Following are the key highlights of the YES Bank First Exclusive credit card:

The following are the key YES First Exclusive credit card benefits and features:

Welcome Benefit

• Free Amazon voucher worth Rs. 500 
• The benefit is available on spending Rs. 1,000 within first 30 days.

Rewards

• 24 reward points on every Rs. 200 on travel & dining expenses of up to 5,000 per statement cycle.
• 12 reward points on spending every Rs. 200 on all categories 
• 6 reward points on spending every Rs. 200 on select categories.
• 8,000 additional reward points as renewal benefits on annual membership renewal (from 2nd year onwards).
• 10 reward points = 1 InterMile/ 1 Club Vistara Point

Complimentary Golf Program

• 4 green fee waivers per year. 
• 1 golf lesson per year at select golf courses in India.

Insurance Coverage

• Air Accident cover of Rs. 3 Crore
• Medical Emergency Cover of Rs. 50 Lakhs
• Credit Shield Cover of Rs. 15 Lakhs
• Lost Card Liability of Rs. 15 Lakhs to Rs. 30 Lakhs

Lounge Program

• Access to international airport lounges for Mastercard and Visa cards.
• 3 complimentary domestic airport lounge visits per calendar quarter for primary card members.
• 6 complimentary international (outside India) airport lounge visits per calendar year for primary card members.
• Complimentary YES First Exclusive credit card lounge access is available for primary card members only. 
• After the exhaustion of the complimentary lounge access quota, applicable charges + taxes will apply to lounge access at the airport for cardmember(s) and for each guest visit.

Dining Fiesta Program

• Minimum 15% discount on dining at select restaurants. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India. 
• Offer applicable on transactions between Rs. 400 to Rs. 5,000.

Instant EMI Facility

• Pay for your purchases in parts with the Instant EMI service. 
• Convert transactions starting from as low as Rs. 1,500.
• Zero documentation is required.
• 1% processing fee and 14% to 15% p.a. interest rate applicable.
• Flexible tenure options of 3, 6, 9, 12, 18, 24, and 36 months.

Other Benefits

• EMI on Call facility to convert payments into EMI at attractive interest rates.
• With Quick Loan, get a loan amount within your card limit to fulfill immediate fund requirements.
• With YES PayNow, pay your bills on time, every month.
• With E-mandate, register standing instructions for your bill payments, subscriptions, insurance payments, and more.
• With the Express Loan facility, get a pre-approved loan at an attractive interest rate on your card without blocking the credit limit.

Fees

• Joining fee: Rs. 1,999 + applicable taxes. Waived off on total retail spends of Rs. 40,000 within 30 days of card set-up date.
• Annual fee: Rs. 1,999 + applicable taxes. Waived off on total retail spends of Rs. 3 Lakhs or more within 12 months prior to the card renewal date.

• Joining fee: Rs. 1,999 + applicable taxes. Waived off on total retail spends of Rs. 40,000 within 30 days of card set-up date.
• Renewal fee: Rs. 1,999 + applicable taxes. Waived off on total retail spends of Rs. 3,00,000 or more within 12 months before the card renewal date.
• Charges for rental & wallet transactions: Minimum 0.75% of transaction value or Rs. 1, whichever is higher, on all rental & wallet transactions above Rs. 1. 
• Foreign currency mark-up: 1.75% of the total transaction amount.
• Late payment fee: For statement balance:
  • Below Rs. 100: Nil
  • Rs. 100 to Rs. 500: Rs. 150
  • Rs. 501 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 20,000: Rs. 750
  • Above Rs. 20,000: Rs. 1,000

You must meet the following eligibility criteria to get a YES First Exclusive Credit Card:

• The applicant must be aged between 21 and 60 years.
• The applicant must be salaried or self-employed.
• The applicant must be earning a minimum net salary of Rs. 2 Lakhs per month or an Income Tax Return (ITR) of Rs. 18 Lakhs and above.

You must submit the following documents to apply for a YES Bank credit card:

• A copy of your PAN Card or Form 60
• Recent passport-size photographs
• Latest Salary Slip or ITR as income proof
• Electricity Bill, Landline Telephone Bill, Passport, or Ration Card as address proof
• Aadhaar Card, Passport, Driving License, or PAN Card as identity proof

*The above list of documents is indicative. Documents requirements may vary on a case-to-case basis.