CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
42
#12 of 70 in debit
Yes Bank

Yes Premia Debit Card

debitMastercardpremiumProvisional score

Debit product carrying golf lessons and high transactional boundary clearances.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value28/100 · weight 65%
≈ 1.25% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks26/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹600 + 18% GST
= ₹708 / year total
Waiver: Premia status
Forex markup
2.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendspoints1.25%(5 pts @ ₹0.25)—5 Points per Rs 200 across YES Bank POS partners

What's inside

Lifestyle

  • Partner Dining Discount (15.000%)

    ₹0

    Flat 15% discount strictly on specific dining tie-ups