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YES FIRST Preferred Credit Card

Name: YES FIRST Preferred Credit Card
Brand: YES Bank
Price: 2999 INR

YES Bank

7.6

CardTrail Score

Very Good

out of 10

💰 Net Value

6.2

🔓 Accessibility

6.3

⚡ Feature Depth

6.8

🏦 Bank Trust

5.0

How we score →

Compare This Card Full Details

Annual Fee

₹2,999

Spend ₹3L/year

Forex Markup

1.75%

Reward Rate

Up to 4%

Lounge Access

domestic | 4 intl

About This Card

YES FIRST Preferred offers competitive perks — 1.75% forex, solid lounge access, and a generous welcome bonus. The elephant in the room is YES Bank's brand perception after its 2020 crisis. If you can look past that, the card-level value is strong.

Pros & Cons

Pros

1.75% forex is competitive
10,000 welcome points is generous
Good lounge access
4X on dining/travel

Cons

YES Bank brand perception after crisis
Reward ecosystem is limited
Points redemption value varies
Less stable issuer

Fee Details

Annual Fee

₹2,999

Joining Fee

₹2,999

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

10,000 Reward Points + ₹500 BookMyShow

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ 1.75% forex — competitive
+ Generous welcome bonus
+ 8+4 lounge visits
+ 4X on dining and travel

Compare With...

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