Yes Bank
YES First Preferred Credit Card
Your rating
Community rating
Joining Fee
₹999
Annual Fee
₹999
Reward Rate
1% – 2%
Forex Markup
2.75%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 2%
Earn rate
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026