YES FIRST Exclusive Credit Card Review

Yes Bank has introduced a new credit card for their customers, named Yes First Exclusive Credit Card. It is a premium credit card that comes with a reasonable price and lots of benefits and features like reward benefit, lounge access, golf privilege, movie benefit, fuel surcharge waiver, insurance coverage, lifestyle benefit, concierge service, and lots more. additional information on the card is given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹3 lakh monthly or the Income-tax return should be greater than ₹20 lakh. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹3 lakh monthly or the Income-tax return should be greater than ₹20 lakh.
  • Good CIBIL Score (780 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: ₹9,999 + GST
  • Annual Fee: ₹9,999 + GST

Benefits:

  • Welcome benefit:

If you choose this card you will get 40,000 reward points on the first transaction made with this card. You have to make the first transaction within 90 days of the card issuance to claim this offer.  

You will also get 30,000 reward points on each renewal of this card.

  • Reward benefit:

For each ₹200 transactions made on Tour operators, travel agencies, and domestic airlines, you will get 24 reward points. You will also get 12 reward points for the same in other categories. 

If you register for Yes PayNow you will get 1000 reward points. 

You can redeem those reward points very easily you can redeem them against flights, movie tickets, or hotel bookings, and various products available in the reward catalog. You can also redeem them into Air Miles, (10 reward points = 1 air mile)

  • Lounge access:

You will get complimentary international lounge access per year with the help of the priority pass membership of this card. This offer is valid for the primary and add-on members. You’ll be charged $27 + GST for guest visits. 

You will get unlimited domestic lounge access across more than 25 lounges in India.

  • Golf:

If you choose this card, you will get 4 complimentary golf rounds per year at some selected golf courses in India. You will also get 1 complimentary golf lesson per month. You have to call on 1800 102 6263 for bookings.

  • Movie Benefit:

If you book your movie ticket from BookMyShow, you will get a 25% discount on it. 

  • Fuel surcharge waiver:

If you choose this card you will get a 1% waiver on fuel surcharges. This offer applies to all fuel stations in India. The transaction amount should be between ₹400 to ₹5000.

  • Insurance coverage:

This card offers ₹3 Cr coverage against air accidental deaths, and ₹50 lakh coverage against emergency hospitalization while traveling outside India. 

This card also offers a credit shield for the accidental death of the cardholder. 

  • Concierge  and Automobile assistance Service:

With this card you will get a 24X7 active concierge service, they can assist you in car rental, hotel booking, reservation of travel, assistance during special events, table booking at restaurants, booking movie tickets, etc. 

You will also get an automobile assistance facility with this card.  

  • Lifestyle benefit:

You will get some awesome offers on travel, dining, wellness, shopping, and many more.

  • Secure IVR Transaction:

For IVR transactions you need an OTP. You have to send an SMS from your mobile number which is registered in the Bank. Type YESIVR<space>last 4 digits of the card number and send it to 9212738927.

  • EMI facility:

You can convert any transaction over ₹1500 into EMI, with this card. This feature is very helpful for the shoppers. 

  • Security:

This card has a built-in EMV chip this chip is specially designed to add more security to your transactions. Also, this card comes with 3D security which makes it more secure. 

  • Other features:

There are also some other features in the card like Quick loan facility, Yes Paynow facility, Card Protection Plans, etc.  

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.

Charges:

  • Finance Charge: 1.99% monthly. 
  • Foreign currency transaction: 1.75% against the transaction amount. 

Contact Details:

Call: 18001031212

        022-4935-0000

Mail: [email protected]

100xGain Ratings:

5/10

Final Opinion:

If you are looking for a premium credit card at an affordable cost then this card can be a very good option for you. You will get free lounge access, golf privilege, fuel surcharge waiver. insurance coverage, and lots more. Also, you can earn reward points from every transaction, and the features offered by this card can make your life much easier. But if you want to spend a little more then you can go for HDFC Infinia Credit Card, and if you want to spend even more then you can go for Axis Bank Reserve Credit Card

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