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YES FIRST Exclusive Credit Card

Verified · August 27, 2026
5.0/5.0

Updated on August 27, 2026

YES FIRST Exclusive Credit Card

🎖️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

ParticularsAmount
Joining Fee₹9,999
Annual Fee₹9,999
Foreign Currency Mark-up Fee1.75%
Cash Advance Fee2.5% 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

5.0/5

What 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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Fee Details

Joining Fee

₹9,999

Annual/Renewal Fee

₹9,999

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees
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
  • 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
  • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback 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
  • 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 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
  • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
  • 2 Reward Points per ₹150 on all other categories
  • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
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
  • 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
  • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
  • Low ₹499 joining and annual fee
  • 4 complimentary domestic lounge visits per year
  • Annual fee waiver on ₹50,000 spend
Cons
  • 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
  • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
  • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
  • No specific minimum income figure disclosed