Yes First Preferred Credit Card Review by Manish

By | September 13, 2016

This is a review by our reader Manish R Khetwani who recently got hands on Yes First Preferred Credit Card.

Yes Bank recently launched its own Credit Card portfolio (earlier they used to offer Amex Co-branded Cards), the last of the major Private Sector banks to do so. They have 7 variants (2 under the Yes First & 5 under the Yes prosperity proposition). The best among them is the Yes First Preferred Card reviewed below. They also offer the Yes First Exclusive Card, but as the name suggests it is for only the top few.

I recently applied for the Preferred Card, and the Card along with the Priority Pass was delivered in one of the best packing I have seen for any Credit Card (ScreenShot Attached). The name/number print embossing on the Card is of very good quality, and probably would not get worn out as easily as the print embossing on some other cards.

Yes First Box

Yes First Box

Reward Points on Yes First Preferred Credit Card

The Yes Bank Preferred Card offers 8 points for every Rs. 100/- spent. Considering the reward point value (1 RP = 0.25), it works out to 2% savings on all card spends (Except fuel, where you get fuel surcharge waiver), which puts it at par with HDFC Regalia/ Diners Premium. Also a milestone feature of 20000 RPs on spends of Rs. 7.5 Lakhs in a year, which works out to a saving rate of approx. 2.7% for spends of Rs. 7.5 Lakhs

Interest Rate & FCY Markup Fee

The distinguishing feature of this card is the lowest interest rate of 1.2 % per month (14.40% annually) on revolving balances for Yes Bank Customers. For non-bank customers interest rate is 1.99% per month (23.88% annually. Also a preferential Foreign currency mark-up fee of 1.75% on all international transactions, which is again the lowest in the industry (compared to the general average of 3.5% except for a few top HDFC Cards).

Yes First Preferred Card

Yes First Preferred Card

Lounge Access

Complimentary priority pass with 4 complimentary lounge access in a calendar year, and complimentary access (3 per quarter) for the MasterCard Lounge access programme.

Other features

Contactless technology (NFC), Golf benefits, 25% discount on movie ticket bookings on BookMyShow (capped at Rs. 250 per month), Rewards Portal for booking flights, hotels & movies), Concierge Services & Insurance Coverage.

Joining / Renewal Fee

Joining rewards of 15,000 Reward Points against fee of Rs. 2,500 in the first year and Rs. 2,500 Renewal fee which is compensated by 10,000 Reward Points from the second year onwards. However, joining fee is waived for the 1st year for applications upto Oct. 30th 2016.

Note: You can apply for this credit card through “Card on Card” basis for which you need 2L Limit on your other credit card & the card should be minimum 12 months old.

Pros & Cons

Pros: Best for those who revolve balances & spend on Foreign Currency Transaction
Cons: As recently introduced, still to launch its mobile interface for cards

Cardexpert Rating: 4.5/5

120 thoughts on “Yes First Preferred Credit Card Review by Manish

  1. Captain Bishuddha Bharatiya

    What are the requirements to get a ( any ) credit card from Yes Bank ?

    Reply
    1. MANISH R KHETWANI

      The eligibility for the various variants are mentioned on the website with Income requirements varying from Rs. 5.5 Lakhs for the lowest variant to Rs. 50 Lakhs for the Yes First Exclusive Card. As a limited period offer, all Yes Prosperity Cards are being offered life time free, and first year fee waiver for the Yes First Preferred card.

      Reply
      1. Prashant Agrawal

        That’s indeed great packing, not something you see often in Indian cards.

        I couldn’t find anything on cards being Life Time Free on the website. Any link? I’m planning to do a card-to-card.

        Reply
        1. Siddharth Post author

          For Card on Card,
          you need 3L Limit on your other credit card & the card should be minimum 12 months old.

          Reply
  2. Nandhakumar

    1.Eligibility for this card
    2.if u r apply card to card Base for this card

    Reply
    1. Siddharth Post author

      Most banks should be fine to issue to the card if you can convince the manager about your net worth or simply by depositing few Lakhs 😉

      Reply
      1. MANISH R KHETWANI

        Siddharth, I agree with you that banks prefer issuing cards to their customers especially if you have a good relationship with the bank.

