YES Bank Credit Card

Welcome Benefits – 10,000 Reward Points

Renewal Benefits – 7,500 Reward Points

Lounge Access – Get Following Lounge Access:

• Priority Pass Membership with 4 free yearly visits outside India
• 3 Domestic Lounge visits per quarter

Milestone Benefit – 20,000 reward points upon spending Rs. 7.5 Lakh in a year

Movie Benefit – 25% off on movie tickets via BookMyShow

Rewards – Up to 16 reward points per Rs. 200 spent

Golf Benefits – 4 free rounds of green fees per year at select Golf courses in India along with 1 free Golf Lesson every month

YES FIRST Preferred Credit Card offers lots of privileges to cardholders and it may greatly suit you if:

• You mostly travel domestically but sometimes go overseas
• You want a zero annual fee card
• You occasionally go to the cinemas
• You like to play golf but do not wish to spend too much money on it

If the features offered on the card is not to your liking then you may consider these options:

Rewards Program – Up to 4 reward points per Rs. 100 spent. Earn 500 Reward points per YES PayNow registration. 4 Reward Point = Re. 1 / 1 Intermiles

Lounge Access – Free Priority Pass membership along with 2 free MasterCard domestic Lounge access per quarter

Insurance Coverage – Users can avail the following cover:

Besides this, you also get credit shield under which you will not have to pay the outstanding amount on the credit card in the event of death (by accident only).

Fee Reversal – Fees and the associated reversal conditions are:

 Golf Benefits – 4 free rounds of green fees per year at select Golf courses in India along with 1 free Golf Lesson every month

Fuel Surcharge Waiver – Waiver on transactions between Rs. 400 and Rs. 5,000

YES Prosperity Edge Credit Card offers a lot of benefits at a nominal fee. You may consider applying for the card if:

• You want to make automatic payments on the card
• Earn over 7.2 lakh per annum
• You want comprehensive insurance coverage including credit shield

If you are not satisfied with this card you may consider the following options:

Rewards Program – Up to 4 Reward Points per Rs. 100 spent. Earn 750 Reward Points per YES PayNow (standing instructions service) registration.

Lounge Access – Priority Pass Membership with 2 free visits internationally every year. Also get 2 free domestic lounge accesses every quarter via MasterCard.

Golf Offers – Waiver on green fee at select golf courses in India 4-times in a year and 1 free golf lesson every month.

Foreign Currency Mark-up fee – Low forex mark-up of 2.50% only.

Movie Benefit – 25% off on movie tickets when booking via BookMyShow.

Insurance Coverage – Credit Shield worth Rs. 2.5 lakhs in case of accidental death of primary cardholder.

YES Premia Credit Card is a premium credit card and packs a lot of benefits in it. This card will be a good suit for you if:

• You frequently travel both overseas and domestically
• You occasionally make payments via credit card when overseas
• You can easily spend Rs. 1.5 lakh in a year (to avail renewal fee waiver)
• You enjoy playing golf and can use the green fee waivers and free lessons

If you are not satisfied with this card you may consider the following options:

Rewards Program – Up to 3 reward points per Rs. 100 spent. Also, earn 500 Reward points per YES PayNow (Standing Instructions) registration.

Spend Milestone Benefit – The spend milestone benefits are:

Fuel Surcharge Waiver – Waiver on fuel transactions between Rs. 400 and Rs. 5,000. The maximum waiver amount is Rs. 125.

YES Prosperity Rewards Plus is a basic rewards credit card, you may apply for the card if:

• You want a low annual fee card
• You earn over Rs. 4.2 lakh in a year
• You can easily spend over Rs. 50,000 in a year to avail the renewal fee waiver
• You need a rewards credit card that offers fuel surcharge waiver

If you are not satisfied with this card you may explore the following options:

Joining Benefit – 20,000 reward points on 1^st transaction within 90 days.

Lounge Access – Priority Pass Membership with 6 free international visits per year. 3 free domestic lounge visits per quarter.

Spend Milestone Benefit – 20,000 Reward Points on spending Rs. 12 lakh in a year.

