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YES Bank · Mastercard / Visa · हिन्दी

YES FIRST Preferred Credit Card: full review

The YES FIRST Preferred is an all-round lifestyle card at ₹999 that earns about 1% on most spends. The combination of domestic + international lounge access, golf, movie discounts and broad rewards makes it versatile. Welcome and renewal RP offset most of the fee. The 3.5% forex is a disappointment given the international lounge positioning.

Apply now ↗Annual fee: ₹999 + taxes
Last updated: October 2026 · Current terms verified
YES BANK
VISA
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FIRST PREFERRED
ASHOK KUMAR
12/28
₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend)Annual fee
8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycleReward structure
2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority PassLounge access

Key benefits of the YES FIRST Preferred Credit Card

8 reward points per ₹200 on most spends (about 1% at ₹0.25 a point)4 reward points per ₹200 on select categories such as groceries, utilities, taxis and buses (about 0.5%)10,000 welcome reward points on first transaction within 90 days (worth ₹2,500)7,500 renewal reward points on annual fee payment2 complimentary domestic lounge visits per quarter (8/year) via MasterCard lounge program4 complimentary international lounge visits/year via Priority Pass25% discount on movie tickets via BookMyShow (valid on Mastercard only)3 complimentary golf green fee rounds/year at partner courses in India20,000 milestone bonus RP on ₹7.5L annual spend (worth ₹5,000)Annual fee waived on ₹3L/year spend
Apply now ↗ Min. income: ₹4L+/year · Credit score: 750+
Pros and cons
Pros
✓ International Priority Pass lounge access at a ₹999 fee
✓ 8 RP/₹200 base rate covers all categories, simple and broad
✓ Welcome + renewal RP worth ₹2,500 + ₹1,875 reduces net fee significantly
✓ Golf and movie benefits add lifestyle variety
Cons
✗ 3.5% forex despite international lounge positioning: avoid abroad
✗ Rewards are about 1% at ₹0.25 a point
✗ Priority Pass international visits limited to 4/year
✗ Milestone requires ₹7.5L spend, achievable only for high spenders
Quick facts
Issuer YES Bank
Network Mastercard / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceYES Bank's YES FIRST Preferred card page (point value of ₹0.25 as commonly reported; YES Bank's page does not state it) · Last checked October 2026
Recent updates

Corrected from YES Bank's card page: 8 points per ₹200 at ₹0.25 a point is about 1%, not 2%, and select categories such as groceries and utilities earn about 0.5%. The fee is ₹999, not ₹1,499, and the renewal waiver needs ₹2.5 lakh of spend.

Most spends2%1%
Groceries and utilities1%0.5%
Annual fee₹1,499₹999
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Frequently asked questions
The annual fee for YES FIRST Preferred Credit Card is ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend). The joining fee is ₹999.
The main benefits of the YES FIRST Preferred Credit Card are: 8 reward points per ₹200 on most spends (about 1% at ₹0.25 a point); 4 reward points per ₹200 on select categories such as groceries, utilities, taxis and buses (about 0.5%); 10,000 welcome reward points on first transaction within 90 days (worth ₹2,500); 7,500 renewal reward points on annual fee payment; 2 complimentary domestic lounge visits per quarter (8/year) via MasterCard lounge program; 4 complimentary international lounge visits/year via Priority Pass; 25% discount on movie tickets via BookMyShow (valid on Mastercard only); 3 complimentary golf green fee rounds/year at partner courses in India; 20,000 milestone bonus RP on ₹7.5L annual spend (worth ₹5,000); Annual fee waived on ₹3L/year spend.
8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycle
YES FIRST Preferred Credit Card is best for Premium lifestyle card with domestic and international lounge access, golf and movie benefits at mid-range fee. The YES FIRST Preferred is an all-round lifestyle card at ₹999 that earns about 1% on most spends. The combination of domestic + international lounge access, golf, movie discounts and broad rewards makes it versatile. Welcome and renewal RP offset most of the fee. The 3.5% forex is a disappointment given the international lounge positioning.
The minimum income requirement for YES FIRST Preferred Credit Card is ₹4L+/year. A minimum credit score of 750+ is also recommended.
Yes, YES FIRST Preferred Credit Card offers 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass.
YES FIRST Preferred Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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