YES FIRST Preferred Credit Card: All-round Benefits

Bonus Rewards on Joining and Renewal- Make the first transaction within 90 days of card issuance and get 10,000 bonus reward points. Get 7,500 extra reward points on each renewal.

Milestone Benefits– Spend Rs. 7.5 lakh in a year and earn 20,000 bonus reward points.

Renewal Fee Waiver– Spend Rs. 2.5 lakhs in a year and get a waiver on the renewal membership fee for the subsequent year.

Preferred Reward Points- Earn reward points on this card for every purchase, on select categories, at the given rate-

• 8 reward points on every Rs.200 spent on all categories (except select categories)
• 4 reward points for every Rs.200 spent on select categories
• 5X reward points on first three transactions of the biller registered on YES PayNow (T &C applied)

Multiple Redemption Offers- YES Bank offers multiple ways to redeem the reward points-

• Purchase from YES Bank’s exclusive rewards catalogue
• Convert reward points into Intermiles or Club Vistara Points (10 Points = 1 Intermile/CV Point)
• Book movie tickets, hotels or flight tickets using the reward points on YES Bank’s dedicated website YesRewardz

Note: NRI cardholders can redeem their rewards only for flights, hotels, and movie tickets.

Lounge Access- YES FIRST Preferred Credit Cards allows the user to access airport lounges across the globe through-

• Complimentary Priority Pass Membership and 4 complimentary visits to the primary cardholder in a calendar year. Any visit beyond this limit will be chargeable at US $27 plus taxes.
• Complimentary domestic lounge visits can be availed 2 times in a quarter only by the primary cardholder

Movie Benefit- Avail 25% discount on movie tickets booked through BookMyShow website or mobile app.

Golf Privilege- Following are the golf benefits that you can avail

•  4 complimentary rounds of green fees per calendar year at select golf courses in India
• 1 complimentary golf lesson every calendar month at select golf courses in India

Insurance Benefits- The card also offers insurance cover including-

• Flight Accident Cover of up to Rs. 1 crore
• Emergency overseas hospitalization cover Rs. 25 lakh
• Credit Shield cover in case of accidental death of the primary cardholder

Fuel Surcharge Waiver-  1% fuel surcharge waiver across all fuel stations in India for transactions between Rs. 400 and Rs. 5,000.

Lifestyle Benefits– Avail multiple offers on YES Bank Credit Cards under Yes Privileges.

Also Read: 7 Best Premium Credit Cards in India

Fee/Charge	Amount/Rate
Annual Fee	Rs. 999+Taxes (waived off on spending Rs. 2.5 lakh in a year)
Interest Rate on Revolving Credit	3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Interest-free Period	Up to 50 days
Cash Limit	30% of the credit limit
Cash Advance Fee	2.5% of the amount withdrawn (min. Rs. 300)
Overlimit Fee	2.5% of the over-limit amount (min. Rs. 500)
Foreign Exchange Mark-up	1.75%
Late Payment Charges	For balance- Below Rs. 100- Nil From Rs. 101 to Rs. 500- Rs. 150 From Rs. 501 to Rs. 5,000- Rs. 500 From Rs. 5,001 to Rs. 20,000- Rs. 750 Above Rs. 20,000- Rs.1,000
Add-on Card Fee	Nil (up to 3 cards can be issued)
Payment Return Charges (Autopay/Cheques)	Rs. 350 per instance

Also Read: 7 Credit Card Fees and Charges You Must Be Aware Of

YES Bank has set the following eligibility criteria for YES FIRST Preferred Credit Card:

Criteria	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	2 lakh per month
Minimum Income for Self-employed Applicants	ITR of at least Rs. 24 lakh
Age	21 to 60 years
Documents Required	Click Here for the list of acceptable documents
Serviceable Cities	Click here for the list of eligible cities

If you are looking for a credit card with benefits across multiple categories with an annual fee as low as Rs. 999, then YES First Preferred Credit Card is the right choice for you. The best part about this card is that it allows you to earn 20,000 bonus reward points on spending of Rs. 7.5 lakh or more in each anniversary year. Not only this, you can enjoy lounge access in India and abroad, golf sessions, insurance benefits up to Rs. 1 crore for flight accident cover, and much more

I am an NRI. Can I apply for this credit card?
Yes, this credit card is also available for NRIs.

How much GST will be levied on this credit card?
GST will be levied at the rate of 18% on all fees, charges, and EMIs.

Can self-employed people apply for YES Bank credit card?
Yes. Self-employed professionals can also apply for YES Bank credit cards.

How to avail the Priority Pass Membership on my YES FIRST credit card?
To avail the service, you need to download the YES Bank Priority Pass Application Form. Fill the form and send it to the address mentioned on the form.

How to reach the golf concierge service of YES Bank?
Golf benefit on this card is offered by Mastercard and VISA. For bookings or any other assistance related to golf concierge, you can call on YES Bank credit card customer care number i.e. 1800 103 1212.

What is Credit Shield Cover?
Under the Credit Shield Cover, YES Bank covers any outstanding dues on the credit card in case of accidental death of the primary cardholder.

Can I convert my purchases made on this card into EMIs?
Instant EMI service is offered by YES Bank to covert purchases into EMIs across various partner merchants.