Ultimate Review: Yes First Exclusive Credit Card

Yes First Exclusive Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s acceptance
  • Customer Care & Issue Resolution


The Yes First Exclusive Credit Card is an excellent option for those looking for a credit card with a moderate annual fee and a low-interest rate. This card also offers a rewards program, benefiting those who often use their credit card. Overall, the Yes First Exclusive Credit Card is an excellent option as a straightforward credit card.


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.

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Highlights of Yes First Exclusive Credit Card

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  • 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

  • The applicant’s age must be within the range of 21 years – 60 years.
  • If you are a salaried person, the net salary should be more than 2 Lakhs per month.
  • If you are a business person, your IT returns should be more than 40 Lakhs.

Fees & Charges

DescriptionFees & Charges
Joining FeeRs 1,999 + GST
( Waived off on spending Rs 40,000 within first 30 days )
Renewal feeRs 1,999 + GST
(Waived off on spending Rs. 3 Lakhs in the previous year)

How to Apply for the Yes First Exclusive Credit Card

  • Fill out an application form online to apply.
  • You will need to provide basic information about yourself, including your name, address, and contact information.
  • Once you have submitted your application, a representative from Yes Bank will review it and decide within ten business days.

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

  • Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
  • Exclusive Catalogue of Products
  • Reward Points Redemption against Air Miles (10 Reward Points = 1 InterMile or 1 Club Vistara Point)

Complimentary Golf Program

  • You can enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India.
  • You can enjoy one complimentary Golf Lesson every calendar month at select golf courses in India.

Insurance Coverage

  • Life Insurance Cover of Rs 3 Cr for death that happened due to Flight Accidents
  • Medical Insurance cover of Rs 50 Lakhs for emergency hospitalization during overseas travel.
  • Credit Shield cover up to Rs 10 Lakhs in case of Primary Cardmember’s accidental death (Subject to the Credit Limit of the Credit Card).

Other Miscellaneous Benefits

  • Enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets.
  • 25% discount on movie tickets when booked on BookMyShow Website or Mobile App.
  • 1% Fuel surcharge waiver at all fuel stations across India for transactions between Rs 400 to Rs. 5,000.
  • In select cities, there are great offers across travel, dining, shopping, wellness, and more. Click here to know more.
  • Enjoy other facilities like instant EMI, quick loans, card protection plan, EMI on call and much more.

Drawbacks of Yes First Exclusive Credit Card

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  • 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.

You can read the other interesting posts:


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.

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