YES FIRST Exclusive Credit Card
Updated on August 27, 2026

🎖️Reward Rate
Base Rewards: 12 Reward Points per ₹200 (12 YES Rewardz Points per ₹200 spent on all standard retail offline purchases)
Overview
YES FIRST Exclusive Credit Card by YES Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 12 Reward Points per ₹200 (12 YES Rewardz Points per ₹200 spent on all standard retail offline purchases)
- • 24 Reward Points per ₹200 (24 YES Rewardz Points per ₹200 spent on select online shopping and e-commerce)
- • Accelerated Rewards: 24 Reward Points per ₹200 on online expenditures
- • 6X reward point multiplier via YES Cart partner merchants
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government utility taxes
Welcome Benefit
40,000 Bonus YES Rewardz Points upon payment of joining fee and first card transaction within 30 days of issuance (worth ₹10,000).; Qualification Criteria: Payment of joining fee by first statement due date; Minimum 1 retail transaction within 30 days; Fulfillment Timeline: Credited within 60 days of joining fee receipt
Milestone Benefit
Spend ₹6 Lakhs (Annual): 25,000 bonus Reward Points on achieving ₹6 Lakhs annual spend + annual fee waiver; Spend ₹12 Lakhs (Annual): 35,000 additional bonus Reward Points on achieving ₹12 Lakhs annual spend (Total 60,000 milestone points); Annual Fee Waiver: Spend ₹6,00,000 or more in the preceding 12 months for annual renewal fee waiver
Redemption
- • Flight tickets and hotel bookings at 1 YES Point = ₹0.25 on YES Rewardz portal
- • 1:1 Air Mile conversions with Club Vistara, InterMiles, and Singapore Airlines KrisFlyer
- • Instant statement credit balance offset at 1 YES Point = ₹0.25
Benefits
- Domestic Airport Lounge: Unlimited Unlimited domestic lounge access for primary & add-on cardholders via Mastercard / Visa Lounge Access Program
- International Airport Lounge: Unlimited Unlimited international airport lounge access via Priority Pass via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹1000 per statement cycle) on fuel transactions between ₹400 and ₹5000
- BookMyShow 25% Discount on Movies & Events: Get 25% discount up to ₹250 on movie tickets, concerts, and theatrical performances on BookMyShow with no monthly quota limits. (25% off up to ₹250 per transaction
- Valid on all days including weekends) [Partners: BookMyShow]
- Complimentary Golf Rounds & Masterclass Lessons: Enjoy 4 complimentary rounds of green fees and 4 complimentary golf lessons every calendar year at premier golf destinations across India. (4 games + 4 lessons per year
- Dedicated Golf Concierge reservations) [Partners: Apex Golf, Mastercard Golf Network]
- Low 1.75% Foreign Currency Markup: Privileged 1.75% foreign currency exchange markup on all international online transactions and overseas in-store payments. (1.75% forex markup (vs 3.5% industry average)
- Valid worldwide) [Partners: Mastercard / Visa Global Network]
- ₹3 Crore Accidental Air Death Insurance: Comprehensive complimentary air accident insurance cover up to ₹3 Crores, overseas emergency hospitalization cover up to ₹50 Lakhs, and credit shield cover. (Air Death Cover: ₹3 Crores
- Medical Hospitalization: ₹50 Lakhs
- Zero Lost Card Liability) [Partners: HDFC ERGO, YES Bank Protection Shield]
Things to Know Before you apply
YES FIRST Exclusive Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹3,00,000 for salaried; Annual ITR > ₹36,00,000 for self-employed
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹9,999 |
| Annual Fee | ₹9,999 |
| Foreign Currency Mark-up Fee | 1.75% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Spend ₹6,00,000 or more in the preceding 12 months for annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
YES FIRST Exclusive Credit Card issued by YES Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 12 Reward Points per ₹200 (12 YES Rewardz Points per ₹200 spent on all standard retail offline purchases)
- • 24 Reward Points per ₹200 (24 YES Rewardz Points per ₹200 spent on select online shopping and e-commerce)
- • Forex markup rate of 1.75%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹9999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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- • 40,000 Bonus YES Rewardz Points upon payment of joining fee and first card transaction within 30 days of issuance (worth ₹10,000).
- • Qualification Criteria: Payment of joining fee by first statement due date
- • Minimum 1 retail transaction within 30 days
- • Fulfillment Timeline: Credited within 60 days of joining fee receipt
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
- • Base Rewards: 12 Reward Points per ₹200 (12 YES Rewardz Points per ₹200 spent on all standard retail offline purchases)
- • 24 Reward Points per ₹200 (24 YES Rewardz Points per ₹200 spent on select online shopping and e-commerce)
- • Accelerated Rewards: 24 Reward Points per ₹200 on online expenditures
- • 6X reward point multiplier via YES Cart partner merchants
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government utility taxes
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
- • Base Rewards: 12 Reward Points per ₹200 (12 YES Rewardz Points per ₹200 spent on all standard retail offline purchases)
- • 24 Reward Points per ₹200 (24 YES Rewardz Points per ₹200 spent on select online shopping and e-commerce)
- • Forex markup rate of 1.75%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • Annual renewal fee of ₹9999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
