YES First Exclusive Credit Card
YES · MASTERCARD★4.6/ 5
✓ Details last verified 1 Jan 2025
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YES First Exclusive is YES Bank's premium flagship — and one of India's best zero-forex-markup premium cards. 36 Reward Points per ₹200 on international spends (worth ~2% back), unlimited domestic lounge visits, and Priority Pass membership. A strong alternative to HDFC Regalia for international travellers.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 6% | — |
| Dining | reward points | 3% | — |
| International | reward points | 3% | — |
| Other | reward points | 3% | — |
Travel: 24X Edge Reward Points on travel spends
Dining: 12X Edge Reward Points on dining
International: 12X points on international transactions
Other: 12X Edge Reward Points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international lounge access via Priority Pass
24 complimentary golf rounds per year
24x7 dedicated lifestyle and travel concierge
Milestone Edge Reward Points on annual spend target
Who is this card for?
- 👑Super Premium tier — built for high spenders who want top-end perks.
- 🎯Strongest value if you spend heavily on Travel (6% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Zero forex markup — one of India's best zero-forex premium cards
- ✓Unlimited domestic lounge access
- ✓36 reward points per ₹200 on international spends (~2% return)
- ✓Strong rewards across dining and travel
- ✓Lower annual fee than comparable HDFC/ICICI premiums
👎 Cons
- ✕YES Bank has smaller branch network vs HDFC/ICICI
- ✕Reward catalogue less extensive than legacy banks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your yes reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
🔥 Live offers on this card
1 liveTransfer bonuses and promos running right now for this card's rewards.
Festive catalogue — points worth ₹0.40
Redeem YES Reward Points on the festive catalogue at an improved ₹0.40/point for a limited window.
Ends 2026-07-05 · view offer ↗
Frequently asked questions
What is the annual fee for the YES First Exclusive Credit Card?+
The annual fee is Rs 10000.
What is the foreign currency markup?+
The forex markup is 2.00% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 300000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the YES First Exclusive Credit Card are taken from YES's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- ✈️ Lounge policyEffective 1 Nov 2025
YES First Exclusive domestic lounge benefit changed from unlimited to 2 complimentary visits per quarter. Additional visits charged at ₹2 each. International Priority Pass access unchanged.
Unlimited domestic airport lounge access→2 complimentary domestic lounge visits per quarter (8/year); ₹2 per additional visit
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