YES FIRST Exclusive Credit Card

Overview

YES FIRST Exclusive Credit Card by YES Bank provides premium value tailored for Super Premium cardholders.

Rewards

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

Fees & Charges

Fee waiver: Spend ₹6,00,000 or more in the preceding 12 months for annual renewal fee waiver

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Rating

5.0/5

5.0/5

4.5/5

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