YES BANK Privilege

YES Bank

YES BANK Privilege is a balanced rewards credit card from India's most digitally innovative private sector bank, offering accelerated reward points on travel and dining combined with airport lounge access and everyday fuel surcharge savings. At an annual fee of ₹1,000 — reversed on spending ₹1 lakh per year — the card delivers solid value across key spending categories for urban professionals. The 2% reward rate on travel bookings (flights, hotels, holiday packages) through any channel is the card's primary draw. For someone spending ₹2 lakhs per year on travel, this translates to ₹4,000 in reward points — 4x the annual fee in travel value alone. Unlike some cards that only reward travel booked through their own portal, the YES BANK Privilege rewards all travel spends, regardless of booking channel. Dining and food delivery reward of 1.5% on Swiggy, Zomato, and restaurant spends addresses another major spending category for urban professionals. For a household spending ₹8,000 per month on dining and food delivery, the 1.5% reward translates to ₹120 per month or ₹1,440 per year. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide modest but useful travel benefits, while the 1% fuel surcharge waiver at all fuel stations adds consistent savings for commuters. The card requires a minimum annual income of ₹2.5 lakhs and is available to individuals aged 21-60 years. The ₹1 lakh annual spending threshold for annual fee reversal is approximately ₹8,333 per month — highly achievable for most working professionals. Source: YES BANK official website, updated May 2026.