← Part of Yes Bank Credit Cards in India
The YES First Exclusive Credit Card, now known as the YES RESERV Credit Card, offers benefits worth over ₹1,30,000 annually for high-spenders in India. This super-premium card provides a preferential foreign currency markup of 1.75% and an attractive interest rate on revolving credit at 1.99% per month.
| Parameter | Details |
|---|---|
| Card Name | YES First Exclusive Credit Card (now YES RESERV Credit Card) |
| Card Type | Super-premium Credit Card |
| Issuing Bank | YES Bank (established 2004, Mumbai) |
| First Year Fee | LIFETIME FREE OFFER (for YES First Exclusive variant) |
| Joining Fee (RESERV variant) | ₹2,499 + applicable taxes |
| Joining Fee Waiver (RESERV variant) | Waived on spending ₹40,000 within 30 days of card setup |
| Annual Fee (RESERV variant) | ₹2,499 + applicable taxes |
| Annual Fee Waiver (RESERV variant) | Waived on meeting specified spending threshold (check with bank) |
| Interest Rate on Revolving Credit | 1.99% per month (23.99% annually) or 2.99% per month (35.88% annually) |
| Foreign Currency Markup | 1.75% + taxes on all international transactions |
| Cash Advance Fee | 2.5% of amount withdrawn (minimum ₹300) |
| Late Payment Charges | 10% of total due (capped at ₹1,350 on statement balances above ₹500) |
| Welcome Bonus | Amazon voucher worth ₹500 on spending ₹1,000 within 30 days |
| Reward Points (General Spends) | 12 points per ₹200 spent on all categories |
| Reward Points (Travel/Dining) | 24 points per ₹200 spent on tour/travel operators, domestic airlines, or dining |
| Annual Bonus Reward Points | 25,000 points on spends of ₹20,00,000 in an anniversary year |
| Bonus Rewards on YES PayNow | 1,000 points on registration |
| Fuel Surcharge Waiver | 1% on transactions between ₹500 and ₹4,000 at fuel stations (capped at ₹500/month) |
| Lost Card Liability Cover | Up to ₹15 lakh to ₹30 lakh |
| Credit Shield Cover | Up to ₹15 lakh in case of accidental death of primary card member |
| Overseas Emergency Hospitalization Cover | ₹50 lakhs |
| Additional Cards | Up to three for spouse, parents, siblings, and children over 18 years |
| CIBIL Score Preference | 750 or above for quick approval and better rates |
| Minimum Net Salary (RESERV variant) | ₹2,00,000 per month |
| Minimum ITR (RESERV variant) | ₹18,00,000 per annum |
The YES First Exclusive (now RESERV) Credit Card caters to affluent individuals seeking premium travel, dining, and lifestyle benefits, with significant reward points and low foreign currency markup.
Exclusive Card Benefits & Features
The YES First Exclusive Credit Card, now known as YES Reserv, offers benefits valued at over ₹1,30,000 annually, including unlimited lounge access and accelerated reward points. IT provides a low foreign currency markup of 1.75% and an attractive interest rate of 1.99% per month on revolving credit.
