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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-1.9%)^ | 0.0% | 0.9% | 1.8% | 1.8% |
| Est. Monthly Reward (₹) | (100) | (5) | 175 | 880 | 1,790 |
| All-India Rewards Rank* | 271 | 230 | 95 | 33 | 33 |
| Within Bank Rank* | 15 | 12 | 4 | 1 | 1 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The YES FIRST Exclusive Credit Card gives 2.5% effective rewards on dining and travel with a monthly cap of 5,000 points or about ₹1,250. All other spending earns 1.5% effective rewards, with no caps.
You can earn a net reward yield of 1.8% with this credit card on spending more than ₹50,000 a month on your credit card.
The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.
You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | YES FIRST Exclusive Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 24 Reward Points / ₹200 on: – Travel – Dining 12 Reward Points / ₹200 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – 6 Complimentary International Airport Lounge Visits / Year
– 3 Complimentary Domestic Airport Lounge Visits / Qtr. – 4 Complimentary rounds of Golf / Year |
| Rewards Redemption Fee | Nil |
| Reward Caps | 5,000 rewards points on Travel and Dining |
| Preferred Redemption Method | Redeem on YES Rewardz Portal @₹0.25 / Reward Point on Flights |
| Card | YES FIRST Exclusive Credit Card | |
|---|---|---|
| Joining Fee | ₹1,999 + Taxes | |
| Annual Fee | ₹1,999 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹3 Lacs | |
| Income Criteria | Salaried | ₹24 Lacs p.a. |
| Self-employed | ITR>₹18 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 35.90% | |
| Foreign Currency Markup | 1.75% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
