What are the welcome benefits of the YES First Preferred Credit Card?

New cardholders receive 10,000 reward points on their first transaction within 90 days and 1000 points on YES PayNow registration.

What are the joining and renewal fees for the YES First Preferred Credit Card?

The joining and renewal fees are both Rs. 999 + GST for the YES First Preferred Credit Card.

How can I get a waiver on the fees for the YES First Preferred Credit Card?

The joining fee is waived on spending Rs. 50,000 in the first 90 days. The renewal fee is waived on spending Rs. 4 lakhs in the preceding year.

What is the reward rate on the YES First Preferred Credit Card?

Earn 4 RP/Rs. 200 on select categories, 8 RP/Rs. 200 on retail, and 16 RP/Rs. 200 on travel/dining.

Does the YES First Preferred Credit Card offer airport lounge access?

Yes, the card provides 2 complimentary domestic lounge accesses per quarter and 4 international lounge accesses annually.

What is the foreign currency markup fee on the YES First Preferred Credit Card?

The foreign currency markup fee for the YES First Preferred Credit Card is a low 1.75% on all international spends.

Are there any golf benefits with the YES First Preferred Credit Card?

Yes, cardholders get 4 complimentary green fee rounds annually and 1 complimentary golf lesson every month.

What kind of insurance benefits does the YES First Preferred Credit Card provide?

It includes life insurance up to Rs. 1 crore for flight accidents and Rs. 25 lakhs for overseas emergency medical hospitalization.

How can I redeem reward points earned on my YES First Preferred Credit Card?

Reward points can be redeemed for movies, flights, hotels, product catalogue, gift vouchers, or bill adjustments via the dedicated website.

What are the eligibility criteria for the YES First Preferred Credit Card?

Salaried must earn Rs. 2 lakhs/month, and self-employed Rs. 24 lakhs/annum, both aged 21-60.

YES Bank

YES First Preferred Credit Card

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Last updated: 8 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

10,000 reward points on first transaction within 90 days; 1000 RP on YES PayNow registration.

Rewards Rate

Earn 4 RP/₹200 on select categories, 8 RP/₹200 on retail, & 16 RP/₹200 on travel/dining.

Reward Type

Reward Points

Reward Redemption

Redeem points for movies, flights, hotel bookings, product catalogue, gift vouchers, or adjusting against credit card bills.

Domestic Lounge Access

2 complimentary domestic lounge accesses per calendar quarter through the MasterCard lounge program.

International Lounge Access

4 complimentary international lounge accesses every year through the Priority Pass Membership.

Premium Benefits

4 complimentary green fee rounds annually; 1 complimentary golf lesson every month.

Insurance Coverage

Life insurance up to Rs. 1 crore for flight accidents, Rs. 25 lakhs overseas medical, and credit shield cover.

Movie

Get a 25% discount on movie bookings through BookMyShow.

Dining

Earn an accelerated 16 reward points per Rs. 200 spent on dining (Capped at 3,000 per month).

Travel Benefits

4 complimentary international lounge accesses yearly, 2 domestic lounge accesses per quarter via MasterCard.

What matters, explained clearly

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Frequently Asked Questions

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