YesBank’s Yes First Exclusive Credit Card Review

By | March 14, 2021

After going through many ups and downs, Yes Bank has achieved its stability some time back and is now working at its great pace. Yes Bank launched Yes First Exclusive credit card some years back and provided some of the premium services across the country.

Yes First Exclusive Card is termed as a premium card of the company. This card is launched to give direct competition to HDFC Infinia Credit Card.

Most of the premium credit cards available in the country are running on either visa or infinite variants. But Yes Bank bought this card in co-branding with Mastercard.

YesBank's Yes First Exclusive Credit Card

Yes Bank Fees

Type of feeAmount Charged
Joining feeRs.9,999+taxes
Renewal feeRs.9,999+taxes
Foreign currency markup1.75%
  • Renewal Fee waiver on spending Rs.6,00,000 in a year


  • Age: 21-60 years
  • Salaried: Min. monthly income should be Rs.4,00,000
  • Self-employed: Annual income should be at least Rs.50,00,000

Also Read
HDFC Millenia Credit Card Review

Yes Bank Welcome Benefits

YesBank's Yes First Exclusive Credit Card Rewards
  • You will get 40,000 Reward Points if you make your first transaction within 90 days of card set up.
  • Enjoy Renewal Benefit of 30,000 Reward Points as an annual bonus.

Reward Rate

  • On spending Rs200 on travel agencies, tour operators, airlines & dining, you will get 24RP
  • 12 RP on spending Rs200 on other categories.
  • 1RP= Rs0.25
  • 10 RP = 1 InterMile / 1 CV Point

Yes Bank Mastercard Golf Program

  • The complementary benefit of getting green fees waiver per calendar year at select Golf courses in India
  • 1 golf lesson every month at selected golf courses across the country.

Lounge Access

Yes Bank Yes First Exclusive lounge access
  • Unlimited lounge access for Primary and all Add-on Cardmembers. Along with this, you will get complimentary Priority Pass Membership.
  • Lounge visits at Airports in India and all Guest visits using Priority Pass will be charged at US $27+ GST per person per visit.
  • Enjoy Unlimited Domestic Lounge access for Primary and all Add-on Cardmembers across 25+ Lounges in India.

Insurance Coverage

  • Air accidental cover: INR 3Cr.
  • Medical Insurance when traveling overseas: INR 50 lakhs
  • Credit Shield cover in case of accidental death of Primary Cardmember: INR 10 lakhs

Yes Assist

  • Car Rental & Limousine Referral and Reservation Assistance
  • Hotel Referral and Reservation Assistance
  • Travel Referral and Reservation Assistance
  • Emergency Towing Assistance
  • Roadside Repair Assistance, & more.

Fuel Surcharge waiver

1% fuel surcharge waiver across all petrol pumps in India (INR400-5000)

Similar Read
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Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 12 months
    • ITR of 2 years

How To Apply?

how to apply for Yes Bank Yes First Exclusive

You can apply for the card in the following manner:

  1. You have to visit the Yes Bank website to apply for the card.
  2. Customer can also make an application for the card by visiting any nearby Yes bank branch
  3. Fill up all the information to apply for the card
  4. Submit all the necessary documents required for the credit card

Our Suggestion

This is the premium card launched by Yes Bank, and we must say that the comeback credit card of Yes Bank is amazing.

This card offers dynamic rewards and benefits. We have used the card for a year and really like to use it further as well. However, the joining fee is high it worth paying.

Unlimited golf course, lounge access, and high credit shield make this card one of the best cards in the industry.


Unlimited lounge accessBank will charge lounge access every time
Complimentary golf course
Free priority pass membership

Bottom Line

We can say Yes to Yes Bank First Exclusive Credit card. You have already read the benefits and perks provided by it. The reward rate provided is 2.2% which is somewhere near to Infinia ~3%.

Few more exclusive benefits come with this card, like you get lifetime free membership when you hold another card with eight lakhs of limit. Here is just one example; there are many more like this.

You can contact your service provider to know about these perks individually. But we must say that this is a card with a nice reward system & if you get a chance to hold this you can go for it.

Source: Website


How to pay Yes Bank Credit Card outstanding bills?

You can pay the YES BANK Credit Card Bill through the following convenient channels:

Customers can pay outstanding bills through net banking, or you can make payment by visiting through bank branches as well. You can also make payment via NEFT/RTGS.

How to redeem Reward Points?

You may redeem YES BANK Credit Cards Reward points in the following ways as shown below
a) Rewards Catalogue: You can redeem your Reward Points against product categories like Electronics and Mobiles, Gift Cards and Vouchers, Personal care, Air Miles Conversion, and many more. Check out our catalog often with new products constantly being added basis the latest
b) Bookings (available on select Credit Cards): For instant redemption, our Bookings section allows you to:

  • Book flight tickets across 260+ airlines
  • Stay across 6 lakhs+ hotels around the world
  • Book movie tickets across 865+ screens

To start redeeming, log on to or call YES Rewardz
Customer Care at 1800 419 0600.

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