YES FIRST Exclusive Credit Card

There are some exclusive credit cards available for the customers of YES Bank. YES FIRST Exclusive Credit Card is one of them. The card is specially designed for those peoples who like to use their card for rewards. It is one of the best card for lifestyle and other advantages. The card has so many benefits such as welcome reward, reward points, golf offers, travel offers, insurance policy, assistance, concierge services, fuel surcharge waiver, movies offer, contactless card etc. Lets discuss about the card briefly –

Eligibility Criteria:

  • Age: The applicant should be 21 years old and he/she should not be old more than 60 years.
  • Citizenship: Applicant should be an Indian or non resident Indian.
  • Occupation:  Applicant should be salaried or self employed.

Applicant should have a good credit score.

  • Income:

Applicant should have a good source of income.  Net income should be Rs.4 lakh per year and the Income tax return should be Rs.50 lakh or more for salaried customer and Rs.36 lakhs for self employed customers.

Required Documents:

  • Identity proofs: Voter card and Aadhaar card, Driving license, passport, Ration card.
  • Address proof: Ration card, aadhaar card, electricity bill, telephone bill.
  • Income proofs: 

For salaried applicants: Last 3 month’s bank statement, salary slip of last 3 months or any document of income.

For self employed applicants: Recent Income Tax Returns, Balance sheets.

  • PAN card
  • Photographs.

Fees:  Rs.9999 + Taxes for joining fees

Rs.9999 + Taxes for  renewal fees.

No add-on card fee. ( for up to 3 cards).

Privileges on YES FIRST Exclusive Credit Card:

  • Welcome benefits:  There are some welcome reward for you if you choose this card. After paying the joining fees you will get a SMS of welcome gift vouchers on your mobile number which is registered in the Bank. You will be able to choose your welcome gift by replying the SMS or by calling the customer care number.
    • After receiving the card when you make your first transaction in between three months you’ll get 40000 reward points as welcome gift.
    • You’ll get 30000 reward points for renew your card.
    • And if you spend Rs.20 lakhs or more in a year you’ll get 25000 Bonus reward points.
  • Reward Points: You can earn reward points by spending.
    • If you spend Rs.100 for travel agencies and tour operator, domestic airlines and dining you’ll get 12 reward points.
    • If you spend Rs.100 for all other purposes you will get 6 reward points.
    • If you register on YES PayNow you’ll get 1000 reward points.

These reward points are redeemable and you can redeemed these through flight booking, movie tickets bookings, hotel bookings, or through cash credit or Air Miles or club Vistara. ( 8 reward points is equals to 1 InterMiles or Club vistara point).

You can also redeem reward points through purchasing exclusive catalogue of products.

  • Golf Offers: There are some complimentary golf games and golf lessons available in this card. You will get 4 complimentary rounds of green fee in select golf courses per year and you will get 1 complimentary golf lessons per month. You have to call on 1800 102 6263 for bookings.
  • Travel offer: There are some travel offers for you with this card.
    • 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 cardholders and other add-on cards.
    • You’ll be charged 27USD for guests visit.
    • You will get unlimited domestic lounge access for all cardholders across more than 25 lounges in India.
  • Insurance Policy:
  • You will get a insurance coverage of Rs.3 crores for air accident death.
    • There is a insurance policy of medical purposes of Rs.50 lakh for emergency hospitalization outside India.
    • You will get a cover of Credit Shield for accidental death. It is only applicable for primary cardholder.
  • Concierge Services: You will get concierge services with this card which is available in 24×7. With this facility you can avail pre-trip assistance, flight booking, hotel reservation, sports and entertainment booking , ordering flowers and gifts for your special one.
  • Assistance:  If any problems comes to in emergency services, this credit card will help you in your emergency time. Just call at auto assist care. You can avail this offer in this cases-
  •  Roadside repair
    • Emergency fuel service
    • Tire services
    • Losing of keys
    • Battery service
    • Emergency towing assistance
    • Accident Management and medical assistance. Etc.

Call on 1800 11 9371 or 022 42320239 for this service.

  • Movies offer:  There are some exclusive movies offer for the cardholders.

You will get 25% off when you book a ticket from bookmyshow.com or BookMyShow mobile app.

  • Fuel surcharge waiver:  You will get freedom from 1% fuel surcharge if you spend at any petrol pump in India. The savings will depend on your spending. To avail this offer you have to transact between Rs.400 to Rs.5000.
  • Lifestyle Benefits:  You will get some awesome offers on travel, dining, shopping, wellness and many more.
  • Contactless Card Features:  You can transact without contact with the help of NFC Technology.   You can use the Card for your daily purchases. For transaction, go to any secure reader and wave your card smoothly.

It is fast and convenient that it is very unnecessary to give your card to anybody for everyday small purchases.

It is very secure. If you transact without contact , the card will always attached in your hand.

  • Password protection for Online Transactions:  This card is very secure for online transactions.
  • Security for IVR Transaction:  For IVR transactions you need a OTP. You have to send a 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.
  • Other services:  It has also Instant EMI, EMI on call, Quick Loan, YES PayNow, Card Protection Plan etc.
  • Online services: You can pay your bill of the card through Net Banking, ATM Fund Transfer, Standing Instruction, NEFT, IMPS, RTGS, Cheque payment, Cash payment at YES Bank branch, YES mobile App, YES Pay app, YES ROBOT etc.
  • Charges: 
  • Interest rate 1.99% per month.
    • Cash advance charges 2.5% of advance amount ( minimum Rs.300).
    • Late payment charges:
      • Rs.0 for up to Rs.100
      • Rs.100 for Rs.101 to Rs.500
      • Rs.400 for Rs.501 to Rs.5000
      • Rs.500 for Rs.5001 to Rs.20000
      • Rs.700 for Rs.20000 and more.
    • Overlimit charges 2.5% of overlimit amount ( minimum Rs.500).
    • Rs.350 for returning cheque.
    • Foreign currency mark-up 1.75%.
  • Customer Care:  For more details you can contact in this 24×7 helpline number 1800 103 6000.
  • Rating: 4 stars.

Final Opinion:  If you are searching for a credit card with many privileges on traveling, shopping, etc then you can use the YES FIRST Exclusive Credit Card. You can save money by using its reward points.

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