Rewards Program – 16 Reward Points per Rs. 200 spent. Also earn 1,000 Reward Points per YES PayNow registration, standing instructions facility of YES Bank.

Golf Benefits – Waiver on green fees along with 1 free golf lesson per month at select courses.

Concierge Service – Use the service to make travel-related bookings, get restaurant referrals, movie tickets and so on.

Insurance Coverage – Get the following coverage:

Foreign Currency Mark-up Fee – 1.75% only.

Fuel Surcharge Waiver – Waiver across domestic fuel stations on transactions between Rs. 400 & Rs. 5,000.

YES FIRST BUSINESS Card is a great card to conduct your business transactions. You may apply for the card if:

• Your annual income is Rs. 9 lakh or above
• You require complimentary insurance cover
• You want a low foreign currency mark-up fee card
• You play golf and can use the green fee waivers on golf games

If you are not satisfied with this card you can explore other business credit cards like:

Reward Points – Up to 8 reward points per Rs. 100 spent. Also, earn 1,000 Reward points per YES PayNow registration (Standing instruction facility).

Spend Milestone Benefit – 10,000 reward points on spending Rs. 6.00 lakh in an anniversary year.

Welcome Benefits – 10,000 reward points on the first transaction made within the first 30 days.

Renewal Benefits – 7,500 reward points on card renewal.

Lounge Access – Free Priority Pass Membership with 3 Free International lounge accesses. Also, get 2 free domestic lounges accesses via MasterCard Lounge Access Program.

Insurance – Get the following coverage:

 Golf Benefits – Waiver on green fees along with 1 free golf lesson per month at select courses.

YES Prosperity BUSINESS Card will be a good choice for you if:

• Your annual income is Rs. 4.8 lakh or above
• You require insurance coverage
• You play golf and can use the green fee waivers and golf lessons

If you are not satisfied with this card you can explore other business credit cards like:

Spend Milestone Benefit – 10,000 reward points upon spending Rs. 1.8 lakh in a year.

Reward Points – Up to 4 Reward Points per Rs. 200 spent.

Fuel Surcharge Waiver – Fuel surcharge waived across all fuel stations in India if transaction amount ranges between Rs. 400 & Rs. 5,000.

YES Prosperity Rewards Credit Card is a low fee rewards credit card that will suit you if:

• You earn Rs. 25,000 or more per month
• You are require a rewards credit card
• You want to be able to convert reward points into airmiles (InterMile / Club Vistara Point)

You can consider the below-given alternatives as well.

Welcome Gift – Cashback of Rs. 250 upon spending Rs. 2,500 within the first 30 days, offer is not applicable on ATM withdrawals.

Cashback – 5% cashback on utility bills, grocery shopping, movie tickets etc. Minimum cashback of 0.5%.

Fuel Surcharge Waiver – Surcharge waived on transactions between Rs. 400 to Rs. 5,000 at all fuel stations in India.

Foreign Currency Markup – 3.40% only.

YES Prosperity Cashback Credit Card is a cashback card that provides at least 0.5% value back on all your purchases. You may apply for this card if:

• You would prefer cashback over reward points
• You earn Rs. 25,000 or more per month

If you are not satisfied by the privileges offered by this credit card you may apply for any one of the below-given alternatives:

Welcome Benefits – Rs. 250 cashback upon spending Rs. 2500 in the first 30 days.

Cashback – Up to 5% cashback. Minimum 0.75% cashback on all spends except fuel.

Fuel Surcharge Waiver – Surcharge waived on transactions between Rs. 400 to Rs. 5,000 at all fuel stations in India.

Credit Shield – Outstanding amount covered in case of death by accident of primary cardholder.

YES Prosperity Cashback Plus Credit Card is a cashback card that charges a fee of only Rs. 1,499 and provides at least 0.75% cashback. Consider applying for this card if:

• You want a cashback credit card
• You earn over Rs. 25,000 per month

If you are not satisfied by the privileges offered on this card, you may consider the following alternatives:

Welcome Benefit – 25,000 Reward points on your first transaction.