        Reply
    2. MANISH R KHETWANI

      The eligibility for this Card (Preferred) is mentioned as Rs. 18 lakhs. But you can also apply on Card on Card Basis for all Cards except for the Yes First Exclusive Card. For the preferred card, you need to hold a higher limit card from any other bank.

      Reply
      1. Captain Bishuddha Bharatiya

        Thanks Mr. Siddharth and Mr. Manish your answer was very helpful.

        Reply
      2. Captain Bishuddha Bharatiya

        Mr. Manish you please answer following questions :-
        1. If I open a Yes First account and I maintain Average Monthly Balance of Rs. 1 lakh than will I be offered a credit card and if yes than after how many months can I expect it.
        2. When you applied for the card have they asked you to submit income proof.
        3. Will they give Yes First Preferred Credit card against fixed deposit.

        Reply
        1. Manish R Khetwani

          Captain Bishuddha,

          1. If you open a Yes First account, you will definitely be offered the Card.
          2. Income proof will have to be submitted either in ITR copies or on Card on Card Basis with higher limit.
          3. I am not sure about the Card against FD basis for this card. You can inquire on this with the Branch or with Customer Care .

          Reply
        2. Chaitanya Varma

          Hi Captain Bishuddha Bharatiya,

          Any info on how much FD required for this card?

          Reply
          1. kkk

            You need to have at least 5L FD for Yes First Preferred Credit card.
            Limit will be 4L.

  3. Sayan Das

    The fee waiver bit is true. However you do not get the 15k joining bonus points if you avail the waiver.

    Reply
    1. Vijay Rathi

      In that case let bank charge annual fees.. As 15000 points turns out to be 3750INR.. I.e. Net saving of 1250INR.

      Reply
      1. Siddharth Post author

        I guess you’ll be paying 2500+15% tax on that. Also, where you utilize these points matters a lot.

        Reply
        1. The Big O

          how do you utilize these reward points properly to ensure you got your money’s worth?
          I was told today that for one time payment of 2500 rs, they will provide 15k reward points every year ( no need to pay renewal fee next year).

          Reply
  4. Saurabh Singh

    Can you get a cash redemption for the reward points earned on this credit card? I got a call from my yes bank branch offering me this card for lifetime free offer.

    Reply
      1. Vinod Kannan

        What if My limit on the other bank card is 2,97,000? ? Am I still eligible for this card if my limit is 3000 short of 3 lakhs?

        Reply
        1. Siddharth Post author

          They would certainly consider it as an exception. Give it a try.

          Reply
  5. Vinod Kannan

    Could someone refer me to an Executive from Yesbank for this card? Im from Chennai .

    Reply
  6. v j

    if we apply on card on card basis what credit limit they offer in new card ? for ex. What if limit on the other bank card is 3.2L ?
    Any other bank which providing credit card on card with no annual fee and regular credit limit enhancement ?

    Reply
    1. Rakesh

      try indusind contact number 9594627086 in mumbai got Platinum Credit Card lifetime free card on card

      Reply
  7. MSJ

    Hi,
    I hold the Citi Indian Oil with limit of 4.5L and Amex Travel Platinum with a limit of 90K.
    I mainly spend on utilities, shopping (offline and online) and restaurants.
    I`m planning on cancelling the Amex as i dont get much use out of it.(not much travelling happening recently)

    Which card do you thing i should go for. I`m confused b/w Yes Preferred and HDFC Regalia. Both are looking good !
    Help Needed Please !!!

    Reply
    1. Siddharth Post author

      Yes preferred is better if you’re eligible for it. Regalia is equally good, why not both? 😉

      Reply
  8. Prashant Laxman

    “Complimentary priority pass with 4 complimentary lounge access in a calendar year, and complimentary access (3 per quarter) for the MasterCard Lounge access programme.”

    What does the mastercard Lounge Access programme entail us to. And what does the complimentary lounge access entail us to?

    Reply
  9. Abhishek

    Hi,

    If you are an Yes bank Savings account holder and apply on Card on Card (which is now 2L), they are waiving all fees and it is completely free.

    I got it same way.

