YES First Preferred Credit Card

8.6
Expert ScoreRead review
  • 2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
  • 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.
  • 8 reward points per Rs. 200 you spent on every other retail purchase.
  • 16 reward points per Rs. 200 spent on travel and dining spends
  • Foreign markup fee of 1.75%
  • The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.

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YES First Preferred Credit Card

8.6
Expert ScoreRead review
  • 2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
  • 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.
  • 8 reward points per Rs. 200 you spent on every other retail purchase.
  • 16 reward points per Rs. 200 spent on travel and dining spends
  • Foreign markup fee of 1.75%
  • The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 999 + GST
Joining Fee
Rs. 999 + GST
Type of Card
Reward
Welcome Benefits
NA

USP of Card

  • 2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
  • 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.
  • 8 reward points per Rs. 200 you spent on every other retail purchase.
  • 16 reward points per Rs. 200 spent on travel and dining spends
  • Foreign markup fee of 1.75%
  • The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.

Fees & Charges

Spend Based Waiver
The renewal fee can be waived off on a spend of more than 4 lakhs in the last year.
Interest Rates
3.8% per month
Cash Advance Charges
1.75% on all foreign currency spends
Rewards Redemption Fee
A reward redemption fee of Rs. 100 on every redemption request.
Fuel Surcharge
1% fuel surcharge waiver applicable at fuel stations all over India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.
Foreign Currency Markup
2.5% of the transaction amount.
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
25% discount on movie booking through BookMyShow.
Reward Redemption
1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
Zero Liability Protection
Zero Liability protection is provided in case the lost or stolen card is reported within 3 days after losing it.
Rewards Rate
4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purchase16 reward
Travel
4 complimentary international lounge access per year and 2 domestic lounge access per calendar quarter.
Online Shopping offers
NA
Insurance Benefits
Life insurance of up to Rs. 1 crore in the case of death due to flight accidents and medical insurance of Rs. 25 lakhs for emergency hospitalization.
Domestic Lounge Access
2 Free Domestic Lounge Access Every Quarter (8 Each Year)
International Lounge Access
You get 4 complimentary international lounge access every year through the Priority Pass.
8.6Expert Score
  • 2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
  • 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.
  • 8 reward points per Rs. 200 you spent on every other retail purchase.
  • 16 reward points per Rs. 200 spent on travel and dining spends
  • Foreign markup fee of 1.75%
  • The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.
Best values score
8.6
8.6Expert Score
  • 2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
  • 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.
  • 8 reward points per Rs. 200 you spent on every other retail purchase.
  • 16 reward points per Rs. 200 spent on travel and dining spends
  • Foreign markup fee of 1.75%
  • The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.
Best values score
8.6

Specification: YES First Preferred Credit Card

Bank Name

YES Bank

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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YES First Preferred Credit Card
YES First Preferred Credit Card

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