Chartered Plane Benefit – Up to a USD 1,000 off on a round-trip private air charter booking.

Resort Offers – Get hotel credit, daily breakfast, complimentary room upgrades and more at select hotels and Resorts.

Lounge Access – Get the following benefits at overseas lounges:

• Free Lounge-Key membership for Primary and Add-on Cardholders
• 10 free guest accesses per year
• Access to business facilities

Get the following benefits at domestic lounges:

• Unlimited access to both Primary and Add-on Cardholders
• 10 free guest visits in a year

Airport Invitation Services – Get the following meet & Greet services at the airport:

Cruise & Tours Benefits – Save USD 75 per person on all Avalon cruises. USD 250 or 5% savings per person on select Ker & Downey guided tours at worldwide destinations.

Car Rental Benefit – 15% Savings on Sixt Rent a Car.

Golf Privileges – Get the following privileges:

• 3 rounds of free green fees in a quarter
• 1 free guest green fee for a guest in a quarter
• 3 free golf lessons in a quarter
• TPC Golf Course Private Club access
• Get The PGA Tour Player Experience with added benefits
• Access to The Old White TPC At The Greenbrier, West Virginia

Movies & Events Benefits – Get the following privileges via BookMyShow:

• Buy 1 and Get 1 Free Movie ticket. Get up to 4 such free tickets every month
• 50% off on Event tickets that include experiences, events, plays and sports. Maximum discount offered is Rs. 1,000 per month

Health & Wellness Benefits – Get the following privileges:

• Avail Medical Concierge services from the renowned Texas Medical Concierge
• Get coverage for immediate family members & access to a Personal Health Advisor
• Get Support in finding and organizing appointments with top experts
• Get on-going medical support before, during and after treatment
• Get special privileges on weekend getaways and wellness retreat packages at Aatmantan Wellness Resort

Rewards Program – 3 Reward points per Rs. 100 spent internationally. 2 Reward points per Rs. 100 spent domestically.

Milestone Spend Benefit – 10,000 Reward points on total retail spends of Rs. 10 lakhs in 1^st 90 days of issuance.

Foreign Currency Mark Up Fee – 1.75% only.

YES Private is a super-premium credit card. It offers lots of benefits and privileges to the user. These privileges however come at a price. The joining fee of the card is Rs. 50,000 while the annual fee is Rs. 10,000. You may apply for this card if:

• You can easily spend Rs. 25 lakh in a year
• You travel a lot especially overseas
• You live an ultra-luxurious lifestyle
• You require a low foreign mark-up fee card

If you are not satisfied with this credit card and want to explore other option then consider these options:

Welcome Benefit – 40,000 bonus reward points upon making first transaction within 90 days of card issuance.

Renewal Benefit – 30,000 reward points are offered on renewal.

Rewards Program – Up to 24 reward points per Rs. 100 spent. Also earn 1,000 reward points per YES PayNow registration.

Lounge Access – Get Priority Pass Membership with unlimited access to international airport lounges. Also get unlimited access to domestic lounges. Lounge can be accessed by both primary & add-on card holder.

Golf Offers – Get 4 waivers on green fee at select golf courses in India. Also, get 1 free golf lesson every month.

Milestone Benefit – 25,000 bonus reward points upon spending Rs. 20 lakh in a year.

Movie Benefit – 25% discount on movie tickets booked via BookMyShow.

Insurance Coverage – Get the following coverage-

• Air accident cover of Rs. 3 crore
• Overseas emergency hospitalization cover of Rs. 50 lakh
• Credit Shield, Outstanding amount is covered in case of accidental death of the primary cardholder

Concierge Service – Use the facility to make travel arrangements and much more.

YES FIRST Exclusive Credit Card is a premium credit card that offers lots of benefits and features that complement a luxurious lifestyle. Consider applying for the card if:

• You earn over Rs. 4 lakh per month
• You can easily pay the annual fee of Rs. 10,000
• You frequently travel both domestically & internationally
• You make frequent transactions in foreign currency

If you are not satisfied with these cards you may consider the following options: