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* Please note that certain features, fees and charges shall be revised w.e.f. 1^st July, 2020. For more details, please click here.

• Welcome and Renewal Reward Points

  • Get 10,000 Reward Points on your first transaction done within first 90 days of card set up date^a

  • Enjoy Renewal Benefit of 7,500 Reward Points on each renewal^b

• Annual Bonus Rewards

  • Earn 20,000 Bonus Reward Points on achieving spends of INR 7.5 Lakhs or more in each anniversary year^c

• Preferred Reward Points Program

  • 16 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining^d

  • 8 Reward Points per INR 200 spent on all other categories^e

  • 1000 Reward Points on each YES PayNow registration^f

  • Please click here to know more

• Preferred Reward Points Redemption : Please visit YesRewardz to know more or redeem Reward Points

  • Dedicated website for Flight / Hotel / Movie ticket booking on Reward Points redemption

  • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)

  • Redemption available for Flights / Hotels and Movies only (Catalogue redemption not available)

  • To Redeem your Reward Points, please call on +91 40 6653 4510 or write a mail to support@yesrewardz.com or contact your relationship manager

• MasterCard World Golf Programme

  • Enjoy waiver of 4 Green Fee at select golf courses in India^g

  • Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India

  • For bookings, please contact MasterCard Golf Concierge on 1800 102 6263

  • Please click here to know more

• Priority Pass Membership and MasterCard Lounge Program

  • Complimentary Priority Pass Membership and 4 Complimentary Visits outside India in a calendar year for Primary Cardmember only^h

  • Lounge visits at airports in India, beyond complimenatry visits (outside India) and all guest visits for Primary Cardmember will be charged at US $27+GST per person per visit

  • Enjoy Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers across 25+ Lounges in India

  • Please click here to know more

• Insurance Coverage

  • Life Insurance Cover of INR 1 Cr for death due to Flight Accidentsⁱ

  • Medical Insurance cover of INR 25 Lakhs for emergency hospitalization when travelling overseasⁱ

  • Credit Shield cover in case of accidental death of Primary Cardmember

  • Please click here to know more

• YES ASSIST - Dedicated Concierge Services

• Concierge Assistance | Automobile Assistance
• Exclusive Concierge Desk on your Card. Book your special requests on our YES Assist Concierge Services

  • Car Rental & Limousine Referral and Reservation Assistance

  • Hotel Referral and Reservation Assistance

  • Travel Referral and Reservation Assistance

  • Special Events and Performance Assistance

  • Restaurant Referral and Reservation Assistance

  • Movie tickets assistance in New Delhi, Bengaluru and Chennai

  • Flower & Gift Delivery

  • Emergency Towing Assistance

  • Roadside Repair Assistance

  • Simply call on 1800 11 9371 (Toll Free number accessible by MTNL/BSNL/Reliance/Tata Network users) OR 022 42320239

• Interest Rate on Revolving Credit

  • Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount

  • Interest Rate of 3.0% per month (36% annually) on Revolving Credit, Cash Advances and Overdue Amount for Credit Cards Issued against Fixed Deposit

• Preferential Foreign Currency Markup

  • Preferential Foreign Currency Markup of 1.75% only

• 25% Discount on Movie Tickets booked on BookMyShow

  • Avail 25% discount on movie tickets when booked on BookMyShow Website or Mobile App^j

  • Please click here to know more

• Fuel Surcharge Waiver

  • 1% Fuel surcharge waiver^k at all fuel stations across India for transaction between INR 400 to INR 5,000

• Lifestyle Benefit : Please visit YES Privileges to know more

  • Avail great offers across travel, dining, shopping, wellness and more, in select cities

• Contactless Card Technology

  • Contactless transaction on the Card enabled with NFC Technology

  • YES FIRST Preferred Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards

• Secure Password for Online transactions

  • Secure your online transactions with MasterCard® SecureCode™

  • Click here to create your 3D Secure Password

• Password for IVR transactions

  • To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS ‘YESIVR<space> last 4 digits of your YES BANK Credit Card number’ to 9212738927 from your registered mobile number

  • Please click here to know more

• Enjoy below services on your Credit Card

a. Valid on retail purchases and on card with annual membership fee only

b. Valid on retail purchases and on renewal membership fee realization only

c. Valid on retail purchases only. Anniversary year is defined as 12 months from card set up date or card renewal date

d. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by MasterCard under Travel and Tour Operators (MCC: 4722), Dining (MCC: 5812, 5813, 5814) and Domestic Airlines(MCC 4511, 3020, 3056) categories. Not valid on EMI on Call & Instant EMI transactions

e. Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance, Fee and Charges, Priority Pass charges and EMI on Call & Instant EMI transactions

f. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments. Additionally, please note (i) De-registration of a biller within 6 months of YES PayNow registration will result in reversal of bonus reward points earned for that particular biller registration (ii) De-registration of a biller post 6 months of YES PayNow registration, followed by re-registration of the same biller, will not earn any bonus reward points

g. Terms and conditions apply. The list of golf courses is subject to change at the sole discretion of MasterCard and without any prior notices to YES BANK or its Cardmembers.

h. Terms and conditions apply. The list of lounges is subject to change at the sole discretion of MasterCard and without any prior notices to YES BANK or its Cardmembers. Please visit https://www.prioritypass.com to know more

i. Applicable only if the flight ticket was booked on YES BANK Credit Card. Feature applicable only for Primary Cardmember

j. Total value of discount in a calendar month is capped at INR 250 per card or 25% of ticket value, whichever is lower

k. Total waiver in statement cycle is capped at INR 500. Only surcharge will be waived, GST as levied on surcharge will not be waived. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks.

l. In case of lost /stolen card or any suspicious transaction on your YES BANK credit card, you can block your card immediately by sending an SMS. SMS BLKCC <Space><Last 4 digits of card number> to 9840909000 from your registered mobile number

Annual membership fees

1. First Year Membership Fee of Rs 2,499 + Applicable Taxes

2. Renewal Membership Fee* of Rs 2,499 + Applicable Taxes

Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES. Click here

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

• Key Attractions:
  • Zero documentation
  • No Processing fees
  • Repayment options from 3 months to 24 months
  • Convert Transaction starting from as low as INR 2,500
  • Interest Rates ranging from 12% p.a to 15% p.a

• List of Partners:
  • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy instalments at the following merchant partner.
  • Please click here view list of stores and click here to view list of online partners
  • For detailed Terms and Conditions please click here