Super Premium

YES FIRST Exclusive Credit Card

Name: YES FIRST Exclusive Credit Card
Brand: YES Bank
Price: 10000 INR

YES Bank

6.7

CardTrail Score

Decent

out of 10

💰 Net Value

5.2

🔓 Accessibility

4.6

⚡ Feature Depth

7.5

🏦 Bank Trust

5.5

How we score →

Compare This Card Full Details

Annual Fee

₹10,000

Spend ₹10L/year

Forex Markup

1.75%

Reward Rate

Up to 3%

Lounge Access

Unlimited

domestic | 8 intl

About This Card

The YES FIRST Exclusive Credit Card is a super-premium credit card from YES Bank with an annual fee of ₹10,000. It delivers a solid 1.0% reward rate on all spends. Key perks include unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and luxury spenders.

Pros & Cons

Pros

Competitive 1.0% reward rate
Low forex markup at 1.75%
Generous lounge access benefits
Fuel surcharge waiver saves on petrol/diesel

Cons

High annual fee of ₹10,000
Requires minimum ₹15L annual income

Fee Details

Annual Fee

₹10,000

Joining Fee

₹10,000

Fee Waiver Condition

Spend ₹10L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

YES Reward Points

Welcome Bonus

10,000 Reward Points

Lounge Access

Domestic Lounges

Unlimited

International Lounges

per year

Key Highlights

+ Annual fee ₹10,000 (waiver: Spend ₹10L/year)
+ 1.0% reward rate on all spends
+ Unlimited domestic lounge access
+ 8 international lounge visits/year

Compare With...

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9.4

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