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

YES FIRST Preferred Credit Card

"YES Bank's most accessible card โ€” lifetime free with domestic lounge access, 2.5% online rewards and movie tickets"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free (on select offers; verify on YES Bank website)
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card on select offers
๐ŸŽฏ Best Suited For
Entry-level card seekers from YES Bank who want domestic lounge access and decent online rewards without paying any annual fee
๐ŸŽ Reward Type
YES Rewardz Points (1 RP = โ‚น0.25; never expire)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on YES Bank website
๐Ÿ’ฐ Reward Rate
8 YES Rewardz Points per โ‚น200 on online spends (2% effective); 4 Rewardz Points per โ‚น200 on other eligible spends (1%); earns on utilities and insurance; Rewardz Points never expire
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โ‚น10,000 in preceding quarter
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โœ… Pros
  • Lifetime free on select offers
  • 2 domestic lounge visits per quarter on achievable โ‚น10K spend
  • 6 free movies per year
  • 2.5% forex markup โ€” lower than typical 3.5%
  • Rewardz Points never expire
  • Earns on utilities and insurance
โŒ Cons
  • Verify current LTF offer terms on YES Bank website
  • YES Bank had reconstruction in 2020 โ€” stable now
  • Base reward rate 1% on non-online spends is average
  • 1 RP = โ‚น0.25 redemption value is low

๐ŸŽ Rewards & Benefits

Reward Type
YES Rewardz Points (1 RP = โ‚น0.25; never expire)
Welcome Benefits
Check current welcome offer on YES Bank website
Reward Rate
8 YES Rewardz Points per โ‚น200 on online spends (2% effective); 4 Rewardz Points per โ‚น200 on other eligible spends (1%); earns on utilities and insurance; Rewardz Points never expire
Reward Redemption
YES Rewardz portal: statement credit, vouchers, airline partner transfer, merchandise; 1 RP = โ‚น0.25; RPs never expire
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โ‚น10,000 in preceding quarter
Spend Based Fee Waiver
Not applicable โ€” lifetime free on select offers
Milestone Benefits
Lounge access on โ‚น10K quarterly spend; 6 free movie tickets per year via BookMyShow
Other Benefits
6 free movie tickets per year via BookMyShow (1 free every 2 months on 1 paid ticket); 2 domestic lounge visits per quarter; fuel surcharge waiver; earns on utilities and insurance; 2.5% forex markup โ€” lower than typical 3.5%; contactless payments

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Air accident cover; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2 domestic lounge visits per quarter; 6 free movies per year; 2.5% forex markup; earns on utilities

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free (on select offers; verify on YES Bank website)
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card on select offers
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
Other Charges
Verify current LTF offer terms on YES Bank website; YES Bank underwent restructuring in 2020 โ€” stable now; confirm current benefits before applying

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; Indian resident; minimum monthly income โ‚น25,000+
Credit Score Requirement
700+ 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
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
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on 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
Online Banking
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, 09:32 PM
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