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Yes Bank
YES FIRST Exclusive
Visa
YES FIRST Exclusive
A premium card in YES Bank's FIRST program with low revolving interest rates and unlimited global lounge access — tailored for frequent international travelers.
Rates and fees last verified 19 July 2026.
Annual fee
₹999
Joining fee
₹0
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Premium
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Unlimited complimentary international lounge access via Priority Pass
- Preferential forex markup of 1.75%
Pros
- + Unlimited Priority Pass lounge access
- + Low forex markup (1.75%)
- + Lowest revolving rate (1.99%)
Cons
- − Requires ₹75K spend to waive fee
- − High income bar (₹50L/year)
Applying takes you to Yes Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.