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Key Features & Benefits
- ✦12 YES Rewardz Points per ₹200 on travel, dining & international spends (1.5%)
- ✦6 YES Rewardz Points per ₹200 on all other spends
- ✦Unlimited complimentary domestic airport lounge access
- ✦6 complimentary international lounge visits per year (Priority Pass)
- ✦6 golf games/lessons per month at top courses
- ✦2.5% forex markup
- ✦Trip cancellation/curtailment insurance up to ₹50,000
- ✦Dedicated relationship manager
- ✦24×7 concierge services
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Welcome & Joining Benefits
- ✦Luxury travel & lifestyle vouchers worth ₹10,000+
Milestone Benefits
- ✦₹15L annual spend → ₹10,000 annual fee waived
Pros & Cons
✓ Advantages
- ✓Unlimited domestic lounge — no quarterly caps
- ✓6 golf rounds/month — best golf benefit on YES Bank cards
- ✓Dedicated RM — personalised service
- ✓Premium insurance and concierge
✗ Disadvantages
- ✗₹10,000 annual fee
- ✗Annual fee waiver needs ₹15L spend
- ✗1.5% reward rate is modest for a ₹10K card
- ✗2.5% forex vs 1.75% on MARQUÉE/RESERV
Frequently Asked Questions
Who is YES FIRST Exclusive for?
This card suits HNW individuals who value unlimited lounge access, extensive golf, and concierge service. The MARQUÉE outperforms it on reward rates but FIRST Exclusive wins on golf and concierge depth.
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