    By the way great blog, i have approx 8 credit cards and i also use my credit card for expenses based on where i get best offers.
    For example, i pay all LIC policies via smartPay in HDFC and get lifetime 1% cashback and they are standing instructions.. So i save almost 8oo per year..

    I think in india we need more blogs like this so that people know and enjoy the rewards.

    Reply
    1. Siddharth Post author

      That Sounds good.
      Even I added LIC premium to Smartpay and it said 10X points on my Diners Black. That’s 33% savings on the LIC premium. Lets see if it really works. Will know in a month time.

      Reply
        1. Siddharth Post author

          LIC payment not being charged as its past due date. Let me wait and see for sometime.

          Reply
  10. Saurabh

    Just received the card packaging is great, however the limit offered is very less have applied card on card with HDFC Regalia having credit limit of 6lacs plus however the limit offered by yes bank is 1 lacs really shocking.

    However good part is its LTF so we wait for six months and apply for a limit enhancement.

    Reply
    1. Ar Arbit

      When we apply for card on card, do we have to surrender our previous card or we can keep continue both the cards?

      Reply
      1. vamsi

        I finally got the card today after FIGHTING with the bank for two long months. They were initially not ready to give me a card because I am self employed. I already hold 10 cards with other banks 😀

        Reply
        1. SKG

          Hi Vamsi,

          What was the fight about and why were they not offering your initially ? Please write some lines about it so that other readers can also benefit from your experience.

          Reply
  11. Ravi

    Hi Sid…do I get the same 8 points per 100 rs for LIC payments made via Yes First preferred credit card?…Secondly, which is the best credit card for LIC payments?

    Reply
    1. Siddharth Post author

      Yes, very likely.
      Diners cards giving 10X points on smartpay for all bil payments including LIC. The Best.

      Reply
  12. Saurabh

    had submitted docs on 28Dec16 approved on 04Jan17 got in hand on 06Jan17
    very fast processing considering it was new year week

    Reply
    1. Suhas

      Hi Saurabh,

      Do you receive a msg for card approval and dispatch? Or we need to call the CC to know the status? I applied for the preferred card on 12th Jan . Got verification calls and house visit last week but no communication after that.

      Reply
      1. Suhas

        Got my card delivered today . Had applied in Card on Card basis using my HDFC ALL MILES card .

        The packaging of the card was awesome as though it was gift pack.

        Felt the limit was low . It is only 1 lac . My limit on the ALL MILES card was 2.1 lacs

        Reply
        1. Captain Bishuddha Bharatiya

          Suhas congrats. How old was you All Miles Card and what are the documents you submitted ?

          Reply
        2. Aashish

          HI Suhas,

          How did u applied card to card (offline going to branch or online or email ?) and did u have any prior relationship with bank ?

          Reply
  13. Mahesh

    Hi I applied for the card on 8th of Jan, on 12th received a call from the document collection dept verifying my address. I called on 23rd to 18001036000 number to check the status and provided my application form number YBLxxxx, they could not find my application, he said they will send a email to sales team to call me. Yet to receive a call, do you guys have any other number to contact them or email id.

    Reply
  14. Sahil

    Hi siddharth,
    I had applied for this card on Card to Card basis. The limit on my other Card is 2.5 lacs and the bank said itself offered me to apply for this card. Now the application has been rejected for no reason. Is it difficult to get this card??? Or worth it.

    Reply
      1. Sahil

        Yes, my cibil is very good…with no delays ever. I don’t know why the card has been rejected. Should I apply again. Is it worth applying?

        Reply
        1. Siddharth Post author

          No, it hurts the CIBIL score. Try to find why was it rejected.

          Reply
  15. Prashant Gupta

    same here i applied for exclusive card, the branch says the status is showing OK, but they cannot locate my file, when i called the cc they said application rejected will know the reason in the letter they will send.Surprisingly the Sales rep got the bonus for my application,he is also clueless.

    Reply
  16. Robert Poddar

    Hi Siddharth

    I am curious to know whether there’s any credit card which has a tie up with low cost airlines?

    Reply
    1. Siddharth Post author

      Amex Platinum travel card with Indigo as vouchers. Check the review for more detail 🙂

      Reply
  17. Rahul

    In official site they have mentioned,

    8 Reward Points on every INR 100 retail spends(c)
    and
    (c) – Only applicable for retail transaction. Not applicable for Fuel Transactions

    So I want to confirm that If I send money using PayPal to outside India in USD (of course I will be charge currency conversion + paypal fee etc.), But Do I get 8 RPs per 100 INR?

