Route this card to travel and online spends first, then shift spillover transactions to stronger category alternatives
Skip it if
points-value realization depends on redemption choice and transfer use
For Users wanting a mid-tier YES card with rewards and travel balance. 0.4% on online spend. ₹999 fee, waiver at ₹1,50,000 / year. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why get it
Why you should get it
Users wanting a mid-tier YES card with rewards and travel balance
Balanced reward profile for daily spending
Moderate annual fee with waiver route
Suitable mid-tier YES ecosystem entry
Why skip it
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
Not a high-yield premium travel card
Best returns come from selected categories
Benefit terms can change with issuer updates
Annual Fee₹999Joining fee ₹999
Spend to Waive Fee₹1,50,000 / yearWaived on INR 1.5L annual spends
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹999
Joining fee ₹999
Fee waiver₹1,50,000 / year
Waived on INR 1.5L annual spends
Best return0.4%
Online spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹591after annual fee
Value covers the ₹999 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on online — 0.38% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Onlinebest earn
0.38%
Travel
0.25%
Basedefault
0.13%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mappedNo access
No airport-level lounge rows are currently listed.
Access ruleNo access
Policy override notes:
• No card-level parseable YES Bank lounge-row PDF is currently configured for this variant.
• Use YES issuer terms for latest spend criteria, visit caps, and network variant differences.
• Verify current YES First Preferred spend-linked lounge criteria before travel.
• Quarter/cycle caps can apply by card network and issuer program update.
• Guest access is usually program-dependent and may be charged unless explicitly included.
• If international access is offered, verify entitlement channel and caps in latest issuer terms.
Source snapshot maps to "YES First Preferred Credit Card" (0 lounges: 0 domestic, 0 international).
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourcePolicy fallback
Policy fallback: Policy-only fallback: no stable card-level airport-row PDF source is currently configured for YES Bank variants.
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Policy fallback: Policy-only fallback: no stable card-level airport-row PDF source is currently configured for YES Bank variants.
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for YES First Preferred Credit Card using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
Verify current YES First Preferred spend-linked lounge criteria before travel.
Quarter / cycle rule
Quarter/cycle caps can apply by card network and issuer program update.
Guest access
Guest access is usually program-dependent and may be charged unless explicitly included.
Priority Pass
If international access is offered, verify entitlement channel and caps in latest issuer terms.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
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Lounge locations
No airport-wise rows currently available
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹999
Annual fee₹999
Waiver threshold₹1,50,000
Cap typenone
Cap resetnone
Last verified2026-02-12
Redemption Truth
Cash value/pointNot listed
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12
Lounge Truth
NetworkMasterCard
Domestic count0
International count0
Quarterly limitNot listed
Airport-terminal rows0
Policy check2026-02-10
Reliability + Outcomes
Verification statusstale
Freshness days232
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is YES First Preferred Credit Card lifetime free?
It has an annual fee of ₹999. Waived on INR 1.5L annual spends
What rewards does YES First Preferred Credit Card offer?
Mainstream YES Bank rewards card with balanced usage categories.
Does YES First Preferred Credit Card include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider YES First Preferred Credit Card?
Users wanting a mid-tier YES card with rewards and travel balance
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
