Yes BankYES First Preferred Credit Card
The YES First Preferred Credit Card delivers above-average travel benefits at an accessible ₹999 annual fee.
Top Category Performance
Travel & Lounge (82/100)
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
1 – 2
Forex Markup
2.75%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
18/25
Lounge & Perks
15/20
Forex & Access
10/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
YES First Preferred Credit Card Benefits
YES First Preferred Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 2%
Earn rate
YES First Preferred Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
YES First Preferred Credit Card Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
2 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- Rent, Wallet and Fuel transactions
- Cash withdrawals
- Post Purchase EMI & Instant EMI transactions
- Government transactions
- Marketing / Advertising category transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹25,000/mo (₹3,00,000/yr), your ₹999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES First Preferred Credit Card Eligibility
Pros & Cons
- 2 domestic lounge visits per quarter via DreamFolks
- 2 international airport lounge visits per year
- 12 YES Reward Points per ₹200 on travel, dining, online shopping
- 8 YES Reward Points per ₹200 on all other spends
- 2.75% forex markup — competitive for a ₹999 card
- Annual fee waived on ₹3 lakh spend
- ₹999 annual fee (if threshold not met)
- Limited international lounge visits (only 2/year)
Who is this card for?
Frequent domestic travellers who also travel internationally 1–2 times a year. The combination of domestic + international lounge access and low forex markup at ₹999 fee is hard to beat.
Quick Links
Data last updated 14 Aug 2026
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Calculate your exact earnings with YES First Preferred Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.