| Type/Category | Details | Key Feature |
|---|---|---|
| Lounge Access (Domestic) | Unlimited complimentary Airport Lounge access at airports in India through Mastercard lounge program for Primary & all Add-on cardmembers. | Unlimited Domestic Lounge Access |
| Lounge Access (International) | Unlimited complimentary Airport Lounge access outside India through Priority Pass Membership for Primary & all Add-on cardmembers. | Unlimited International Lounge Access |
| Foreign Currency Markup | Preferential Foreign Currency Markup of 1.75% only on all international transactions. | Low Forex Markup Fee |
| Interest Rate on Revolving Credit | Attractive Interest rate on Revolving Credit of 1.99% per month (23.88% annually). | Low Interest Rate |
| Additional Cards | Get up to three additional YES Bank credit cards for your spouse, parents, siblings, and child over 18 years. | Family Add-on Cards |
| Fuel Surcharge Waiver | The convenience fee on purchases (between ₹500 and ₹4,000) is waived at all refill stations across India (maximum benefit capped at ₹500 per month). | Fuel Surcharge Waiver |
| Reward Points (General Spends) | Get 12 reward points on each ₹200 spent on all categories. | High Reward Rate |
| Reward Points (Accelerated) | Get 24 reward points on each spent of ₹200 on tour and travel operator, domestic airlines, or dining. Offers accelerated earnings on online spends and rewards on often-excluded categories like insurance and utilities. | Accelerated Rewards on Specific Categories |
| Bonus Reward Points | Annual Bonus of 25,000 Reward Points on spends of ₹20,00,000 in an anniversary year. | Milestone Bonus Rewards |
| Golf Benefits | One complimentary Golf Lesson every calendar month at select golf courses in India. | Complimentary Golf Lessons |
| Welcome Bonus | Amazon voucher worth ₹500 on spending at least ₹1,000 within 30 days of card setup. | Joining Perk |
| Overseas Emergency Hospitalization | Cover of ₹50 lakhs for emergency hospitalization while abroad. | Travel Insurance |
| Lost Card Liability | Coverage up to ₹15 lakh to ₹30 lakh against fraudulent transactions after reporting card loss. | Fraud Protection |
| Credit Shield Cover | Coverage up to ₹15 lakh in case of accidental death of the primary card member. | Accidental Death Benefit |
| Bonus Rewards (YES PayNow) | 1,000 bonus reward points on YES PayNow registration. | Digital Payment Incentive |
The card’s full benefits, from travel perks to accelerated rewards on specific spending categories, position IT as a premium offering for high-spending individuals in India.
Fees, Charges & Reward Structure
The YES First Exclusive Credit Card (now often referred to as YES Reserv) offers a lifetime free option for the first year, with a preferential foreign currency markup of 1.75%. Revolving credit interest rates are competitive, starting at 1.99% per month.
| Metric | Value (INR) | Details |
|---|---|---|
| First Year Fee | LIFETIME FREE OFFER | Applicable for the YES First Exclusive Credit Card. |
| Joining Fee (YES Reserv) | ₹2,499 + applicable taxes | Waived if ₹40,000 or more is spent within the first 30 days. |
| Annual Fee (YES Reserv) | ₹2,499 + applicable taxes | Waived on spending a certain amount (specifics vary, verify with lender). |
| Foreign Currency Markup | 1.75% + taxes | Preferential rate on all international transactions for YES First Exclusive/RESERV. |
| Interest Rate on Revolving Credit | 1.99% per month | Equivalent to 23.88% annually (for YES Reserv, previously YES First Exclusive). |
| Interest Rate on Revolving Credit | 2.99% per month | Equivalent to 35.88% annually (for YES First Exclusive). |
| Cash Advance Fee | 2.5% of amount withdrawn | Minimum charge of ₹300 per transaction. |
| Late Payment Charges | 10% of total due | Capped at ₹1,350 on statement balances above ₹500. |
| Fuel Surcharge Waiver | 1% | On transactions between ₹500 and ₹4,000 at all fuel stations in India, capped at ₹500 per month. |
| Reward Points on Online Shopping | 24 points per ₹200 | Applicable for selected categories on the YES Reserv Credit Card. |
| Reward Points on Offline Shopping | 12 points per ₹200 | Applicable for selected categories on the YES Reserv Credit Card. |
| Reward Points on Other Categories | 6 points per ₹200 | Applicable for the YES Reserv Credit Card. |
| Annual Bonus Reward Points | 25,000 Reward Points | Awarded on spends of ₹20 lakh in an anniversary year (for YES First Exclusive). |
| Renewal Benefit | 8,000 Reward Points | Received upon payment of renewal charges (for YES Reserv, previously YES First Exclusive). |
| Reward Point Redemption Fee | ₹100 per request | For catalogue products; some premium cards may waive this fee (as of January 2026). |
| Card Validation Charge | ₹2 | Non-refundable charge for airport lounge access validation on some YES Bank credit cards. |
The card’s fee structure emphasizes waivers for active users, particularly for annual fees and fuel surcharges, making IT cost-effective for high-spending individuals.
Eligibility Criteria & Documents
To qualify for the YES First Exclusive Credit Card in 2026, applicants must be Indian residents aged 21 to 60 years with a stable income. A CIBIL score of 750 or higher significantly improves approval chances and access to better terms.
- Age Requirement: Primary cardholders must be between 21 and 60 years old. Add-on cards are available for family members over 18 years.
