YES First Preferred Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: YES Bank
Network: Visa | Tier: Premium
Lifestyle benefits
Why Choose the YES First Preferred Credit Card?
The YES First Preferred Credit Card is a Premium-tier Visa credit card issued by YES Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Professionals. With a reward rate of Reward points and an annual fee of ₹999, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome, which adds immediate value in the first year and helps recover the ₹999 joining fee.
YES First Preferred Credit Card Fees & Charges
| Annual Fee | ₹999 |
|---|---|
| Joining Fee | ₹999 |
| Interest Rate | 3.8% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
YES First Preferred Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | Welcome |
| Lounge Access | Lounge |
| Best For | Professionals |
Key Highlights of the YES First Preferred Credit Card
- Lifestyle benefits
- Reward points
- Lounge
YES First Preferred Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹4,00,000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the YES First Preferred Credit Card
- Balanced card
Drawbacks of the YES First Preferred Credit Card
- Moderate rewards
YES First Preferred Credit Card — Frequently Asked Questions
What is the annual fee of the YES First Preferred Credit Card?
The YES First Preferred Credit Card has an annual fee of ₹999 and a joining fee of ₹999. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.
Does the YES First Preferred Credit Card offer airport lounge access?
Yes — the YES First Preferred Credit Card offers Lounge.
Who is eligible for the YES First Preferred Credit Card?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the YES First Preferred Credit Card?
The YES First Preferred Credit Card earns Reward points. It is best suited for Professionals.
Credit Cards Similar to the YES First Preferred Credit Card
If you are considering the YES First Preferred Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.3/5