YES First Exclusive Credit Card
Last Updated : March 3, 2020, 12:26 p.m.
The YES BANK has fulfilled the financial need of its customers through credit cards and loans. There are some credit cards of the YES BANK that has exciting offers and discounts. One such credit card is the YES BANK Exclusive Credit Card. This card has a lot of opportunities to grab thousands of reward points. The reward points are redeemable in hotel and flight bookings. On the other hand, you can enjoy unlimited access to the airport lounge and get some discount deals on movie tickets. This card enables you to enjoy a luxurious lifestyle and you can also cut off the monthly expenses. Let’s have a look at all the best features of this credit card in detail.
Features and Benefits of YES First Exclusive Credit Card
Examine all the offers of this credit card thoroughly and then analyze the savings you can make in a year using this credit card.
Milestone Bonus
- Earn 25000 reward points on spending ₹20 lacs in a year.
Terms and Conditions
- This offer only applies to retail transactions.
Earn Reward Points
- Earn 12 Reward Points on every ₹100 spent on Travel Agencies, Dining, Tour operators and Domestic Airlines.
- On the expenditure of every ₹100 on other categories earn 6 Reward points.
- Register yourself on YES PayNow and earn 1000 Reward Points.
Terms and Conditions
- There are no reward points offers on fuel transactions.
- No reward points will be earned on the EMI transactions.
Reward Points Redemption
You can easily redeem all the reward points on the official website of YESRewardz. On this website, you can use the points to book flights, hotels, movie ticket and many more. There is a long list of products that can be bought through reward points. 4 Reward Points of the YES BANK is equal to ₹1.
Lifestyle Benefits
- Enjoy a free membership of Taj Inner circle Epicure through the YES First Exclusive Credit Card.
- Enjoy Staying and Dining privileges at the Taj Group of Hotels.
- Get 4 Free Golf Games at the selected golf courses in India.
- Enjoy 1 Free Golf lesson every month at the selected golf courses in India.
Unlimited Domestic Airport Lounge Access
- Enjoy Unlimited Visits to the Airport Lounges in India.
- Add-on Cardholders can also enjoy this offer.
- Get Free access at the 25+ Airport Lounges in India.
- You are allowed to enjoy a maximum of 3 Access per quarter to the Airport Lounges.
Terms and Conditions
- The accompanying member with the cardholder is chargeable at the entrance.
Movie Discounts
- Enjoy a discount of up to 25% on the movie tickets booked from BookMyShow.
Terms and Conditions
- The Discount will be given at the BookMyShow Official Application and Website.
- The Maximum eligible discount in a month is ₹250.
Discounts on Fuel Surcharge
- Enjoy a discount of up to ₹250 in a month on the fuel surcharge at all the refilling stations.
Terms and Conditions
- The transaction range must fall between ₹400 to ₹5000.
Insurance Benefits
- Get a Death Cover in case of an Air Accident of ₹3 Crores.
- ₹50 Lacs cover in the case of a medical emergency overseas hospitalization.
- Enjoy a Credit shield cover in case of the accidental death of the primary cardholder.
Concierge Service
- Get 24×7 Concierge Service from the YES BANK.
- Car Rental & Limousine Referral Assistance.
- Hotel Reservation Assistance.
- Travel Reservation Assistance.
- Special Events Assistance.
- Restaurant Reservation Assistance.
- Movie assistance in New Delhi, Chennai, and Bangalore.
- Flower & Gift Delivery.
- Emergency Towing Assistance.
- Roadside Help Assistance.
Other Latest Offers on YES BANK Credit Card including YES First Exclusive Credit Card
| Offer | Brands | Validity |
|---|---|---|
| Earn 600 Reward Points | Fab India | 31st August 2020 |
| A Discount of up to 50% on Medicine | Netmeds | 31st August 2020 |
| A Discount of flat 20% on Staying | Lemon Tree Hotels | 30th September 2020 |
| 20% Off on the first order of ₹800 | BigBasket | 31st December 2020 |
| Up to 15% Off | Apollo Pharmacy | 30th August 2020 |
| A Discount of 12% on the Purchase of ₹1800 or more | Shoppers Stop | 31st March 2020 |
Characteristic of YES First Exclusive Credit Card
Contactless Payment:- For a quick and fast transaction, the YES BANK has equipped this credit card with a feature of contactless payment. You can make payment through the credit card with just a touch without wasting your time in entering a PIN or an OTP.
Secure Transactions:- The YES BANK Credit Card has an EMV chip and it is acceptable at almost all retail stores. On the other hand, you have to provide a PIN for making a transaction at the retail store and enter an OTP while shopping online.
Instant EMI:- Now you can easily convert all the transactions into EMIs for your convenience. The transactions of more than ₹2500 can be easily converted into EMIs without a processing fee or documentation formalities.
YES First Exclusive Credit Card Fee and other Charges
| Particulars | Charges |
|---|---|
| Joining Fees | INR 999 + GST |
| Renewal Fees | INR 999 + GST |
| Low Foreign Markup Fee | 1.75% Only |
| Cash Advances Interest Rate | 1.99% Per Month or 23.88% Per Annum |
| Overdue Amount Interest Rate | 1.99% Per Month or 23.88% Per Annum |
| Waiving Off Criteria | - Spend INR 75000 within 90 days from the date of card issuance and waive off the Joining Fee. - Spend INR 4 Lacs and Above in a year to waive off the renewal fee for the next year. |
Eligibility Criteria
- The minimum age of the Applicant must be at least 21 years.
- The Maximum age of the Individual must not exceed 60 years.
- Net Take Home Salary of the Salaried person must be ₹4 lacs per month.
- The Salaried employee must file an ITR of at least ₹50 Lacs.
- The Self-Employed individual must file an ITR of at least ₹30 lacs.
YES First Exclusive Credit Card Payment Options
- Make YES BANK Credit Card Online Payment through net banking.
- Clear the Credit Card dues through the ATM Fund Transfer.
- Use NEFT for making the payment from another bank.
- Pay off the YES First Exclusive Credit Card bills through standing instructions.
- Use the IFSC code YESB0CMSNOC for making the credit card payment through NEFT from another bank.
- You can also make payments through cheque or cash.