- Residency Status: Applicants must be Indian residents to be eligible for this credit card.
- Employment Status: Both salaried and self-employed individuals can apply, provided they meet the bank’s income criteria.
- Income Profile: A stable income profile is , though specific minimum income details are set by the bank.
- CIBIL Score: A CIBIL score of 750 or above is generally preferred for quick approval and competitive interest rates.
- Existing Relationship: An existing banking relationship with YES Bank can sometimes support applications with slightly lower CIBIL scores.
- Proof of Identity: Valid documents include an Aadhaar Card, Passport, Voter ID card, or Driving License.
- Proof of Address: Acceptable documents are Aadhaar Card, Passport, Voter ID card, or Driving License.
- Proof of Income: Latest salary slips, Income Tax Returns (ITR), or recent bank statements are required.
- PAN Card: A Permanent Account Number (PAN) card is mandatory; Form 60 can be submitted if a PAN card is unavailable.
Meeting these criteria and providing the necessary documentation streamlines the application process for the YES First Exclusive Credit Card.
How to Apply for the Card
Applying for the YES First Exclusive Credit Card in 2026 involves a straightforward online or offline process. Applicants must be Indian residents aged 21 to 60 years with a stable income profile to be considered.
The application typically requires submitting identity, address, and income proof documents to YES Bank.
- Check Eligibility: Confirm you meet the age criteria (21-60 years) and have a stable income, with a preferred CIBIL score of 750 or above for faster approval.
- Gather Documents: Collect necessary documents including your PAN card, Aadhaar card, salary slips, and recent bank statements.
- Online Application: Visit the official YES Bank website and to the YES First Exclusive Credit Card section. Fill out the online application form with accurate personal and financial details.
- Offline Application: Alternatively, visit your nearest YES Bank branch. A bank representative will assist you with the application form and document submission.
- Document Submission: Upload scanned copies of your documents for online applications or submit physical copies at the branch.
- Verification Process: YES Bank will verify your submitted documents and assess your creditworthiness. This may include a CIBIL score check and income verification.
- Approval and Dispatch: Upon successful verification and approval, your YES First Exclusive Credit Card will be dispatched to your registered address.
Ensure all information provided is accurate to avoid delays in the application process.
YES First Exclusive Vs. Alternatives
The YES First Exclusive Credit Card is a super-premium offering from YES Bank, competing directly with other high-end cards like HDFC Regalia Gold and YES First Preferred. IT provides unlimited complimentary lounge access both domestically and internationally, a key differentiator for frequent travelers.
As of 2026, the card offers a preferential foreign currency markup of 1.75%, lower than many standard credit cards, making IT suitable for international transactions.
| Feature | YES First Exclusive | HDFC Regalia Gold | YES First Preferred |
|---|---|---|---|
| Card Type | Super-premium Credit Card | Premium Credit Card | Premium Credit Card |
| Foreign Currency Markup | 1.75% + taxes | 2% (for HDFC Regalia) | 2% (for YES Reserv) |
| Domestic Airport Lounge Access | Unlimited complimentary (Mastercard lounge program) | 3 visits per calendar quarter (on spending ₹60,000+) | Not specified |
| International Airport Lounge Access | Unlimited complimentary (Priority Pass Membership) | 6 complimentary visits per calendar year (Priority Pass) | 6 complimentary visits per calendar year (Priority Pass) |
| Reward Points on General Spends | 12 reward points on every ₹200 spent | Same as Regalia (Gold Catalogue offers higher redemption value) | Higher reward rates than HDFC Regalia |
| Annual Fee | ₹2,499 + taxes (waived on ₹40,000 spend in 30 days) | ₹2,500 (approx) | ₹2,499 + taxes (for YES Reserv, waived on ₹40,000 spend in 30 days) |
| Interest Rate on Revolving Credit | 2.99% per month (35.88% annually) | Not specified | 1.99% per month (for YES Reserv) |
| Minimum Net Salary (Salaried) | ₹2,00,000 per month (for RESERV variant) | Not specified | Not specified |
| Minimum ITR (Self-employed) | ₹18,00,000 per annum (for RESERV variant) | Not specified | ₹10,00,000 (for YES First Business) |
| Welcome Bonus | Amazon voucher worth ₹500 (on ₹1,000 spend in 30 days) | Not specified | Not specified |
| Annual Bonus Reward Points | 25,000 on spends of ₹20,00,000 in an anniversary year | Not specified | 8,000 on renewal charges (for YES Reserv) |
| Overseas Emergency Hospitalization Cover | ₹50 lakhs | Not specified | Not specified |
The YES First Exclusive card distinguishes itself with unlimited lounge access and a competitive foreign currency markup, catering to high-net-worth individuals and frequent international travelers.
