Ultimate Review: Yes First Exclusive Credit Card
Yes First Exclusive Credit Card
Introduction
The Yes First Exclusive Credit Card is among today’s most prestigious credit cards. This card has been designed to compete directly with the HDFC Infinia Credit card. And, in many aspects, it proves better than it. This card has several benefits and perks that are not available with other cards.
However, is this credit card as good as it seems? In this article, we take a detailed look at the Yes First Exclusive Credit Card and its benefits, drawbacks and all the other essential details you need to know.
Highlights of Yes First Exclusive Credit Card
Highlights
- Attractive Interest on revolving Credit: 2.99% per month only
- Preferential Foreign Currency Markup: 1.75% only
- 12 Complimentary Domestic Airport Lounge visit in India per year for Primary Cardmember
- 6 Complimentary International Airport Lounge visit outside India per year for Primary & Add-On Cardmembers
- 25% Discount on Movie tickets booked through BookMyShow Website or Mobile App
Eligibility Criteria
Fees & Charges
| Description | Fees & Charges |
|---|---|
| Joining Fee | Rs 1,999 + GST ( Waived off on spending Rs 40,000 within first 30 days ) |
| Renewal fee | Rs 1,999 + GST (Waived off on spending Rs. 3 Lakhs in the previous year) |
How to Apply for the Yes First Exclusive Credit Card
Suppose you are approved for the Yes First Exclusive Credit Card. In that case, you will receive a welcome package that includes your new card and all the information you need to get started using it. You can start using your card immediately by purchasing online or over the phone.
Moreover, you can use your credit card to withdraw cash from ATMs worldwide.
Card Features
There are multiple benefits offered on this premium credit card. We can go through them:
Reward Points
Whenever you use this card, you will earn reward points. These reward points can be redeemed later in various ways.
| Reward Points Structure |
|---|
| 24 Reward Points for every INR 200 on Travel & Dining Spends (Capped at 5,000 Reward Points per statement cycle) |
| 12 Reward Points for every INR 200 in all categories (6 Reward Points for every INR 200 in Select categories) |
| Additional Renewal benefit of 8,000 reward points (Applicable post annual renewal membership fee is charged, applicable 2nd year onwards) |
| Accelerated rewards points will continue to be offered on select transactions on YESCART |
Reward Points Redemption
Complimentary Golf Program
Insurance Coverage
Other Miscellaneous Benefits
Drawbacks of Yes First Exclusive Credit Card
Drawbacks
- No welcome benefits.
- Being a premium card, the capping of Rs 250 on movie tickets from BookMyShow does not justify it.
- Reward points can’t be transferred to any other loyalty programs other than intermiles.
Final Words
If you’re looking for a great credit card with lots of perks and rewards, the Yes First Exclusive Credit Card is worth considering. This card is hard to beat, with a reasonable annual fee and many features that make spending and managing your finances more straightforward.
So why not give it a try? You might be amazed at just how much you love it.
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FAQs
What are the benefits of the Yes First Exclusive Credit Card?
The Yes First Exclusive Credit Card offers several benefits, including a competitive interest rate, a Rewards program, complimentary domestic & international airport lounge access, exciting foreign markup charges etc.
How can I use my Yes First Exclusive Credit Card?
You can use your Yes First Exclusive Credit Card for everyday purchases, as well as for larger purchases and cash advances.
How do I make payments on my Yes First Exclusive Credit Card?
You can make payments on your Yes First Exclusive Credit Card online, by phone, or by mail.
