• Close
Explore Products
YES First Credit Cards

YES First Preferred Credit Card
for NRI

Experience the world of exclusive privileges and Rewards with the YES FIRST Preferred Credit Card. Pamper yourself with rich benefits, features and a world of choice for redeeming your Reward Points.

Eligibility for YES FIRST Preferred Credit Card

1: Age Criteria: Minimum 21 years to maximum 60 years

2: Existing NRE/NRO account holder with YES BANK

3: Minimum Fixed Deposit amount of INR 8,00,000 with YES BANK


Visit your nearest YES BANK Branch to apply. Click here to Locate the nearest branch


To track the status of your Credit Card application, please call our 24*7 YES TOUCH Customer Care Number 1800-103-6000 quoting the 13 digit unique application reference number sent to your mobile number.

key attractions


Welcome privilege of 10,000 Reward Points on first transactiona

Complimentary Lounge Access

Complimentary International lounge access for Primary Cardmembers


Enjoy 25% discount on movie ticket bookings at BookMyShow


  • Welcome and Renewal Reward Points

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

    • Enjoy Renewal Benefit of 7,500 Reward Points on each renewalb

  • Annual Bonus Rewards

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

  • Reward Points Program w.e.f 15th June 2021

    • Accelerated rewards point will continue to be offered on select transactions on YESCART

    • 8 Reward Points for every INR 200 on all categoriese other than ‘Select categories’

    • 4 Reward Point for every INR 200 on Select categoriesd

    • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)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 or contact your relationship manager

  • MasterCard World Golf Programme

    • Enjoy waiver of 4 Green Fee at select golf courses in Indiag

    • 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 onlyh

    • 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

    • Primary Cardmembers enjoy Domestic Lounge access, limited to 3 visits per quarter (with effect from 15th June 2021, will be 2 visits per quarter), across 30+ 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

  • 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 Appj

    • Please click here to know more

  • Fuel Surcharge Waiver

    • 1% Fuel surcharge waiverk 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 as per the table below, referred to as Select categories. Not valid on EMI on Call & Instant EMI transactions




Transportation—Suburban and Local Commuter Passenger, including Ferries


Limousines and Taxicabs


Bus Lines


Utilities—Electric, Gas, Heating Oil, Sanitary, Water


Grocery Stores, Supermarkets


Direct Marketing—Insurance Services


Insurance Sales, Underwriting, and Premiums


Schools, Elementary and Secondary


Colleges, Universities, Professional Schools, and Junior Colleges


Schools, Correspondence


Schools, Business and Secretarial


Schools, Trade and Vocational


Schools and Educational Services—not elsewhere classified


Court Costs Including Alimony and Child Support




Tax Payments


Government Services—not elsewhere classified


Postal Services—Government Only


Intra-Government Purchases—Government Only


Bridge and Road Fees, Tolls


Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

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 transaction. Not applicable for register and pay or adhoc payments. Additionally, please note – a. De-registration of a biller within 6 months on YES PayNow will result in reversal of reward points earned for that particular biller transaction. b. De-registration of biller post 6 months of YES PayNow registration, followed by re-registration will not earn any 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 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

*spend INR 4 Lakhs in an year and get waiver on renewal membership fee for subsequent year.


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

what would you like to do next?

Important Documents
Find a Branch
Share with a friend

Have any other query?

Q. What are the easy ways to make YES BANK Credit Card Bill Payment?

Your account has been set up with Auto-Debit option from your YES BANK NRE/NRO account. Additional payments can be made from YES BANK NRE/NRO account only. Please click here to visit NetBanking


Other Cards

Credit Card - YES Prosperity Edge

YES Prosperity Edge Credit Card for NRI

download app
Android App for YES BANK
App Store for YES BANK
yes pay wallet

Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

Read More


Download Forms

Documents Required

  • Fair Practice Code for Credit Card Operations
  • Add On Credit Card T&C
  • Credit Card-Card Member Agreement
  • YES FIRST MITC Credit Cards - Telugu
  • YES FIRST MITC Credit Cards - Tamil
  • YES FIRST MITC Credit Cards - Punjabi
  • YES FIRST MITC Credit Cards - Marathi
  • YES FIRST MITC Credit Cards - Kannada
  • YES FIRST MITC Credit Cards - Hindi
  • YES FIRST MITC Credit Cards - Gujrathi
  • YES FIRST MITC Credit Cards - English
  • YES FIRST MITC Credit Cards - Bengali
  • Collection & Recovery agencies – Credit Cards