CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Yes Bank

YES FIRST Preferred Credit Card

29
Ranked #95 of 170 in credit
creditVisa/MastercardMid-PremiumLegacy · discontinued

Yes Bank's discontinued mid-premium card offering a flatter, simpler reward structure across all categories with well-defined welcome/milestone bonuses and golf privileges — no longer available to new applicants; Yes Bank has effectively succeeded it with the RESERV card for new customers.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 0.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks46/100 · weight 9%

Fees

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

Joining fee
₹999 + 18% GST
= ₹1,179 total
Annual fee
₹999 + 18% GST
= ₹1,179 / year total
Waiver: Not fully detailed for this discontinued product; verify with existing cardholder documentation
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.50%(2 pts @ ₹0.25)—8 pts/Rs200 flat rate across most categories

Welcome offer

10,000-15,000 bonus reward points (range per source)

Milestone benefits

Pros

  • Well-defined welcome (10-15K points) and milestone (20K points on Rs7.5L spend) benefits — clearer structure than RESERV
  • complimentary golf privileges
  • lower fee (Rs999) than RESERV (Rs2,499) with a flatter, simpler reward structure across categories

Cons

  • DISCONTINUED — no longer issued to new customers per Yes Bank's own website (existing cardholders continue to receive renewed cards on expiry, but new applications are not accepted)
  • fewer lounge visits than RESERV (8 domestic + 4 international vs RESERV's 12+6)

What's inside

More benefits

  • Golf privileges

    Complimentary golf privileges at select courses (exact frequency not detailed in current sources)

    yearly. Advance booking required

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60; min income ~Rs6L p.a. indicative; available to NRIs

Small print

Redemption fee
₹100 / redemption
Fuel surcharge:Not detailed in current sources; verify at MITC