Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • YES First Preferred Credit Card

  • We found 1 YES First Preferred Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    2499
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    YES First Preferred Credit Card is a credit card with significant rewards and benefits that help you save the more you spend. Not only are there substantial reward points on the first transaction, renewal, and important milestones, but also accelerated reward points for select categories.

    These reward points can be redeemed for products, services, or experiences across a wide range of categories ranging from flight and movie tickets to hotel bookings. An exclusive catalogue of products offers an attractive range of products to choose from to redeem the reward points. Apart from this, you also get complimentary priority pass membership to airport lounges internationally as well as in India.

    There is also insurance coverage for flight accidents and medical insurance cover for hospitalisation incurred when traveling overseas. There are also Instant EMI, EMI on Call, and Quick Loan features. There is also fuel surcharge waiver and discounts on movie tickets to round out the entire premium experience.

    YES First Preferred Credit Card Key Highlights

    • Get 10,000 reward points when you make your first transaction (Terms and conditions apply)
    • Enjoy 25% discount on movie tickets made on BookMyShow.
    • Get 20,000 reward points every anniversary year if your annual spends exceed Rs.7.5 lakh.
    • Earn 8 reward points on every Rs.200 spent on travel and dining.
    • For every Rs.200 spent on other categories, get 4 reward points.
    • For each YES PayNow registration, get 1,000 reward points.
    • Enjoy fuel surcharge waiver at all fuel stations in India for transactions between Rs.400 to Rs.5,000.

    YES First Preferred Credit Card Lifestyle Benefits

    • Get Green Fee waiver at select golf courses in India.
    • Enjoy complimentary Golf Lesson every month at select golf courses across the country.
    • Enjoy 4 complimentary airport lounge accesses under the Priority Pass Membership.
    • Enjoy 3 domestic lounge accesses limited to 3 visits per quarter for primary cardholders in over 25 lounges in India.
    • Enjoy life insurance cover of up to Rs.1 crore in case of flight accidents.

    YES First Preferred Credit Card Features and Benefits

    • Preferential foreign currency markup of 1.75% only.
    • Attractive interest rate of 3.50% per month on revolving credit.
    • Reward points never expire.
    • Medical Insurance: Get Rs.25 lakh medical insurance for emergency hospitalization when traveling overseas.
    • Credit shield: Also, get credit shield in case of accidental death of the primary cardholder.
    • Concierge services: Get 24x7 dedicated concierge assistance who will help you with hotel reservations, flight bookings, restaurant referrals, movie tickets assistance, and flower and gift delivery.
    • Automobile assistance: Get 24x7 emergency automobile assistance with your YES First Preferred Credit Card. You can use this service for emergency towing assistance or roadside repair.
    • Card Protection Plan: Safeguard your credit card with the Credit Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.

    YES First Preferred Credit Card Fees and Charges

    Type of Fee Amount
    Joining fees Rs.2,499
    Annual fee Rs.2,499 (waived off on spending Rs.4 lakh the previous year)
    Finance charges 1.99% for existing YES Bank customers; 2.75% for new YES Bank customers.
    Cash advance charges 2.5% of the advance amount
    Over limit charges 2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
    Add-on card fee Nil up to 3 cards
    Late payment fees
    • Outstanding balance up to Rs.100 - Nil
    • From Rs.101 to Rs.500 - Rs.150
    • From Rs.501to Rs.5,000 - Rs.500
    • From Rs.5,001 to Rs.20,000 - Rs.750
    • Above Rs.20,000 - Rs.1000
    Returned cheque Rs.350
    Foreign currency mark-up charge 1.75% on the transaction amount
    Duplicate statement request Rs.100 per statement
    Re-issue of lost or stolen card Rs.100

    Eligibility Criteria for YES First Preferred Credit Card

    To be eligible to get a YES First Preferred Credit Card, you need to fulfill the following eligibility criteria:

    • You should be a minimum of 21 years.
    • You should not be over 60 years.
    • Your minimum net monthly salary should be Rs.2 lakh.
    • If you are self-employed, your Income Tax Return should be Rs.24 lakh or more.
    • Or, you should have a fixed deposit with YES Bank of Rs.3 lakh or above.

    Documents Required for YES Bank First Preferred Credit Card

    Address proof Any one of the documents
    • Passport
    • Telephone bill
    • Electricity bill
    • Passport
    • Voter ID card
    • Ration card
    • Aadhaar card
    Identity Proof Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter’s ID card
    • Driving license
    Income proof (For salaried)
    • Recent pay slips
    • Last 6 months bank statements
    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement
    • Balance sheet
    Other documents
    • Duly-filed application form
    • Passport size photographs

    FAQs on YES First Preferred Credit Card

    1. How do I reach the YES Bank concierge desk?

      Please dial 1800119371 to reach the concierge desk. You can also contact the YES bank’s credit card customer care department at 1800 103 1212.

    2. Is there a cap on the fuel surcharge waiver?

      Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.

    3. Is there a fee to redeem my reward points accumulated in my YES Bank First Preferred Credit Card?

      Yes. A reward redemption fee of Rs.100 will be levied when you redeem your reward points.

    4. How do I get more information about the complimentary golf lessons that the YES Bank First Preferred Credit Card offers?

      Please dial 1800 102 6263 to book your golf lessons.

    5. Is YES First Preferred Credit Card as contactless credit card?

      Yes. This is a contactless credit card.

      

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