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YES First Exclusive Credit Card

YES First Exclusive Credit Card offers unparalleled rewards and benefits. Free Amazon voucher worth Rs. 500, reward points on every transaction you make, complimentary visits to select international and domestic airport lounges, a 15% discount on dining at select restaurants, and a 1% fuel surcharge waiver are some of the most alluring benefits of the card.

Key Highlights of YES First Exclusive Credit Card

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

Joining Fee Rs. 1,999 + applicable taxes
Renewal Fee Rs. 1,999 + applicable taxes
Welcome Benefit Free Amazon voucher worth Rs. 500 on spending Rs. 1000 within the first 30 days
Key Benefits  Complimentary 3 domestic & 6 international airport lounge visits, 15% discount on dining at select restaurants, etc.
Rewards  24 RP on every Rs. 200 on travel & dining, 12 RP on spending every Rs. 200 on all categories, and 6 RP on spending every Rs. 200 on select categories.
Age 21 - 60 years
Minimum Net Salary Rs. 2 Lakhs per month or ITR of Rs. 18 Lakhs & above.
Foreign Currency Mark-up  1.75%

Features & Benefits of YES 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.

YES First Exclusive Credit Card Fees and Charges

  • 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

YES First Exclusive Credit Card Eligibility

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.

YES First Exclusive Credit Card Documents Required

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.

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