Yes Bank First Exclusive Visa Credit Card
YES Bank
last updated: Nov 28, 2025
₹2,499
₹2,499
1.75%
No lounge access
Contents
Yes Bank First Exclusive Visa Credit Card (now offered as the YES Bank RESERV Credit Card for new customers) is a premium lifestyle and travel credit card designed for high-income professionals who spend heavily on online shopping, flights, hotels, and dining. You earn accelerated reward points on online and travel spends, along with a low 1.75% forex markup that makes this one of the most attractive Indian credit cards for frequent international travellers. The card also offers complimentary domestic and international airport lounge access, BookMyShow movie offers, golf privileges, fuel surcharge waivers, and strong insurance coverage including lost card liability and credit shield. Overall, this card targets users looking for a YES Bank premium credit card with high reward rates, powerful YES Rewardz redemptions, and luxury travel benefits comparable to other top premium credit cards in India.
Rewards Structure of Yes Bank First Exclusive Visa Credit Card
Base
baseAll spends
Fees & Charges of Yes Bank First Exclusive Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 1.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,350 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on total eligible retail spends of ₹3,00,000 or more in the previous card anniversary year; joining fee reversed on retail spends of ₹40,000 within 30 days (rent and wallet loads usually excluded).
Fee Explanation Most premium YES Bank credit cards (including RESERV, previously YES FIRST Exclusive) currently charge a 1.75% + taxes foreign currency markup, 2.5% of the amount withdrawn (minimum ₹300) as cash advance fee, and late payment charges of 10% of the total due (capped at ₹1,350) on statement balances above ₹500. Overlimit fees are typically 2.5% of the overlimit amount (minimum ₹500), and returned payment/cheque bounce charges are around ₹350 per instance. Always refer to the latest YES Bank MITC and rates & charges for card-specific slabs and GST.
Welcome Bonus with Yes Bank First Exclusive Visa Credit Card
Welcome Bonus: Amazon voucher worth ₹500 as welcome gift for new cardholders.
Bonus Conditions: Spend at least ₹1,000 within 30 days of card setup to receive the Amazon voucher, as per current YES Bank RESERV (ex–YES FIRST Exclusive) offer terms.
Application Process for Yes Bank First Exclusive Visa Credit Card
Processing Time
7-10 working days after successful verification and documentation.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Required Documents for Yes Bank First Exclusive Visa Credit Card
Yes Bank First Exclusive Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
International Acceptance
Online Acceptance
Payment Technologies
Mobile Wallet Support:
Eligibility Criteria for Yes Bank First Exclusive Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹200,000
Minimum annual income
Self-Employed Applicants
₹150,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder should be an Indian resident between 21 and 60 years with a stable income profile. For the current YES Bank RESERV (ex–YES FIRST Exclusive) variant, banks and aggregators indicate a minimum net salary of ₹2,00,000 per month or ITR of ₹18,00,000 per annum. Final approval depends on YES Bank’s internal policies, existing relationship, and bureau score.
How Approval Is Decided
Pros of Yes Bank First Exclusive Visa Credit Card
Cons of Yes Bank First Exclusive Visa Credit Card
Frequently Asked Questions about Yes Bank First Exclusive Visa Credit Card
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