Yes Bank
Signature · First Exclusive
Yes First Exclusive Credit Card
Yes Bank
High rewards with milestone bonuses and domestic lounge access
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹22,051
Total Annual Benefits
₹25,000
Total Annual Charges
₹2,949
ROI
748%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • 2 visits per quarter at domestic lounges
8 visits/year
₹20,000/yr
Reward Points (1)
Reward Points on All Spends
6 Reward Points per ₹100 spent on all retail purchases
6 RP per ₹100
Travel Benefits (1)
Milestone Bonus Rewards
Earn bonus reward points on reaching annual spend milestones
- • Subject to milestone achievement
Up to 30,000 bonus RP
₹7,500/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Yes Reward Points
6 RP per ₹100
Effective cashback: 1.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights & Hotels via Yes Rewards
- → Products & Vouchers
- → Airline miles transfer
- → Cashback (1 RP = ₹0.25)
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
Additional 20,000 bonus reward points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
20,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Excluding GST |
| Annual Fee | ₹2,499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Age 21–65 years
- • Good credit history required
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹15 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per quarter at partner lounges
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Milestone bonus rewards Dining privileges
EMI Options
Min. Transaction
₹3,000
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Yes First Exclusive Credit Card is a premium Visa Signature card offering 6 reward points per ₹100 on all spends with attractive milestone bonuses...
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