Yes Bank First Exclusive Credit Card

  • Joining Fee: Rs. 1999 + GST
  • Renewal Fee: Rs. 1999 + GST
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: N/A
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The First Exclusive credit card is a high-end offering by Yes Bank. It can be considered a direct competitor to HDFC’s most premium Infinia credit card. The card comes with complimentary access to both international as well as Domestic airport lounges. Apart from that, what makes this card such a lucrative offering in the premium segment is one of the lowest foreign currency markups by industry standards (1.75%). But that’s not it, since it is a very premium card, you also get many other benefits like 24×7 concierge service, complimentary rounds of golf, Priority Pass membership, and movie ticket bookings at a discounted rate. Read the article for further information about this card.

New Features

Spend Based Waiver

The Joining fee is waived on spending Rs. 75,000 in the first 90 days and the renewal fee is waived off if total spends reach Rs. 4 lakh or more in the previous year.

Interest Rates

2.99% per month (35.88% annually)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge is waived on all fuel purchases at all fuel stations across India for transactions between Rs. 400 and Rs. 5000 (waiver capped at Rs. 1000 per month).

Foreign Currency Markup

1.75% (plus applicable taxes)

Cash Advance Charges

2.5% (subject to a minimum of Rs. 300)

Movie & Dining

25% discount of movie tickets booked on BookMyShow (with a cap of Rs. 250 per month) and dining offers in select cities on the Yes Privileges portal. 24 Reward Points per Rs. 200 spent on dining and travel, capped at 5000 RPs per month


3 complimentary domestic airport lounge visits per quarter at select airports across India, 6 complimentary international lounge access (outside India) with Priority Pass membership and travel offers on the Yes Privileges portal.

International Lounge Access

6 complimentary airport lounge access outside India with membership to the Priority Pass Program.

Rewards Rate

6 Reward Points for every Rs. 200 spent on Selected category, 12 Reward Points on every Rs. 200 spent on all other transactions and 24 Reward Points per Rs. 200 spent on travel and dining


4 complimentary rounds of golf with green fee waived and 1 complimentary golf lesson per year at selected golf courses across the country under the MasterCardWorld Golf program.

Insurance Benefits

Insurance coverage worth Rs. 3 crore in case the cardholder’s life is lost due to an air accident, medial insurance worth Rs. 50 lakh in case of emergency overseas hospitalization and a Credit Shield cover (up to Rs. 10 lakh) against outstanding card dues in the unfortunate event of death of the primary cardholder.

Reward Redemption

Reward Points can be redeemed on the YesRewardz portal for hotel/flight/movie tickets booking and against purchases from the exclusive catalogue of products. Reward Points can also be redeemed against AirMIles (10 Reward Points = 1 InterMile / 1 Club Vistara Point).

Domestic Lounge Access

12 domestic lounge visits every year (3 per quarter) at select airports across India under the MasterCard Lounge program.

Zero Liability Protection

In the event of loss of the card, you won’t be liable for any unauthorised transaction after the time of reporting the loss to Yes Bank’s customer care.


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