    Waiting for reply.

    Reply
  18. Rahul

    A silly question,
    I have VISA CC from SBI ELITE that works perfect on PayPal.

    Does credit card with MasterCard branding works on PayPal?
    Best,

    Reply
  19. Praveen Perumalla

    Today the YES bank executive came over to collect the documents. He said that there is no LTF option for this card. They can only give it free for the first year only. No LTF even when applied using card-on-card basis. It is LTF only if you have a YES bank account. Is this true?

    Reply
    1. Siddharth Post author

      I don’t think so. On other hand, they might have changed the offer as well.

      Reply
      1. Praveen Perumalla

        Ok. But pratically with the rewards points they are giving after the first swipe and for renewal which are equivalent to the fee, it looks like it doesn’t matter whether we get the card with membership or LTF. Is this correct or did I miss considering any charges ?

        Reply
          1. Praveen Perumalla

            Got my card today and it is LTF (Don’t know how after the RM denied that option).

            The embossing though is of bad quality. It is flat print like how it is for debit cards and not a raised embossing. I don’t know if this is cost cutting but not the best option for their premium card.

          2. Siddharth Post author

            Congrats on the New card!
            They might be testing few things, we need to give them some time to upgrade their quality and service 🙂

  20. Jay

    Just my 2 cents..
    I started using this card for most of my overseas spends since it had a lowest markup fee of 1.75%. However I noticed that their conversion rates are too high compared to HDFC or SBI. Having 2% markup fee on my HDFC Regalia works out cheaper compared to Yes Bank card.

    If anyone notices the same, please confirm

    Reply
    1. Shivi

      Will it be possible for you to make a foreign currency transaction of the same amount with both HDFC and Yes cards & then compare? Also, do note that the rates of Visa and MasterCard (Not the banks) vary marginally.

      Reply
      1. Jay

        I have already done it. I did pay for a merchant using PayPal same time using both the cards for two separate transactions. I used Bank Conversion rates and not PayPal’s. However Yes Bank transaction amount was like Rs. 14 more compared to HDFC even though Yes Bank Card had lower markup fee.

        Reply
  21. Sahil

    Hi siddharth,

    I had applied for the card again and this time it has been issued to me. But the limit issued is only 1.5 lacs which is even lower than my Citibank card.

    Reply
    1. Praveen Perumalla

      A similar case with me too. I have 3.65L limit on two other cards but got only 1.75L on my preferred card.
      But I’m not worried about it. I’ll do decent spends and ask for a limit increase in 6 months.

      Reply
  22. Anuj Karwa

    Is the lifetime free credit card offer still going on for yes bank credit cards?

    Reply
    1. Praveen Perumalla

      Yes. I got one 10 days back and and it is LTF.

      Reply
    2. Vineet

      As per their website, they have removed LTF variant now. Still you can check with local bank for the confirmation.

      Reply
  23. urluck

    YES BANK IS NOT ISSUING CREDIT CARDS IN AHMEDABAD YET.
    CALL CENTRE SAYS, YOUR PIN CODE IS NOT IN OUR SERVICE AREA YET.
    ANYONE HAS ANY IDEA ?

    Reply
    1. Siddharth Post author

      Yes, they’re adding more locations from time to time.

      Reply
  24. ravi

    Hi ,

    My yes bank credit card due date was 3rd. I paid using pay with other banks option on 1st April amount amount didnt get reflected till now. They are saying it will take 3 working days. I read a RBI circular that no interest or penalty can be levied if the payment is done withing 3 days. Are the banks following this? or do i need to pay penalty in this case?

    Reply
    1. Siddharth Post author

      If they charge, ask for reversal citing the same.

      Reply
  25. Arjun

    I put up my application for Yes First Preferred card today and have been offered the life time variant, since I meet the eligibility criteria.
    I currently have Regalia (LTF) with a limit of 3.5L. Given the recent de-valuation of Regalia, should I switch my spends to the Yes First Preferred card or continue using Regalia as primary ?

