YES First Preferred Credit Card
Enter the world of rewarding experiences with the YES First Preferred Credit Card. This feature-rich card is guaranteed to elevate your lifestyle
Features and Benefits of YES First Preferred Credit Card
- Accelerated Rewards: Enjoy bonus reward points on joining, renewal, and reaching spending milestones. Additional 2X Reward Points Gain 16 reward points on every ₹200 spent on travel and dining, up to ₹3,000 per statement cycle. Additionally, earn 8 reward points on all other categories.
- Travel Privileges: Access complimentary domestic and international airport lounges with Priority Pass membership. 4 complimentary airport lounge visits per calendar year and 2 complimentary lounge visits per quarter in India
- Complimentary Golf Services: 1 golf lesson every calendar month and 4 additional sessions with green fee waiver at select golf courses in India
- Insurance Coverage: Credit Shield cover of 8 Lac, Lost Card liability cover of 8 Lac
Quick Loan
Get a loan upto the credit card limit to fulfil immediate loan requirements
Express Loan
Get a pre-approved loan at an attractive interest rate on your YES BANK Credit Card
YES First Preferred Credit Card – Fees, Charges & Eligibility
Fees and Charges
| Fee/Charge | Amount |
|---|---|
| Annual Fee (1st Year) | ₹999 + taxes (waived on spending ₹50,000 within 90 days) |
| Annual Fee (Renewal) | ₹999 + taxes (waived on spending ₹2.5 lakh in the previous year) |
| Interest Rate | 3.80% per month (45.6% annually) on revolving credit & cash advances |
| Cash Advance Fee | 2.5% of the withdrawn amount (minimum ₹300) |
| Over Limit Fee | 2.5% of the over-limit amount (minimum ₹500) |
| Foreign Currency Markup | 3.5% |
| Late Payment Fee | Based on outstanding balance (starting from ₹150) |
| Add-on Card Fee | Free (up to 3 cards) |
| Duplicate Statement Fee | ₹100 per statement |
Eligibility Criteria
| Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Occupation | Salaried or Self-employed |
| Minimum Income (Salaried) | ₹2 lakh net salary per month |
| Minimum Income (Self-employed) | ITR of at least ₹24 lakh OR FD of ₹3 lakh with YES Bank |
Documents Required
| Document Type | Examples |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Passport, Utility Bill, Ration Card, Driving License, etc. |
| Income Proof | Salary Slip / Form 16 / ITR (as applicable) |
| Photograph | Recent passport-size color photograph |
How to Apply for YES First Preferred Credit Card?
- Click the Apply button under the YES First Preferred Credit Card section.
- Fill out the online application and upload the required documents.
- Once submitted, you’ll receive an acknowledgement number.
- Track your application status online anytime.
FAQ – YES First Preferred Credit Card
Q: What are reward points worth?
A: Reward points can be redeemed for a wide range of products, gift vouchers, and travel services via the YES Bank rewards platform. Conversion rates may vary by option.
Q: How do I access airport lounges?
A: The card offers complimentary Priority Pass Membership enabling access to select domestic and international lounges.
Q: What travel insurance is included?
A: The card provides overseas medical cover and air accident insurance. Refer to the card’s terms for specific limits and conditions.
Q: Is there a foreign currency markup fee?
A: Yes, a 3.5% foreign currency markup applies to all international transactions.
Q: How do I apply for the YES First Preferred Credit Card?
A: Apply directly through the YES Bank Website or via trusted partners like Fincover for easy processing.
