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Last updated: 01-06-2026
YES FIRST Exclusive Credit Card
YES Bank

YES FIRST Exclusive Credit Card

"YES Bank's aspirational mid-premium card โ€” unlimited domestic lounge access, 12 free movie tickets per year, 3% online rewards and low 1.75% forex markup"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น999 + GST
๐Ÿ”„ Renewal Fee
โ‚น999 + GST
Waived: Annual fee waived on meeting annual spend milestone โ€” check current condition on YES Bank website
๐ŸŽฏ Best Suited For
Mid-level spenders who want unlimited domestic lounge access and good rewards at an accessible โ‚น999 annual fee; frequent movie-goers and domestic travellers wanting premium benefits without ultra-high fees
๐ŸŽ Reward Type
YES Rewardz Points (1 RP = โ‚น0.25; never expire; transferable to airline partners)
๐ŸŽ‰ Welcome Benefit
Welcome benefits including vouchers or bonus points on card activation โ€” check current offer on YES Bank website
๐Ÿ’ฐ Reward Rate
12 YES Rewardz Points per โ‚น200 on online spends (3% effective); 6 Rewardz Points per โ‚น200 on other eligible retail spends (1.5%); earns on utilities, insurance, education and recharge โ€” categories often excluded by peers; Rewardz Points never expire
โœˆ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access for primary cardholder; 2 international lounge visits per year via Priority Pass
๐Ÿ’ฑ Forex Markup
1.75% on international transactions โ€” low for a mid-range card
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โœ… Pros
  • Unlimited domestic lounge access at just โ‚น999 annual fee
  • 12 free movies per year via BookMyShow
  • Low 1.75% forex markup โ€” good for international travel
  • 3% online rewards โ€” competitive at this fee tier
  • Earns on utilities and insurance
  • Rewardz Points never expire
โŒ Cons
  • YES Bank stability concerns in past (reconstructed 2020) โ€” bank is stable now
  • Verify current benefit terms before applying
  • Redemption value 0.25 per RP for cash is average

๐ŸŽ Rewards & Benefits

Reward Type
YES Rewardz Points (1 RP = โ‚น0.25; never expire; transferable to airline partners)
Welcome Benefits
Welcome benefits including vouchers or bonus points on card activation โ€” check current offer on YES Bank website
Reward Rate
12 YES Rewardz Points per โ‚น200 on online spends (3% effective); 6 Rewardz Points per โ‚น200 on other eligible retail spends (1.5%); earns on utilities, insurance, education and recharge โ€” categories often excluded by peers; Rewardz Points never expire
Reward Redemption
YES Rewardz portal: statement credit 1 RP = โ‚น0.25; travel vouchers; airline partner transfer; merchandise; Rewardz Points never expire
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น5,000
Lounge Access
Unlimited complimentary domestic airport lounge access for primary cardholder; 2 international lounge visits per year via Priority Pass
Spend Based Fee Waiver
Annual fee waived on meeting spend milestone โ€” check current condition on YES Bank website
Milestone Benefits
12 complimentary movie tickets per year via BookMyShow (1 free per month on 1 paid ticket); annual fee waiver on meeting spend milestone
Other Benefits
12 free movies per year via BookMyShow; unlimited domestic lounge access; low 1.75% forex markup; earns on utilities and insurance; basic 24x7 concierge; Priority Pass 2 international visits per year; fuel surcharge waiver

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (2 international visits per year)
Insurance Cover
Air accident cover; zero card liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Basic 24x7 concierge services
Special Offers
Unlimited domestic lounge access; 12 free movies per year; 1.75% forex markup; 3% online rewards

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น999 + GST
Annual Fee / Renewal Fee
โ‚น999 + GST
โœ“ Waived on: Annual fee waived on meeting annual spend milestone โ€” check current condition on YES Bank website
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per YES Bank prevailing slab
Over Limit Charges
As per YES Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.75% on international transactions โ€” low for a mid-range card
Other Charges
Verify current benefits on YES Bank website; YES Bank underwent restructuring in 2020 โ€” bank is now stable; confirm current product features before applying

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; Indian resident; minimum monthly income โ‚น50,000+; good credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and YES Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น5,000
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per YES Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via YES Mobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-1200-000 (toll-free, 24x7)
Chat / Email Support
Chat via YES Bank website
Mobile App
YES Mobile app: manage card, track Rewardz, pay bills
Online Banking
Full management via YES Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:31 PM
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