    I have banking relations with HDFC (SavingsMax account and loans). No other banking relation with Yes Bank. I would like to ultimately upgrade to Infinia or Yes First Exclusive in a year or two. Keeping that in mind, how should I plan my spends?

    Reply
    1. Siddharth Post author

      For Infinia, spends alone doesn’t count. lot other factors are there as discussed in the respective article.
      Yes preferred is still good for all spends as long as you get max value from points.

      Reply
  26. Nandkishor K

    I recently got a bump in credit limit to Rs 2 lac rupees on my HDFC credit card last month. For getting this card basis card on card, should i be having Rs 2 lac credit limit for 12months or credit history with HDFC for 12 months with lower limit is also enough?

    Reply
    1. Deven walia

      +1. Have Diners premium with 2L CL, card is 8 months old but new CL is a week old.

      Reply
      1. Siddharth Post author

        Credit history with HDFC for 12 months + 3L limit is required now.

        Reply
        1. Deven Walia

          Damn! I believe CC owning date is considered & not CL (==3L) date.
          Anyway, thanks.

          Reply
  27. Mahesh

    Hi Sid,

    Whats the difference between Yes First and exclusive?

    Thanks for the help!!

    Reply
    1. Siddharth Post author

      Its actually “Yes first Exclusive” – single term.

      Reply
  28. Sambhav Sharma

    The Yes First Preferred credit card is life time free as of now(June 13, 2017) as stated on their website.

    I have applied for this card on a card on card basis with my HDFC Allmiles card with limit 3.25L, though I also meet the salary criteria, which they asked for in the verification call (no documents asked for salary)
    I received a call today for verification and card is under process. I am looking forward to receiving the card in case this is approved!

    Reply
    1. Sambhav Sharma

      I received the card today. The packaging is amazing, though there is no embrossing on the card.

      Reply
      1. Sambhav Sharma

        Though the limit on my card is just 80k while my AllMiles card has 3.25L. Maybe because I hold multiple different cards, I can’t say exactly why. Anyways reading the comments, I see that people generally have lower limits.

        Reply
  29. supriya

    After reading the review for this card, I applied for it. The process was very quick and I got my card in 2 weeks on 17th June 2017.
    Same packaging as shown above. I look forward to using it.
    The card is free for the first year, but not lifetime free. But if it mentions on the website that its Lifetime free, then I need to check again.

    Reply
    1. Sambhav Sharma

      You can call the customer care and check whether your card is LTF or not. The documents don’t say anything about the card being LTF, though I confired it with CC, it is LTF.

      Reply
  30. Mouli

    I applied for Exclusive card with card to card using my HDFC Diners black (4.95L limit) and I was informed that I will get exclusive card only but today I got Preferred card only with 1.5L limit.

    Is there any way to apply for upgrade as I don’t want to close the card which in turn will affect my CIBIL Score

    Reply
  31. varun

    My YES First preferred card got rejected. I hold 2 card, first is hdfc Regalia with limit of 4.5 lacs and another Standard Bank Card with limit of 5.5. I applied on C2C basis using SC card. My current salary is approx 24lac/annum. Applied it one month back when Yes bank execute called, the only reason I was it for its low forex transaction. Today i checked status and saw its rejected due to some bla bla bla…. internal process.. What could be exact reason for rejection. My cibil score is 810. I have dropped a note to Yes bank too for giving the exact reason. Lets see what they respond.

    Reply
    1. varun

      Hi ALL

      Just to update that after initial rejection of yes bank preferred card, I wrote the letter to Yes bank to know the reason for rejection. I got a call from them that there was some issue in verification. They did some verification again and my credit card was approved later. Few days back I received the card along with priority pass with the limit of 3 lacs. I had to agree the packaging of card was great. So in case of rejection its best to write to banks to know the reason. I am travelling to Dubai next month hopefully it will useful.

      Does anyone know any card where me and my wife can get unlimited priority pass access. Currently the limit on Regalia card is only 6 which got utilized in last trip.

      Also can any one confirm that on Yes bank preferred card, does add on card member also get priority pass and is complimentary free visit applicable on it.

