At a Glance
Key Benefits
12X travel rewards, 12 lounge visits, 24x7 concierge
Lounge Access
8 domestic + 4 international lounges/year
Eligibility
Salaried: Rs.75,000+/month, Age: 21-60, CIBIL: 750+
Quick Details
Annual Fee
₹4,999
#260
Joining Fee
₹4,999
#258
Interest Rate
41.88% p.a.
#88
Forex Markup
2.00%
#38
Rewards/₹100
₹0.75 - ₹3.00
#101
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
8/year
#30
International Lounge Visits
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹1,000
Fee Waiver on Spend ₹3,00,000/yr
Reward Structure
Base
All Spends
₹0.75 /₹100
Cat
Travel
₹3.00 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned2,100
Cash Value₹1,050
Breakdown
Travel1,800
Other Spends300
Total Value₹1,050
Quick amounts:
Airport Lounge Access
Domestic Free
8
visits per year
8 domestic lounge visits per year
International Free
4
visits per year
4 international lounges per year
Quick Analysis
The Yes Bank YES First Preferred Plus is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.
Pros
- Annual fee waiver on spending ₹300000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High interest rate of 41.88% on revolving credit
- Reward points may have limited redemption options
Frequently Asked Questions
What is the annual fee for YES First Preferred Plus?
Yes, the annual fee is ₹4999. The fee can be waived on annual spending of ₹300000.
Is there a joining fee for YES First Preferred Plus?
Yes, the joining fee is ₹4999.
What rewards does YES First Preferred Plus offer?
You can earn rewards worth up to ₹3.00 per ₹100 spent. The base reward rate is ₹0.75 per ₹100.
Does YES First Preferred Plus offer lounge access?
Yes, the card offers 8 Domestic Lounges visits per per year, 4 International Lounges visits per per year.
What is the eligibility for YES First Preferred Plus?
To apply for YES First Preferred Plus, you need minimum age of 21 years, minimum monthly income of ₹75000, credit score of 750+.
User Reviews
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