https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_6446192
Wait 6months
If bank still viable then, you can take account
Need advice : YES Bank Premia Savings programme : YES Premia World Debit card
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Hi Dimers,
Need advice with chosing a savings account from YES bank.
Account name : YES Premia Savings programme
Debit card : YES Premia World Debit card
Use case : Paying CC bills through CRED.
Benefits of card:
Value Chart for your YES PREMIA World Debit Card*
- Product features and Benefits Value (in INR)
- Welcome On-board offers 14,000
- Once per quarter complimentary Lounge Access at Domestic Airports 8,400
- GREEN FEE waiver for accessing select Premium Golf Courses in India 16,000
- Discount of INR 200 on Movie Tickets booked through BookMyShow 2,400
- YES Rewards Points on Domestic Retail Spends (INR 30,000 per month) 450
- Special Benefits on Fine Dining 9,000
- Free Domestic & International ATM transactions 400.
- Total Value Proposition on YES PREMIA World Debit Card 50,650
*Terms & Condition Apply
1 Reward Points = INR 0.25
The branch guys told me I can go for this card by opening the account with 2lakhs seeding money and then once account opened I can withdraw the entire amount. I am more interested in the points 5&6. Especially 6. Assuming it is per month 450rs /m with 30,000 spend it is coming upto 1.5% Cashback. Is this card worth it ? Any hidden clauses that I am not seeing ?
Moreover this card comes with the same benefits as my salary account debit card. Unlimited withdrawal from any ATM, free phone , net banking. alert subscription, cheque , DD facility etc.
This account doesn’t need AMB or AQB. I can also open family accounts Zero balance. Plus the card will come for free which is about 1250 according to yes bank website.
Is this comparable to the DCB card ? Please help me.
https://www.yesbank.in/personal-banking/yes-ind...
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https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_6446212
kirandr221996 wrote:Wait 6months
If bank still viable then, you can take account
Why bro, why not now ? I will withdraw the money immediately after depositing.. anything wrong ??
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7220944
@A.M.A.Z.O did you eventually take this account? How did it go?
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7221262
I have this account…
Existing account was converted into premia family relationship…they provided some preferred credit card as well (no documents). Not using either the debit card or credit…
And they do have AMB required (internally). If balance is not maintained above certain threshold then they deserve to downgrade post communication (if that happens debit card becomes chargeable ..like 1K or so every year )
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7227840
Sudarshan61 wrote:Thanks for sharing. Was it initially offered to you as zero balance account? They are offering me zero balance account based on Yes first exclusive credit card. I'm confused between premia and yes first.
I have this account... Existing account was converted into premia family relationship...they provided some preferred credit card as well (no documents). Not using either the debit card or credit... And they do have AMB required (internally). If balance is not maintained above certain threshold then they deserve to downgrade post communication (if that happens debit card becomes chargeable ..like 1K or so every year )
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7228022
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chai_lover wrote:Thanks for sharing. Was it initially offered to you as zero balance account?
They are offering me zero balance account based on Yes first exclusive credit card. I’m confused between premia and yes first.
Dont know…I never asked..
My Initial account was 10K AMB..latter when more accounts+Balance was added they converted to Premia family
Cross check schedule of charge for both…they do have certain relationship value as program eligibility…and they may withdraw the benefit..
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7696106
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7696398
This is a great platform and trustworthy
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7698837
Kyash.no
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7698843
100kyash kam
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7699811
Cod
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7700205
Nice
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https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7766601
@Sudarshan61
Today when i visited the branch they offered me this account but no1 was aware what are the onboarding benefits worth 14k which was mentioned in the leaflet and the description above.
Did u get any welcome benefits worth that amount?
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_7766713
Tjs15 wrote:@Sudarshan61
Today when i visited the branch they offered me this account but no1 was aware what are the onboarding benefits worth 14k which was mentioned in the leaflet and the description above.
Did u get any welcome benefits worth that amount?
No vouchers as such…this are discounts
Details are here : https://www.yesbank.in/pdf/mastercard_welcome_a...
Not sure if all this offers are renewed or not
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_8809907
I opened this account and it is true. It's a 0 balance account once opened with 2 lakh initial deposit. You get Visa Infinite debit card (or RuPay Platinum if you request/complain to the CEO/MD). 
However be careful about DC if not maintaining balance as Sudarshan61 said. There are no MAB non-maintenance charges but debit card is not free if not maintaining MAB. And the Yes Premia DC is quite expensive ₹1000 or so + GST so you will be charged that amount. You can change to a different debit card though e.g. a much cheaper one, then you will be charged only for that.
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_8957366
are you still on this program or have you been downgraded? if on same program have you maintained the stipulated 2L balance or was there any fluctuations in your balance(asking as I have a business and sometimes my balance drops) I currently have pioneer account with IndusInd bank and haven't maintained 10L balance after COVID and my account is still in the same program.
https://www.desidime.com/discussions/need-advice-yes-bank-premia-savings-programme-yes-premia-world-debit-card?page=1#post_8958345
I am maintaining >1L balance, not 2L in hope of getting LTF Yes Bank credit card. Haven't been downgraded but even if they do, only the debit card which is RuPay Platinum in my case will become chargeable. No MAB non-maintenance charges.
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