All cards / Yes Bank
YES FIRST Preferred
YES Bank's mid-tier FIRST program card with 2X rewards on travel/dining and non-expiring points — excellent for reward collectors.
Annual fee
₹999
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 25% discount on movie tickets booked via BookMyShow
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter for the primary cardholder
- International lounge access: 4 complimentary international lounge visits per year via Priority Pass
- Golf: 4 complimentary golf rounds per calendar year plus 1 complimentary golf lesson per month at select courses in India
- Insurance benefits: Flight accident cover up to ₹1 crore; overseas medical emergency insurance up to ₹25 lakh
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate
- ✈️ Travel
4% reward rate · Priority Pass or LoungeKey (4 free visits/year)
- 🛡️ Insurance
Flight accident cover and overseas medical emergency insurance
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹24,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,50,000
- Foreign currency markup: 2%
- Interest rate: 23.88%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹5,000 at all fuel stations in India, capped per statement cycle
Benefits
- Priority Pass or LoungeKey (4 free visits/year)
- Points never expire
- Flight accident cover and overseas medical emergency insurance
- 25% discount on movie tickets via BookMyShow; complimentary golf rounds and lessons
Pros
- + Non-expiring points
- + 4 priority lounge visits/year
- + 2X rewards on travel/dining
Cons
- − ₹999 annual fee
- − Requires ₹50K spend to waive