Important: This article may not contain updated features of the YES Bank Credit Card. You can visit YES Bank’s official Credit Card page to view the latest updates.
YES FIRST Exclusive Credit Card is a premium credit card that offers an unmatched combination of lifestyle benefits and powerful rewards. With a top-tier welcome benefit and complimentary premium memberships, the card comes with an annual fee of Rs. 9,999 and is best suited for frequent travellers and heavy spenders. You could consider this card as a level-up to the YES FIRST Preferred Credit Card. It stands as a good deal, even despite the high annual fee of Rs. 9,999 because of the high rewards rate. Here is our detailed review of the card which will help you decide if this is the right choice for you.
Key Highlights of YES FIRST Exclusive Credit Card
*Terms and Conditions Apply
Generous Rewards on Travel and Dining
There are only a few credit cards in India that are not co-branded with an airline but still offer multi-faceted benefits to the travellers. YES FIRST Exclusive is one such credit card. If you are truly a frequent traveller, you can get a big part of your spending back in the form of reward points. The card offers:
- 24 reward points per Rs. 200 spent on domestic airlines, tour operators and travel agencies
- 24 reward points per Rs. 200 spent on dining
- 12 reward points per Rs. 200 for all other expenses
The rate of reward earning is higher as compared to many other cards in the market in a similar fee range such as HDFC Diners Club Black Credit Card, American Express Platinum Reserve Credit Card and Axis Bank Vistara Infinite Credit Card.
In addition to regular earning, you will also earn huge reward bonuses under welcome, renewal and milestone benefits-
- 40,000 bonus reward points as a welcome gift on making the first transaction within 90 days of card activation
- 30,000 bonus reward points on payment of renewal fee every year
- 25,000 reward points on reaching annual spends of Rs. 20 lakh or more in each anniversary year
- 1,000 Reward Points on each YES PayNow registration
This credit card offers a solid rewards rate of 1.50% on general spending and a great elevated 3% rewards rate on travel spending, domestic airlines, and dining. The card’s reward rates are above average when compared to other premium cards in the market.
What can you do with the Reward Points?
Reward points on YES FIRST Exclusive Credit Card can be used in multiple ways to help you save money. It can be redeemed against items from the rewards catalogue (not for NRI users) or converted into InterMiles. YES Bank also has a dedicated website for booking flight tickets, hotel stays and movies where your reward points can be utilized (10 Reward Points = 1 InterMile / 1 Club Vistara Point)