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YES First Exclusive

Yes Bank
|
Lounge Access Premium Rewards Travel

Annual Fee

₹2,500

Rewards/₹100 ⓘ

₹2.00 - ₹4.00

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

At a Glance

Key Benefits

Reward points, 1.75% forex markup

Lounge Access

0 domestic + 8 intl lounges/year

Eligibility

Any income level, CIBIL: 750+

Quick Details

Annual Fee
₹2,500 #227
Joining Fee
₹2,500 #228
Interest Rate
42.00% p.a. #108
Forex Markup
1.75% #24
Rewards/₹100
₹2.00 - ₹4.00 #91
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
0/year
International Lounge Visits
8/year #21
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network VISA
forex_markup 1.75%
Fee Waiver on Spend ₹3,00,000/yr

Reward Structure

Base

All Spends

₹2.00 /₹100
Base

Travel

₹4.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Other Spends
8.0 pts
100% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Renewal Benefit

Annual fee waiver on Rs. 300000 annual spend

Spend ₹3,00,000 within 365 days

₹2,500

value

Airport Lounge Access

Domestic Free
0

visits

International Free
8

visits per year

Insurance Coverage

Air Accident

₹1,00,00,000

Lifestyle Perks

Concierge

24x7 concierge service for travel, dining, and lifestyle bookings

Dining

4 /month

Special dining offers and discounts at partner restaurants

Golf

4 /quarter

Complimentary golf rounds at premium courses

Quick Analysis

One of the best value premium cards with excellent forex rates and rewards.

Pros

  • Excellent reward rate, low forex markup, unlimited lounge, golf

Cons

  • Higher annual fee, YES Bank perception

Best For

Premium lifestyle, low forex markup, excellent travel

Not Ideal For

Higher fee than entry cards

Frequently Asked Questions

What is the annual fee for YES First Exclusive?
The annual fee is Rs. 2500. The fee can be waived on spending Rs. 300000 annually.
What are the eligibility requirements for YES First Exclusive?
A good credit score of 750+ is recommended. Income requirements vary based on your relationship with the bank.
Does YES First Exclusive offer lounge access?
Yes, the card offers complimentary airport lounge access.
What rewards does YES First Exclusive offer?
The card offers reward value ranging from 2.00% to 4.00% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 1.75% on international transactions.
Which payment network does YES First Exclusive use?
The card is issued on the Visa network.

User Reviews

Our Rating

3.7
APPLY NOW

on Yes Bank's website

Rating Breakdown

Rewards
3.7/5 Top 21%
Benefits
4.5/5 Top 22%
Fees
3.3/5 Top 76%
Value for Money
3.8/5 Top 21%
User Reviews
3.0/5 Top 50%

Important Links

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