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YES FIRST Preferred Credit Card - NRI
Visa
YES FIRST Preferred Credit Card - NRI
YES Bank runs a dedicated NRI-banking track for its FIRST Preferred card, letting NRE/NRO account holders apply without India-based income documentation. The reward structure and lounge benefits track the domestic FIRST Preferred card closely.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
Complimentary domestic airport lounge access.
- 🛡️ Insurance
Air accident and lost card liability cover.
- 🛍️ Shopping
2% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Complimentary domestic airport lounge access.
- Air accident and lost card liability cover.
Pros
- + Dedicated NRI application channel
- + Lounge access included
- + Reasonable fee-waiver spend threshold
Cons
- − Standard forex markup applies
- − Requires an active YES Bank NRE/NRO relationship