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  • Yes First Preferred Credit Card is Rated as "Blown Away!" by 1 Users

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    Yes First Preferred Credit Card

    YES First Preferred Credit Card is one the premier credit cards offered by YES Bank. There are two ways to avail the card - one is by providing your income details and the another is to open a fixed deposit account with the bank. The YES First Preferred Credit Card provides enormous benefits and exclusive rewards for the cardholders. The card serves both lifestyle and travel purposes by providing offers on dining, shopping, travel, entertainment, and others.

    The features and benefits offered by YES First Preferred Credit Card are listed below. You can also find various fees and charges associated with the card along with the process to apply for the same.

    Features and Benefits of YES First Preferred Credit Card

    • Welcome gift: Use your YES First Preferred card to make retail purchases within 90 days of issuance, get 15,000 reward points as welcome rewards. Every renewal will bring you 10,000 reward points upon realisation of the fee.
    • Annual bonus rewards: Cardholders can earn up to 20,000 bonus reward points as an annual bonus on achieving Rs.7.5 lakh or more spends in an anniversary year.
    • Reward points programme: Under the Preferred Reward Points Program, cardholders can earn 8 reward points on every Rs.100 spent on retail purchases and 1,000 reward points on every YES PayNow registration.

    The accrued reward points can be redeemed for flight or hotel or movie ticket booking through a dedicated online portal. The reward point equals Rs.0.25. You can also exchange the points for exclusive products on the rewards catalogue, and also for Jet Privilege (JP) Miles. Every 4 reward points can be exchanged for 1 JP Mile.

    • MasterCard World Golf Programme: The programme allows the cardholders to enjoy a waiver of 3 Green Fee at select golf courses in India. They can also get one complimentary golf lesson every calendar month at participating courses.
    • Airport lounge access: Under the Priority Pass Membership program, primary cardholders will get free membership to the programme and 4 complimentary international lounge access every calendar year. Guest visits and visits by primary cardholder beyond the free visits will be charged at US$27 per visit per person.

    Under the MasterCard Lounge Program, cardholders will get 3 free visits per quarter to more than 25 domestic airports within India.

    • Complimentary insurance cover: All YES First Preferred Credit Card members get life insurance coverage of Rs.1 crore in case of death due to flight accidents. Further, they are also eligible for medical insurance cover worth Rs.25 lakh for emergency hospitalisation when travelling overseas. The card also comes with credit shield which protects the secondary cardholder in case of accidental death of the primary cardholder.
    • Dedicated concierge services: Through YES ASSIST, you can enjoy dedicated concierge assistance for car rental booking, hotel reservation, movie ticket assistance, flower and gift delivery service, and roadside repair assistance.
    • Movie tickets at discount price: Cardholders also get 25% discount on movie tickets booked on Bookmyshow.
    • Fuel surcharge waiver: For fuel transactions between Rs.400 to Rs.5,000, cardholders are eligible for fuel surcharge waiver.
    • Lifestyle benefits: Under Ye Privileges, cardholders can avail great offers across various categories including travel, dining, wellness, shopping, and more.
    • Instant EMI conversion: You can convert big-ticket purchases on the card to easy monthly instalments (EMI) and pay them back in little amounts every month.
      • Any transaction above Rs.2,500 can be converted into EMI.
      • The repayment tenures range from 3 to 24 months.
      • No processing fee will be charged and zero documentation required.
      • Interest charges range from 12% to 15% per annum.
      • You can avail the EMI facility by simply calling YES Touch customer care.
    • Loan on your credit card: Termed as ‘Quick Loan’ facility, YES Bank offers immediate funds to select credit cardholders. The loan amount will be within the credit limit of the card and the approved amount will be disbursed within 3 working days.

    Fees and Charges Associated With YES First Preferred Credit Card

    Type of Fee Amount
    Joining fee NIL
    Renewal membership fee NIL
    Interest rate on revolving credit, overdue amount, and cash advances (For YES Bank salary or savings account holders) 1.99% per month or 23.88% per year
    Interest rate (For those who do not have YES Bank salary account) 2.75% p.m. or 33% p.a.
    Interest rate (For credit cards issued against fixed deposits) 2.59% p.m. or 31.08% p.a.
    Preferential foreign currency markup fee 1.75%

    Eligibility to Apply For YES First Preferred Credit Card

    • Applicant should have a minimum age of 21 years and maximum of 60 years.
    • The applicant can be a salaried individual or self-employed.
    • Applicant should have a minimum net salary of Rs.2 lakh per month or should have filed an income tax return of Rs.24 lakh or above.
    • Customers with a fixed deposit of Rs.3 lakh are also eligible to avail YES First Preferred Credit Card.

