YES First Preferred Credit Card

Rewards

Rewards rate
4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purchase16 reward points per Rs. 200 spent on travel and dining spends
Reward redemption
1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Movie & dining
25% discount on movie booking through BookMyShow.
Travel
4 complimentary international lounge access per year and 2 domestic lounge access per calendar quarter.
Domestic lounge
2 Free Domestic Lounge Access Every Quarter (8 Each Year)
International lounge
You get 4 complimentary international lounge access every year through the Priority Pass.
Golf
4 complimentary green fee rounds annually.
Insurance
Life insurance of up to Rs. 1 crore in the case of death due to flight accidents and medical insurance of Rs. 25 lakhs for emergency hospitalization.

Spend-based waiver
The renewal fee can be waived off on a spend of more than 4 lakhs in the last year.
Rewards redemption fee
₹100 + GST
Foreign currency markup
2%
Interest rates
3.99% Per Month (47.88% Per Annum)
Fuel surcharge waiver
1% on Fuel Transactions Between ₹500 and ₹5,000
Cash advance charges
2.5% Or ₹650 (Whichever is Higher)

2 complimentary access to domestic lounges every quarter and 4 complimentary access to international lounges in a year.
4 reward points per Rs. 200 spent on Select categories: utilities, groceries, tax payments, insurance sales, etc.
8 reward points per Rs. 200 you spend on every other retail purchase.
16 reward points per Rs. 200 spent on travel and dining spends
Foreign markup fee of 2%
The renewal fee can be waived off if you spend over Rs. 4 lakhs in the preceding year.

Criteria	Salaried	Self-employed
Age	21 Years – 60 Years	21 Years – 60 Years
Income	Minimum Rs. 2,00,000 per month	Minimum Rs. 24,00,000 per annum (as per ITR)

How many Reward points earned through the YES First Preferred card equal 1 rupee?

1 Reward Point = ₹0.10. Hence, 10 Reward Points are equivalent to 1 rupee.

What is the reward redemption fee?

It is ₹100 for every redemption request.

What is the foreign currency markup on the YES First Preferred credit card?

The foreign currency markup fee applicable to this card is 2%.

How can I get my renewal fee waived?

The renewal fee can be waived off on spending over ₹4 lakhs in the previous year.