Yes Bank First Exclusive Credit Card

Joining Fee: Rs. 1999 + GST
Renewal Fee: Rs. 1999 + GST
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: N/A

Apply Now

Add to Compare

The First Exclusive credit card is a high-end offering by Yes Bank. It can be considered a direct competitor to HDFC’s most premium Infinia credit card. The card comes with complimentary access to both international as well as Domestic airport lounges. Apart from that, what makes this card such a lucrative offering in the premium segment is one of the lowest foreign currency markups by industry standards (1.75%). But that’s not it, since it is a very premium card, you also get many other benefits like 24×7 concierge service, complimentary rounds of golf, Priority Pass membership, and movie ticket bookings at a discounted rate. Read the article for further information about this card.

New Features

Spend Based Waiver

The Joining fee is waived on spending Rs. 75,000 in the first 90 days and the renewal fee is waived off if total spends reach Rs. 4 lakh or more in the previous year.

Interest Rates

2.99% per month (35.88% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

Nil

Fuel Surcharge

1% fuel surcharge is waived on all fuel purchases at all fuel stations across India for transactions between Rs. 400 and Rs. 5000 (waiver capped at Rs. 1000 per month).

Foreign Currency Markup

1.75% (plus applicable taxes)

Cash Advance Charges

2.5% (subject to a minimum of Rs. 300)

Movie & Dining

25% discount of movie tickets booked on BookMyShow (with a cap of Rs. 250 per month) and dining offers in select cities on the Yes Privileges portal. 24 Reward Points per Rs. 200 spent on dining and travel, capped at 5000 RPs per month

Travel

3 complimentary domestic airport lounge visits per quarter at select airports across India, 6 complimentary international lounge access (outside India) with Priority Pass membership and travel offers on the Yes Privileges portal.

International Lounge Access

6 complimentary airport lounge access outside India with membership to the Priority Pass Program.

Rewards Rate

6 Reward Points for every Rs. 200 spent on Selected category, 12 Reward Points on every Rs. 200 spent on all other transactions and 24 Reward Points per Rs. 200 spent on travel and dining

Golf

4 complimentary rounds of golf with green fee waived and 1 complimentary golf lesson per year at selected golf courses across the country under the MasterCardWorld Golf program.

Insurance Benefits

Insurance coverage worth Rs. 3 crore in case the cardholder’s life is lost due to an air accident, medial insurance worth Rs. 50 lakh in case of emergency overseas hospitalization and a Credit Shield cover (up to Rs. 10 lakh) against outstanding card dues in the unfortunate event of death of the primary cardholder.

Reward Redemption

Reward Points can be redeemed on the YesRewardz portal for hotel/flight/movie tickets booking and against purchases from the exclusive catalogue of products. Reward Points can also be redeemed against AirMIles (10 Reward Points = 1 InterMile / 1 Club Vistara Point).

Domestic Lounge Access

12 domestic lounge visits every year (3 per quarter) at select airports across India under the MasterCard Lounge program.

Zero Liability Protection

In the event of loss of the card, you won’t be liable for any unauthorised transaction after the time of reporting the loss to Yes Bank’s customer care.

Pros

No data available

Cons

No data available

Similar Cards

Add to Compare

Standard Chartered Ultimate Credit Card

Standard Chartered launched its Ultimate credit card in September 2017. It is the most premium card issued by the bank as of now. It should be the card of choice for individuals with a high income who want to enjoy an elite lifestyle without compromising with their lavish needs. This card is in direct competition with ICICI Bank Sapphiro credit card and HDFC Bank Infinia credit card Metal Edition. Earlier, the card was being offered in two variants- the Visa Infinite variant and MasterCard World variant; the former has now been discontinued, though. Since it’s a premium card, Standard Chartered offers some exclusive benefits to its customers, like, golf services, Priority Pass membership, etc; with this card. Considering all the international travel requirements of its customers in mind, Standard Chartered has also kept the foreign currency exchange rate at 2% (lower than the average fee of 3.5%) and offers 5% cashback on duty-free purchases at airports. As it is a Reward Points-based credit card, you get 5 Rewards on every Rs. 150 spent using this card, which can be redeemed against shopping vouchers or charity spends under the Standard Chartered 360° rewards program.

Add to Compare

AU Bank Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card can be considered a superior version of the Altura Credit Card. It comes with a joining fee of Rs. 499 and provides you with a gift voucher worth Rs. 500 as a welcome benefit. With this card, you can earn 1.5% cashback on all your POS retail spends and 2x reward points on online purchases. You can earn unlimited reward points as there is no maximum cap on them. Moreover, you also get an opportunity to earn 500 bonus Reward points every month on achieving the milestone spend. Along with its reward and cashback offers, this card also provides its customers with complimentary railway lounge access at selected railway stations in India. Other card benefits include a spend-based waiver of the joining & annual fee, a 1% fuel surcharge waiver, zero liability protection, etc. To know more about the features of this card, keep reading:

Add to Compare

HSBC Smart Value Credit Card

The HSBC Smart Value Credit Card is among the most popular lifetime free credit cards in the Indian market. It comes with a zero annual & joining fee and provides its customers with several exciting welcome benefits, including complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, up to Rs. 100 cashback on Google Pay, and up to Rs. 1,000 cashback on retail transactions within the first 60 days. Talking about its reward program, it earns you up to 3 Reward Points on every spend of Rs. 100. These reward points can be redeemed against an array of options available at the HSBC Rewards catalogue. However, you don’t get many premium benefits with this card, but it can still be considered a great option for people who are new to the world of credit cards. Another great thing about this credit card is that it comes with a dynamic interest rate which can be 1.99% per month to 3.49% per month depending on the credit history of different individuals. You might get a lower interest rate if you have a very good credit profile and higher if your credit score is low. To understand the detailed features & benefits of the HSBC Smart Value card, and its fees & charges, go through the complete article:

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all