    How to apply for YES First Preferred Credit Card online?

    If you wish to apply for Prosperity Edge Credit Card, you can contact YES Bank’s credit card customer care, check your eligibility to apply for the card and know the application process.

    Alternatively, you can directly apply for the card online on Bank Bazaar website. Bank Bazaar is an authorised fintech company that has partnered with YES Bank to provide online application services for the customers. Interestingly, Bank Bazaar offers a unique paperless credit card approval process. Application, as well as documentation, will be done online and you don’t have to submit any hard copies of documents nor you need to visit any bank branches or executives.

    To apply through Bankbazaar.com, visit the website, click on ‘Credit Cards’, filter the results to see only YES Bank credit card. Find YES Prosperity Edge Credit Card from the list and click on ‘Check Eligibility’ You will be asked a set of questions, based on which your eligibility to apply for the card will be determined. Once your profile is eligible to apply for the card, you will be redirected to the online application page, where you need to fill all the required details and upload the documents to apply for the card. You may receive an acknowledgement once your application is successfully submitted.

    How to Apply For YES Bank Preferred Credit Card Offline

    If you do not wish to apply for a YES Bank Preferred Credit Card online, please visit the nearest YES Bank branch and a bank executive will be able to assist you. You will be asked to fill up the credit card application form manually and submit it with all necessary documents. If your application is approved by the bank, the credit card will be sent via post to your registered address.

    Documents Required to Apply For YES First Preferred Credit Card

    • A duly-file credit card application form.
    • A copy of identity proof such as Aadhaar card, passport, PAN card, Voter’s ID or any other government ID.
    • A copy of address proof such as a driving licence, phone or electricity bill, rental agreement, credit card statement or bank account statement of other banks.
    • Salaried applicants will have to submit their recent payslips.
    • Self-employed businessmen will be required to submit their latest Income Tax Returns with the computation of income and business continuity proof.
    • Self-employed professionals need to submit their latest IT returns, business continuity proof or other bank’s credit card statement.
    • One passport-sized photograph.

    Frequently Asked Questions (FAQs) about YES First Preferred Credit Card

    1. Can I register my YES Bank First Preferred Credit Card with Samsung Pay?
    2. YES. You can register your YES Bank first Preferred Credit Card with Samsung Pay. Please visit https://www.yesbank.in/credit-card-application-status for more details on how to link your YES Bank credit card to Samsung Pay.

    3. If I have any questions about my YES First Preferred Credit Card, how do I contact YES Bank?
    4. YES Bank has a dedicated customer service department for their credit cardholders. You can contact the round-the-clock customer service department at 1800 103 6000 which is a toll-free number for people calling from mobiles and landlines within India. Customer calling from outside India can contact YES Bank by calling +91 22 4935 0000. Alternatively, you can also write to YES Bank credit card department at yesfirstcc@yesbank.in.

    5. Do I get any special discount if I use my YES First Preferred Credit Card for shopping or paying my dining bills?
    6. YES. From time to time, YES Bank offers great discounts and cashback for their credit cardholders. Please visit https://www.yesbank.in/credit-card-application-status for the complete list of latest offers available for YES Bank credit cardholders.

    7. How do I contact the dedicated concierge desk?
    8. Please 1800 11 9371 or 022 42320239 to reach the exclusive concierge service desk.

    Other Yes Bank Credit Cards

    Yes First Preferred Credit Card Reviews

    • YES Bank Credit Card
      "Easy to use"
      0.5 5.0/5 "Blown Away!"
      For past 3 months i have been using the credit card with Yes Bank. I have got a credit limit of Rs. 30000 and I'm satisfied with it. This is a life time free credit card. There is a cashback offer available in card. Online purchase offer is there in Amazon and Flipkart. I have called the customer care service and the response is best.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
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