YES PREMIA Credit Card
Apply for the best credit card of Yes Bank
Welcome Benefits
- First Year Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 20000 in first 30 days
YES PREMIA Credit Card: Fees & Charges
| Type of fee or charge | Amount (Rs.) |
|---|---|
| Joining Fee: | ₹ 999+ GST |
| Annual/Renewal Fee: | ₹ 999+ GST |
| Finance Charges: | 3.80% per month (45.60% annually) |
| Spend Based Waiver: | Not Applicable for this card |
| Over Limit Penalty: | 2.5% of overlimit amount, subject to a minimum of 500/- |
| Rent Payment charges | 1% Processing fee transaction amount |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
| Total Amount Due/Statement Balance | Late Payment Charges |
|---|---|
| Less than or equal to 100 | NIL |
| Above 100/- and up to 500 | 150 |
| Above 500/- and up to 5000 | 500 |
| Above 5,000/- and up to 25,000 | 750 |
| Above 25,000/- and up to 50,000 | 1100 |
| Above 50,000/- | 1200 |
Eligibility criteria
Age: Applicants should be at least 21 years old.
Income: A minimum net monthly income of ₹1 lakh or an annual Income Tax Return (ITR) of over ₹9 lakh
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof
Document Requirements
1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof
Other Information
Frequently Asked Questions
What is the annual fee of YES PREMIA Credit Card?
The Annual fees of YES PREMIA Credit Card is 999+ GST. And there is Joining fees is 999+ GST.
What is the interest rate on the YES PREMIA Credit Card?
The YES PREMIA Credit Card has an interest rate of 3.80% per month (45.60% annually)
Are there foreign transaction fees on the YES PREMIA Credit Card?
Yes, The YES PREMIA Credit Card charges a 3.4% fee for all transactions in foreign currency .
What is the credit limit of YES PREMIA Credit Card?
The credit limit for the YES PREMIA Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Yes Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Yes Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.
Card other Details
YES PREMIA Credit Card Credit Limit: Up to ₹10 Lakh