YES Bank
First Preferred Credit Card
SimplifyCards take:A good fit if you want a card built for travel, dining, and lounge
✓
Best for Travel SpendsBest for
16 YES Rewardz Points / ₹200 spent
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
✦
Good fit if you want a card built for travel, dining, and loungeBottom line
It combines complimentary airport lounge access, a low 1.75% forex markup, and accelerated rewards on travel spends
Estimate your YES Rewardz Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
YES Rewardz Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel Spends | 16 YES Rewardz Points / ₹200 spent | 3,000 YES Rewardz Points |
| Dining Spends | 16 YES Rewardz Points / ₹200 spent | 3,000 YES Rewardz Points |
| Other Retail Spends | 8 YES Rewardz Points / ₹200 spent | - |
| Select Categories (utilities, Grocery, Insurance, Government/Taxes) | 4 YES Rewardz Points / ₹200 spent | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.1 airmile per point
Vouchersupto ₹ 0.1 per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 10:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Adani One | Adani One Rewards | 100:10 |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of ₹75,000 in the previous calendar quarter
2
International lounge4 visits per year
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 complimentary international lounge visits per calendar year
3
Milestone20,000 bonus YES Rewardz points on annual spends of ₹7.5 Lakhs
4
Fee waiverRenewal fee waived on annual spends of ₹ 2.5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- First-year membership fee waived on spending ₹50,000 within 90 days of card issuance
- 10,000 bonus YES Rewardz points on first transaction within 90 days of card issuance (worth ₹2,500)
Additional benefits
- 25% discount on movie tickets on BookMyShow, up to ₹250 per month
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month
- Green fee waiver and complimentary golf lessons at select golf courses
Additional details
- 1% fee + GST on utility transactions when cumulative spends exceed ₹15,000 in a calendar month
- 1% fee + GST on rental transactions
- 1% fee + GST on wallet load transactions when cumulative spends exceed ₹15,000 in a calendar month
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK approval criteria
Exclusions
Spending that does not earn yes rewardz points
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- EMI transactions (including post-facto conversions)
Compare before you decide
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