Yes First Exclusive Credit Card Review

The yes first exclusive credit card is one of the most popular credit cards among movie lovers. While this card comes with a joining fee of Rs.999, it lets you enjoy Powerful yes reward points on every transaction, exclusive discount on movie tickets, complimentary golf rounds, an unbelievably lower interest rate, and lots more. You can find more about the yes bank credit card benefits from the details given below.

How does the yes first exclusive credit card eligibility work?

• Resident Type: Indian. 
• Yes bank credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Income-tax return should be greater than Rs.20 lakh per year. 
• Yes first credit card eligibility criteria for self-employed person:
  • Age: 21 to 60 yrs. 
  • Income: Income-tax return should be greater than Rs.20 lakh per year.
• A good CIBIL score (Above 750) is mandatory to apply for this yes bank first exclusive credit card.

As you submit your yes credit card application you will receive a unique application id. Later, you can use that to track your yes bank credit card application status.

What documents are required to apply for a yes bank first exclusive credit card?

• 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. 

What are the yes bank credit card annual charges?

• Yes first exclusive credit card joining fee: Rs.999 + GST
• Yes first exclusive credit card annual fee: Rs.999 + GST

What are the yes first exclusive credit card benefits?

• Get rewarded for every transaction you make:

You can get rewarded for every transaction you made using this yes first credit card.

Category of transaction	Rate of earning reward points
Groceries, utilities, transportation, tax payments, etc.	6 yes rewards for every Rs.200 transaction
All other categories (excluding fuel purchase, EMI conversion, wallet top-up, etc.)	12 yes credit card rewards for every Rs.200 transaction.
Rs.20 lakh within an anniversary year	25,000 bonus yes bank credit card rewards

You can redeem them against various products available in the yes first exclusive credit card reward points redemption catalog. You can also redeem them into Air Miles, (10 reward points = 1 air mile). 

• Travel comfortably with complimentary lounge access:

This yes first exclusive credit card features complimentary lounge access, that can make your travel more comfortable.

Facility	Maximum free access you can get
Domestic airport lounge access	3 quarterly access to most of the leading domestic airport lounges
International lounge access	Visa cards Unlimited free access via the LoungeKey program yes bank mastercard credit cards Unlimited free access via the yes bank priority pass program

• Enjoy exclusive deals on movie tickets:

If you use this yes exclusive credit card to book a movie ticket from BookMyShow, you will get a 25% discount on it. 

• Exclusive Yes bank credit card offers on golfing:

Using this yes bank exclusive credit card you will get 4 complimentary golf rounds every year at some selected golf courses in India. You will also get 1 complimentary golf lesson every yes bank credit card billing cycle.

• Enjoy freedom from fuel surcharges:

This yes bank credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5000.

• Complementary Yes bank credit card insurance coverage:

Particulars	Total coverage amount
Air accidental death coverage	Rs.3 Cr.
Emergency overseas hospitalization coverage	Rs.50 lakh
Credit shield	10 lakh

• Enjoy easy bill splitting:

You can convert any of your high-value transactions (over Rs.1500) into EMI. You can calculate the monthly installment amount from the yes bank credit card emi calculator. 

• Enjoy the convenience of the contactless payment:

This yes bank movie credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing your yes bank card over any contactless-enabled POS machine. You can control the contactless payment option from your yes bank credit card online banking account.

What are the yes bank credit card charges?

Particulars	Payable amount
Yes bank credit card cash withdrawal charges	2.5% against the withdrawn amount, min Rs.300 (Check your available yes bank credit card limit before making a withdrawal)
Yes bank credit card finance charges	1.99% monthly or 23.88% annually (applicable if the yes credit card payment is not made within the due date)
Yes bank credit card foreign transaction fee	1.75% against the transaction amount
Add on credit card fee	None (for up to 3 cards)

How to contact the yes credit card customer care department?

• Call the yes bank credit card customer care no: 18001031212 / +91 22 49350000
• Write to the yes bank credit card customer care email id: yestouchcc@yesbank.in

100xGain Ratings: 

7/10

Pros & cons of the yes first exclusive card:

Pros	Cons
The rate of offering yes first exclusive credit card rewards is very impressive. You can bag a huge discount on movie tickets. This yes bank credit card features complimentary golf rounds every month.	You will not get any dining benefits from this yes bank first exclusive credit card.

Final Opinion:

If you are looking for premium credit cards at an affordable cost then this yes first exclusive 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 yes bank credit card reward points, and the features offered by this yes credit card can make your life much easier. 

But if you want to spend a little more than you can take a look at our top credit card pages, you can also compare the alternative card options given below.

Alternative cards of the yes bank yes first exclusive credit card: 

1. Axis bank neo credit card (Best for cashback and movie benefits)
2. HSBC premier mastercard credit card (Best for lounge access and Movie benefits)
3. IDFC first bank first classic credit card (Best for reward points, lounge access, and movie benefits)
4. RBL platinum advantage supercard (Best for offering movie benefits)