Maximizing Card Value: Tips
The YES First Exclusive Credit Card offers benefits worth over ₹1,30,000 annually, making strategic use for high-spenders. Understanding its reward structure and fee waivers helps optimize savings and maximize premium perks.
- use Accelerated Rewards: Earn 24 reward points per ₹200 spent on dining, domestic airlines, and tour/travel operators, double the base rate of 12 points on other categories.
- Meet Annual Spend Thresholds: Achieve ₹20 lakh in annual spending to receive 25,000 bonus reward points, significantly boosting your overall rewards.
- Utilize Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, capped at ₹500 per month.
- Maximize Lounge Access: Use the unlimited complimentary airport lounge access in India (via Mastercard) and 6 international lounge visits (via Priority Pass) for significant travel savings.
- Register for YES PayNow: Enroll in YES PayNow to receive 1,000 bonus reward points, your initial rewards.
- Redeem Points Strategically: Transfer reward points to partner airline programs like Air India Maharaja Club at a 15:1 conversion ratio for travel benefits.
By focusing on these specific actions, cardholders can unlock the full potential of the YES First Exclusive Credit Card’s premium offerings.
Key Takeaways
- The YES First Exclusive Credit Card provides over ₹1,30,000 in annual benefits for high-spending users.
- Cardholders earn 24 reward points per ₹200 on specific categories like dining and travel, and 25,000 bonus points for ₹20 lakh annual spend.
- The card offers unlimited domestic and 6 international airport lounge accesses, alongside a 1.75% preferential foreign currency markup.
Review the detailed terms and conditions on the official YES Bank website before applying to ensure the card aligns with your spending habits and financial goals.
Frequently Asked Questions (FAQs)
What are the main benefits of the YES First Exclusive Credit Card in 2026?
The YES First Exclusive Credit Card offers unlimited complimentary airport lounge access in India and abroad, a preferential foreign currency markup of 1.75%, and a low interest rate on revolving credit of 1.99% per month. IT also provides accelerated reward earnings on online spends and on categories like insurance and utilities.
What is the foreign currency markup fee for the YES First Exclusive Credit Card?
The YES First Exclusive Credit Card features a preferential foreign currency markup of 1.75% on international transactions. This is significantly lower than the standard 3.5% to 4% charged by many other credit cards in India. This benefit applies to all primary and add-on cardmembers.
Does the YES First Exclusive Credit Card offer airport lounge access?
Yes, the YES First Exclusive Credit Card provides unlimited complimentary airport lounge access. This includes domestic lounges in India via the Mastercard lounge program and international lounges through a Priority Pass Membership for primary and all add-on cardmembers.
What is the eligibility criteria for the YES First Exclusive Credit Card in 2026?
While specific income thresholds vary, applicants generally need a strong CIBIL score, ideally 750 or above, for quick approval. YES Bank also considers factors like employment stability and existing banking relationships. You must be an Indian resident and meet the bank’s minimum age requirement, typically 21 years.
Can I get add-on cards with the YES First Exclusive Credit Card?
Yes, you can get up to three additional YES Bank credit cards for your family members. These can be issued to your spouse, parents, siblings, and children over 18 years of age. Add-on cardmembers also receive unlimited complimentary international airport lounge access.
What is the interest rate on revolving credit for the YES First Exclusive Credit Card?
The YES First Exclusive Credit Card offers an attractive interest rate on revolving credit of 1.99% per month. This translates to an annual interest rate of approximately 23.88% if the outstanding balance is not paid in full. This is a competitive rate for a super-premium credit card in India.
How do reward points work with the YES First Exclusive Credit Card?
Reward points earned on the YES First Exclusive Credit Card can be redeemed via the Yes Rewardz portal for products, shopping vouchers, and hotel stays. You can also transfer reward points to partner airline programs, such as Air India Maharaja Club, at a conversion ratio of 15:1 (as per 2025 data).
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.