Premium Credit Cards | YES FIRST Exclusive Credit Card| YES BANK

Welcome and Renewal Reward Points
- Get 40,000 Reward Points on your first transaction done within first 90 days of card issuance date^a (Offer is valid only for Paid Cards)
- Enjoy Renewal Benefit of 30,000 Reward Points on each renewal^b (Offer is valid only for Paid Cards)
Annual Bonus Rewards
- Earn 25,000 Bonus Reward Points on achieving spends of INR 20 Lakhs or more in each anniversary year^c
Reward Points Program
- Accelerated rewards point will continue to be offered on select transactions on YESCART
- 12 Reward Points for every INR 200 on all categories^e other than ‘Select categories’
- 6 Reward Point for every INR 200 on Select categories^d
- 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
Exclusive 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
- Exclusive Catalogue of Products
- Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
Complimentary Golf Program
- Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India^h
- Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India
- Please click here to know more
International & Domestic Lounge Program*
- Domestic Lounge Program - 3 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember. Please click here to know more
- International Lounge Program –
  - Cards issued on Mastercard: Complimentary Priority Pass Membership (available upon request) with unlimited complimentary visits per calendar year at airports outside India. A charge of US $27+GST will be applicable for all guest visits and usage at Airports within India^h
  - Cards issued on VISA: Avail unlimited Complimentary Airport Lounge Visits per calendar year through the LoungeKey Program. Present your Visa branded YES BANK Credit Card to access Lounges outside India displaying the LoungeKey logo. A charge of US $27+GST will be applicable for all guest visits^h

*Priority Pass membership is applicable only for the Primary & Add-on Cardmember(s) (for cards issued on Mastercard), and is non-transferable to any other person(s). To apply for your Priority Pass membership, please download the Application Form and follow the steps mentioned in the form.

For complete list of lounges, please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)

Insurance Coverage
- Life Insurance Cover of INR 3 Cr for death due to Flight Accidents^j
- Medical Insurance cover of INR 50 Lakhs for emergency hospitalization when travelling overseas^j
- Credit Shield cover of up to INR 10 Lakhs in case of accidental death of Primary Cardmember (Subject to Credit Limit of the Credit Card)^*
- Please click here to know more
Interest Rate on Revolving Credit
- Interest Rate of 1.99% per month (23.88% annually) on Revolving Credit, Cash Advances and Overdue Amount
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^k
- Please click here to know more
Fuel Surcharge Waiver
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000^l
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 Exclusive 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 or Verified by VISA
- 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

Glossary:

Valid on retail purchases and on card with annual membership fee only
Valid on retail purchases and on renewal membership fee realization only
Valid on retail purchases only. Anniversary year is defined as 12 months from card set up date or card renewal date

Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories. Not valid on EMI on Call & Instant EMI transactions

MCC	Description
4111	Transportation—Suburban and Local Commuter Passenger, including Ferries
4121	Limousines and Taxicabs
4131	Bus Lines
4900	Utilities—Electric, Gas, Heating Oil, Sanitary, Water
5411	Grocery Stores, Supermarkets
5960	Direct Marketing—Insurance Services
6300	Insurance Sales, Underwriting, and Premiums
8211	Schools, Elementary and Secondary
8220	Colleges, Universities, Professional Schools, and Junior Colleges
8241	Schools, Correspondence
8244	Schools, Business and Secretarial
8249	Schools, Trade and Vocational
8299	Schools and Educational Services—not elsewhere classified
9211	Court Costs Including Alimony and Child Support
9222	Fines
9311	Tax Payments
9399	Government Services—not elsewhere classified
9402	Postal Services—Government Only
9405	Intra-Government Purchases—Government Only
4784	Bridge and Road Fees, Tolls
5499	Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance Fee & Charges, Priority Pass & LoungeKey Charges, EMI on Call & Instant EMI transactions
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.
Terms and conditions apply. The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers
Terms and conditions apply. The list of lounges is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without prior notice to YES BANK or its Cardmembers. Please visit please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)
Applicable only if the flight ticket was booked on YES BANK Credit Card. Feature applicable only for Primary Cardmember
Total value of discount in a calendar month is capped at INR 250 per card or 25% of ticket value, whichever is lower
Total waiver in statement cycle is capped at INR 1,000. 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.
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
These charges will reflect in your credit card statement within 90 days from the date of usage of Priority Pass for lounge access

Click here for value chart

Charges

Annual membership fees

First Year Membership Fee of Rs 9,999 + Applicable Taxes
Renewal Membership Fee* of Rs 9,999 + Applicable Taxes

*spend INR 6 Lakhs in an year and get waiver on renewal membership fee for subsequent year.

Privileges

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

Credit Card Payment

Easy ways to make YES BANK Credit Card Bill Payment

You can pay your YES BANK Credit Card Bill through the following convenient channels

1) For YES BANK Account Holders:

Net Banking: Register yourself for the YES BANK Net Banking facility and make Credit Card payments online. Click here to visit Net Banking
ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM
Standing Instruction: You can submit written instructions to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account

2) For All Customers:

For NEFT/IMPS/RTGS mode of payment - You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC
Cheque Payment: You can make your YES BANK Credit Card payment by cheque, quoting your 16-digit YES BANK Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please do mention your name and mobile number on the back of the cheque
Net Banking: Make payment through any bank Net Banking account using BillDesk facility. Click here
Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the Schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments
YES Mobile App: You can pay through your YES BANK Savings Account or any other bank account
YES Pay App: You can also pay your Credit Card bill with your YES BANK account or any other bank account using UPI*
YES ROBOT: You can pay your Credit Card bill with your YES BANK account or any other bank account using BillDesk facility