Yes FIRST Exclusive credit card

Yes FIRST Exclusive

YES Bank · Mastercard

YES FIRST Exclusive is YES Bank is top-tier credit card — unlimited lounge access, comprehensive travel insurance, and reward rates focused on travel spend. The Rs.9,999 annual fee targets high-income professionals with Rs.35L+ income. Best suited for existing YES Bank Private Banking customers.

Annual Fee

₹9,999

Joining Fee

₹9,999

Base Reward Rate

12X

₹0.35/pt

Min CIBIL

740

₹12L+ income

Key Features

Unlimited domestic and international lounge access via Priority Pass
12 reward points per Rs.200 on travel bookings
Annual fee: Rs.9,999
Air accident cover Rs.2 Crore
Emergency overseas medical cover Rs.50 Lakh
Concierge service and golf access
Dedicated YES Private Banking relationship benefits

Welcome Benefits

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Welcome Reward Points

Earn substantial welcome reward points on first spend. Contact YES Bank for current welcome offer on the Exclusive card.

Reward Rates by Category

Dining

12X

Travel

12X

Online

12X

Shopping

12X

Grocery

12X

Fuel

1X

Utilities

1X

Other

12X

Partner Earn Rates

PartnerCategoryEarn Rate
Travel BookingsTravel12X

Airport Lounge Access

Domestic

Unlimited

International

4 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air with ticket purchased on card.

Rs.2 Crore

Emergency Overseas Medical

Medical emergencies while travelling internationally.

Rs.50 Lakh

Trip Cancellation

Cancellation due to covered medical or travel reasons.

Rs.5 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹35.0 L+ per year

Self-Employed

₹40.0 L+ ITR

Min CIBIL Score

770+

Salaried: Rs.35 Lakh annual income. Primarily for YES Bank Private Banking and premium relationship customers. Strong credit profile and significant YES Bank relationship required. Apply through your YES Bank relationship manager.

Pros

  • Unlimited domestic and international lounge access
  • High reward rate on travel spends
  • Air accident cover Rs.2 Crore
  • Comprehensive overseas medical and travel insurance
  • Dedicated concierge service
  • Golf at select courses
  • Priority banking relationship benefits with YES Bank

Cons

  • YES Bank has gone through financial turbulence — bank stability is a consideration
  • Higher annual fee with limited fee waiver clarity
  • Reward ecosystem less developed than HDFC or Axis
  • No strong partner multiplier on everyday spending categories
  • Limited acceptance compared to HDFC/ICICI/SBI ecosystem cards

Redemption Options

Shopping vouchers

Standard₹0.35/pt

Flight tickets

Standard₹0.35/pt

Frequently Asked Questions

Is YES Bank stable enough to hold a premium credit card?+
YES Bank went through a reconstruction in 2020 but has since stabilized under RBI oversight and SBI backing. The bank is operationally stable and all credit card obligations are honoured. However, if bank stability is a concern for you, established players like HDFC or Axis Bank offer equivalent premium cards.
How does YES FIRST Exclusive compare to Axis Magnus?+
Axis Magnus is better on reward earn rate (12 EDGE Miles per Rs.200 vs 12 YES Points per Rs.200, but EDGE Miles have better transfer partners). Both have unlimited lounge access. Magnus has a stronger travel redemption ecosystem with Singapore KrisFlyer and Air India. YES FIRST Exclusive is most compelling for existing YES Bank Private Banking customers.
What is the YES FIRST Exclusive annual fee waiver?+
Annual fee waiver conditions are typically tied to high annual spend or maintained banking relationship with YES Bank. Contact YES Bank directly for current fee waiver terms on the Exclusive card.
Does YES FIRST Exclusive give unlimited lounge access?+
Yes — unlimited domestic and international lounge access via Priority Pass. No per-visit cap. Comparable to Axis Magnus and HDFC Infinia Metal at this tier.

Ready to apply?

Apply on the YES Bank website. Usually takes 10 minutes.

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Yes FIRST Exclusive

₹9,999/yr · 12X rewards