Is there a welcome bonus?

Yes — 10,000 bonus Rewardz points on first transaction within 90 days of card issuance (new cardholders only).

What is the joining and annual fee?

Joining fee ₹999 + GST and annual fee ₹999 + GST. First-year joining fee may be waived on ₹50,000 spend within 90 days; renewal waiver on ₹2,50,000 annual spend.

How do I get lounge access?

Lounge access is provided as per card benefits; domestic and limited international visits are available subject to bank policy, enrollment and any spend thresholds.

How do Rewardz points get earned and redeemed?

Points are earned on retail spends (accelerated rates on dining and online). Points can be redeemed via the YES Rewardz portal for flights, hotels, vouchers and statement credit as per T&Cs.

Can I add an add-on card?

Yes — add-on cards are available subject to bank rules and documentation. Charges and limits may vary.

What are the eligibility requirements?

Minimum age 21, Indian resident, minimum salaried income approx. ₹25,000/month or self-employed ₹40,000/month; PAN and Aadhaar required and subject to the bank's credit assessment.

Credit Cards/YES Bank/Yes bank yes first preferred Visa Credit Card

Yes bank yes first preferred Visa Credit Card

YES Bank

Last updated: Feb 03, 2026

fuel grocery restaurants e-commerce travel

Annual Fee

₹999

Joining Fee

₹999

Forex Fee

1.99%

Lounge Access

6 visits/yr

The YES Bank YES First Preferred Visa Credit Card is a lifestyle rewards card aimed at frequent shoppers and travellers. It offers a welcome bonus, accelerated reward earning on select spends, complimentary lounge access and milestone rewards that grow with higher annual spends. Overall, it suits cardholders who spend on dining, travel and online shopping and want a balanced rewards-to-fee ratio.

Features of Yes bank yes first preferred Visa Credit Card which makes it unique

Rewardz Catalogue

Redeem points across flights, hotels, shopping and vouchers

Flexible redemption options

Competitive with other mid-premium lifestyle cards

Milestone Bonuses

Large bonus points on high annual spends

Generous for high spenders

Better milestone structure versus basic reward cards

Rewards Structure of Yes bank yes first preferred Visa Credit Card

Dining

accelerated

Restaurants and dining outlets

Reward Rate:5 pts/₹100

Monthly Cap:No explicit cap noted in public T&Cs

Higher earn on dining and restaurants

Online

accelerated

E-commerce, travel & online bookings

Reward Rate:4 pts/₹100

Monthly Cap:May vary by promotional period

Accelerated points for online spends

Fuel and Utilities

base

Petrol, utility bills

Reward Rate:2 pts/₹100

Monthly Cap:Standard earn rate

Some categories may be excluded from reward points

All Other Retail

base

All other merchant spends

Reward Rate:2 pts/₹100

Monthly Cap:No

Standard reward earning across retail spends

Milestones of Yes bank yes first preferred Visa Credit Card

Annual Milestone

₹7,50,000 : 20,000 bonus Rewardz points

Renewal Bonus

N/A : 7,500 Rewardz points on renewal (as per bank T&Cs)

Fees & Charges of Yes bank yes first preferred Visa Credit Card

Fee & Amount	Fee Value
Joining Fee	₹999
Annual Fee	₹999
Forex Markup Fee	1.99%
Cash Advance Fee	2.5%
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	2%

Renewal Conditions:Annual fee waiver on spending ₹2,50,000 or more in an anniversary year; first-year joining fee may be waived on ₹50,000 retail spend within 90 days.

Fee Explanation Standard interest, fees and charges apply as per YES BANK credit card schedule. GST and minimum charges may apply.

Detailed Explanation of Yes bank yes first preferred Visa Credit Card Fees

Joining Fee: ₹999 + GST (one-time)

Waived on ₹50,000 retail spend within 90 days

Annual Fee: ₹999 + GST (yearly)

Waived on ₹2,50,000 annual spend

Cash Advance Fee: 2.5% (min ₹300) (transaction)

Cash withdrawal at ATM

Foreign Currency Markup: 1.99% (transaction)

Applies to forex transactions

Late Payment Fee: Up to ₹750 (per instance)

As per outstanding amount slab

Lounge Access Benefits with Yes bank yes first preferred Visa Credit Card

domestic Lounges

silver

Visits per year: 4

Guest access: No

Complimentary visits subject to bank's lounge policy and spend/eligibility criteria

international Lounges

silver

Visits per year: 2

Guest access: Yes

Access via partner networks where applicable; subject to enrollment and T&Cs

Insurance Coverage with Yes bank yes first preferred Visa Credit Card

Travel Insurance

₹10,00,000

Valid on international trips when tickets are booked on the card (check T&Cs)

Purchase Protection

₹50,000

Covers eligible purchases for a limited period; claim terms apply

Additional Features of Yes bank yes first preferred Visa Credit Card

Contactless Payments

Tap-to-pay enabled for faster checkouts

Add-on Cards

Add-on cards available (subject to bank policy)

Up to bank-specified number of add-on cards

Welcome Bonus with Yes bank yes first preferred Visa Credit Card

Welcome Bonus: 10,000 Rewardz Points
Bonus Conditions: Bonus awarded to new cardholders on making the first transaction within 90 days of card issuance. Terms apply.

Application Process for Yes bank yes first preferred Visa Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via YES BANK or Finanjo portal

Upload KYC and income documents

Receive verification call from bank

Card dispatched within 5-7 business days after approval

Required Documents for Yes bank yes first preferred Visa Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16