YES First Exclusive Credit Card
YES · MASTERCARD★ 4.6/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹10,000 in vouchers, points or cashback on card activation
6% on Travel
24X Edge Reward Points on travel spends
3% on Dining
12X Edge Reward Points on dining
Airport Lounge Access
Unlimited domestic and international lounge access via Priority Pass
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Golf Privileges
24 complimentary golf rounds per year
24x7 Concierge
24x7 dedicated lifestyle and travel concierge
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
24 rounds
Golf rounds/year
₹7,200
Golf perk value
₹5,000
Milestone bonus value
- 24x7 lifestyle and travel concierge
- 24 complimentary golf rounds/year at partner courses
- Milestone Edge Reward Points on annual spend target
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
Priority Pass
International lounges
₹35,000
Estimated annual value
0% — Zero!
Forex markup
6.0%
Travel reward rate
- Domestic + international airport lounge access (worth ~₹35,000/yr)
- 6.0% effective return on travel bookings
- Zero forex markup — zero extra cost abroad
Pradeep travels internationally every quarter and refuses to pay forex markup. YES First Exclusive has zero forex markup — saving him ₹7,000/year on ₹2L international spend vs a standard 3.5% card. He earns 24X Edge Reward Points on travel (worth 1.5% back), gets unlimited domestic and international Priority Pass, and 24 golf rounds. A super-premium card with the rare combination of zero forex + unlimited lounge.
Who is this for?
For YES Bank HNW customers who travel internationally regularly and currently paying 2–3.5% forex markup on another card. The zero forex + unlimited Priority Pass combination at the super-premium tier matches IDFC First Wealth perks at a higher fee but with stronger lifestyle benefits.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.30. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 6% | — |
| Dining | reward points | 3% | — |
| International | reward points | 3% | — |
| Other | reward points | 3% | — |
Travel: 24X Edge Reward Points on travel spends
Dining: 12X Edge Reward Points on dining
International: 12X points on international transactions
Other: 12X Edge Reward Points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international lounge access via Priority Pass
24 complimentary golf rounds per year
24x7 dedicated lifestyle and travel concierge
Milestone Edge Reward Points on annual spend target
Should you get it?
- Best for: YES Bank HNW customer spending ₹5L+/year internationally, Currently paying 2–3.5% forex markup on another super-premium card, Golf enthusiast who wants free rounds as a card benefit, Wants zero forex + unlimited lounge without HDFC/ICICI banking relationship
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Travel (6% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Zero forex markup — ₹2L international spend saves ₹7,000 vs standard 3.5% cards annually
- Unlimited domestic and international Priority Pass — global lounge access without visit caps
- 24X Edge Reward Points on travel (effective 1.5% back) plus zero forex = best international dual-benefit in India
- 24 complimentary golf rounds per year — one free round every 2 weeks
Cons
- YES Bank has smaller branch and ATM network than HDFC or ICICI
- ₹10,000 annual fee — no spend-based waiver available
- Edge Reward Points have narrower redemption catalogue than Amex MR or HDFC SmartBuy
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your yes reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
YES Bank's benefit stability has wobbled before — super-premium customers need confidence the perks survive the card's lifetime.
Bottomline
CardAdvisor Rating: 4.6 / 5First Exclusive assembles a super-premium travel package that matches cards twice its profile — the zero-forex/unlimited-lounge pairing is rare and valuable. The honest caveat: you are betting on YES Bank's premium commitment staying funded.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the YES First Exclusive Credit Card are taken from YES's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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