YES Bank YES FIRST Preferred Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank YES FIRST Preferred Credit Card is a premium credit card from YES Bank, with a joining fee of ₹999 + GST.
YES Bank YES FIRST Preferred Credit Card
- Joining Fee₹999
- Annual Fee₹999
- Best Suited ForLifestyle & travel
- Reward TypeYES Rewardz Points (points)
Rewards Rate
- Base rate 0.72%
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
YESworldpremiumRewards and Benefits
Rewards Rate
Base 0.72% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
0 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.7% = ₹108/mo
- Groceries₹8,000 · 0.7% = ₹58/mo
- Dining & food delivery₹8,000 · 0.7% = ₹58/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.7% = ₹72/mo
- Utilities & bills₹5,000 · 0.7% = ₹36/mo
Est.net rewards for this spend, realistic
₹2,975/yr₹3,974 rewards − ₹999 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.75%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by YES Bank.
- Joining / annual fee of ₹999 + GST.
- Available on the Mastercard network.
Pros & Cons
Pros
- Low forex markup of 2.75% — suited to international spends.
Cons
- No annual-fee waiver option.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 730+
- Income (salaried)
- ₹15,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.