the design of the Yes Bank Private Prime Credit Card?

The design of the Yes Bank Private Prime Credit Card is high-end and stands out. The card’s slick black metal surface makes it look rich and powerful right away. This metal card, on the other hand, feels heavy and robust in your palm. This shows that you are strong and unique. 

The card also has a clear layout and a plain style.  The YES Bank logo, your name, and card information are all attractively carved instead of merely being printed.  It contains an EMV chip for secure transactions and accepts contactless payments, making it both stylish and modern.  This card’s design isn’t only for appearances; it also symbolizes that the person who possesses it is powerful, significant, and of high rank.

What are the benefits of the Yes Bank Private Prime Credit Card?

Here are the most significant things regarding the Yes Bank Private Prime Credit Card, written in simple words with smooth transitions:

Access to travel and lounges 

• First, cardholders can utilize airport lounges in the US and around the world all year long without any limits. 

• Both primary and add-on cardholders can bring up to four guests each year, one every three months.  

Golf Privileges 

• You also get 12 free rounds of golf and 12 golf lessons with the card. 

• You can also play at certain US golf courses for free four times a year (once every three months), and you can play anywhere in the world through the TPC network of Mastercard World Elite.  

Offers for fun and lifestyle 

• With the card, movie fans can buy one ticket and get one free (up to four free tickets a month, with a maximum discount of ₹250 each ticket). Through BookMy., They can also get 50% off events like plays and concerts (up to ₹1,000 a month). 

Reward Program 

• You get 2 points for every ₹100 you spend in India (about 2%) and 3 points for every ₹100 you spend outside of India (approximately 3%).

• When you use a reward point, it usually equals ₹0.25.  

New Members and Renewals Get Benefits 

• When you activate your account (within 90 days of your first transaction), you earn ₹9,000 in Oberoi e-gift cards and 10,000 reward points. 

• The welcome package doesn’t pay for all of the fees for joining or renewing, but it does come with a ₹9,000 renewal benefit voucher. 

What are the fees for the Yes Bank Private Prime Credit Card?

Here is a simple breakdown of the  Yes Bank Private Prime Credit Card fee.

Joining Fee	₹50,000 + GST
Annual Fee	₹50,000 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 1.75% per month (21% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank Private Prime Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Yes Bank Private Prime Credit Card?

The documents that you will have to submit to get the Yes Bank Private Prime Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank Private Prime Credit Card be used?

Here is the list of places where you can use it:

• With the Yes Bank Private Prime Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Yes Bank Private Prime Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Yes Bank Private Prime Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank Private Prime Credit Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank Private Prime Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the Yes Bank Private Prime Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Yes Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Private Prime Credit Card.

• Simply hover your cursor over the Yes Bank Private Prime Credit Card and select ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents such as your identity proof, address proof, income proof, and a photograph, as listed above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Yes Bank branch to apply for the Yes Bank Private Prime Credit Card.

• Request the credit card application form for the  Yes Bank Private Prime Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Yes Bank Private Prime Credit Card by post at the same postal address.

• Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Yes Bank Private Prime Credit Card in 2025 be the right choice?

Obtaining the Yes Bank Private Prime Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

The Yes Bank Private Prime Credit Card is a highly robust and high-end credit card that comes with a lot more than just the basics. First of all, this card is only for rich people who want a high-end lifestyle and high-value rewards. The card has several great benefits for people who live an elite lifestyle, such as unlimited access to airport lounges, complimentary rounds of golf, and great hotel privileges.

The card doesn’t just focus on luxury; it also gives you a decent deal. You gain reward points every time you spend money. You may use these points to buy flights, hotels, and other expensive gifts. The low markup on foreign currency, free movie tickets, and BookMyShow savings make your trip and entertainment even better. There is a lot of insurance that comes with the card, like credit shield protection, air accident coverage, and medical coverage when you are overseas. This means you can relax while you shop or travel.

One of the best things about this card is that it gives you personal care. With a professional relationship manager and a concierge service that is available 24 hours a day, seven days a week, you can easily handle your bookings, reservations, and even luxury gift delivery. The card’s metal composition also makes it seem and feel classy and unique.

Frequently Asked Questions (FAQ’s)