Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#75 of 173 in credit

Yes Bank

YES FIRST Preferred Credit Card

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Travel & lifestyle rewards

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value24/100 · weight 65%

≈ 1.14% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +3.1% score bonus — earns broadly without narrow category restrictions.

Fee efficiency76/100 · weight 11%

Redemption flexibility86/100 · weight 8%

Perks10/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹2,999 + 18% GST
= ₹3,539 total
Annual fee: ₹2,999 + 18% GST
= ₹3,539 / year total
Forex markup: 1.75%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
online_spends	points	2.00%(8 pts @ ₹0.25)	—	2% online (estimated)
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
groceries	points	1.50%(6 pts @ ₹0.25)	—	1.5% groceries (estimated)
fuel	points	1.00%(4 pts @ ₹0.25)	—	1% fuel (estimated)
utilities	points	1.00%(4 pts @ ₹0.25)	—	1% utilities (estimated)
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Base earn rate

Point value by redemption mode

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

hotel/flight bookings	1 RP = ₹0.25
product catalogue	1 RP = ₹0.10
gift vouchers	1 RP = ₹0.10
statement credit	1 RP = ₹0.10
intermile / club vistara point	1 RP = ₹0.10

Welcome offer

10,000 reward points on first transaction within 90 days of card issuance

Milestone benefits

Spend ₹50,000 / quarterly: Joining fee waiver (if spent within 90 days)

Pros

Attractive reward rates and a variety of benefits across different lifestyle categories
Low foreign currency markup fee of 1.75%
Extensive lounge access benefits
Comprehensive insurance benefits, golf privileges, and discounts on movie bookings

Cons

A rewards redemption fee of ₹100 is charged on every reward point redemption request
Reward points for travel and dining are capped at 3,000 per month
High income criteria of ₹2 lakhs/month for salaried and ₹24 lakhs/year for self-employed

Insurance cover

air accident: ₹1,00,00,000
overseas hospitalization: ₹25,00,000

Eligibility

max age: 60
min age: 21
min annual income: ₹24,00,000
min monthly income: ₹2,00,000

Small print

Redemption fee: ₹100 / redemption