      Reply
  32. Prashant Gupta

    Varun you are not the first one, check on their FB page there are many like you including me and my wife. They are cheaters and just collecting data, I have raised a complain on social media and they are still trying yo solve it. In the mean time they have fired the executive that misleadingly applied for other card for my wife and the branch executive has been given a warning. Their internal system is simply ****** up. Me and my wife both have cibil score of above 800 and i have many credit cards including diners black.

    Reply
    1. Suraj

      No bank gives a proper reason for rejection. I was trying for an upgrade to Diners Black from Regalia within HDFC. And they initially rejected it. Branch in fact couldn’t give me a reason. Then finally after 2.5 months of first rejection, I got the Diners Card.

      In short: The rejection reason across Credit Card Providers, are not to be told to customer.

      Reply
  33. Anand

    Hey varun ,my card too got rejected dont know the exact reason ,i am holding yes bank account for more than 5years & have other credit cards from citibank & standard chartered too.even my branch guys are unable to comment on it.

    Reply
    1. MANU KUMAR

      Branch people know the reason. True story.
      I had once applied for StanChar card, the person who had come to verify my residence had simply reported address doesn’t exist..

      Reply
  34. Praveen Perumalla

    Did anyone ask for a credit limit in the recent times? If yes, by how much percentage was the limit increased? If not a number, then was it a decent increase?

    Reply
  35. Preet

    I just got the above card delivered today.
    Mine is a LTF card which is a bonus and soon ill apply for a Zero Balance account with Yes Bank to make the payments and all.
    Overall a very good deal considering I dont have to pay anything yearly.
    The only downside is that the credit limit they gave me is very less(1 Lac Only)
    But since i hold Regalia and Amex Platinum so i dont have to worry.

    Reply
  36. Prashant Gupta

    Finally got my card today. Amazing packaging. This time YES Bank was fast. Got the card in 1 week, no home or office visits for verification. Limit is only Rs.1.8 L. I applied through card on card basis.

    Reply
  37. Manpal Singh Julka

    Reward Redemption fee is 100+GST per transaction !
    This is a high fees compared to rest of the cards

    Reply
  38. MSJ

    Got My card in December with a limit of 5L. More that my Citi Indian oil (3.4) and Amex Platinum Travel (1.2)
    BUT Reward Redemption fee is 100+GST per transaction !
    This is a high fees compared to rest of the cards

    Reply
  39. RAHUL BANSAL

    Are they still issuing this card on card on card basis?
    If yes, whats the criteria.

    Reply
  40. Prashant Gupta

    yes they are i recently got one. criteria is limit above Rs.3L on other card and it should be atleast 12 months old.

    Reply
  41. ramkumar nagaraj

    Sid and others
    UPDATE:
    I just walked into a YES Bank centralized branch, Jayanagara, Bengaluru and applied for the YES First Preferred, though my request was rejected on the basis that my salary is NOT 50 lacs, which I’m ok with.

    I was given LTF based on my CITI rewards platina CC , which has a credit limit of 6Lac. The customer care who i dealt with was confident of delivering the card within 10 days, which i am ok with.
    Asked for the Master card variant, as well, hopefully it gets delivered.

    Shall update all, once i get my hands on it
    Raamu

    Reply
  42. Praveen Perumalla

    This might be interesting info.

    We swiped an add on card in the airport lounge in bangalore and got free access.

    Reply
    1. Siddharth Post author

      I heard it working on Exclusive. Its good to see that on Preferred too!

      Reply
  43. Praveen Perumalla

    I wanted to see how good is the concierge and here is my experience.

    On Monday, I’ve asked them a very simple question. To tell me public places in Hyderabad with free wifi where I can work. It’s almost 4 days and I didn’t get any response from them for such a simple question.

    Reply
    1. Siddharth Post author

      Sadly all banks are same. Only Amex Platinum concierge stands out i guess, maybe citi too.

      Reply
  44. Naveen

    HI Sid,

    Been an ardent fan of your blog and I have managed to replace most of my credit cards for the ones that actually adds value. Meanwhile, I had requested for Yes Preferred Credit card but sadly my salary is shy by 25k they say and suggesting me to go with Yes Prosperity Edge card.
    I am not too impressed with it as I don’t think it falls in the premiere line of cards or giving great Value.
    Currently, I have the following cards and with some, I am happy to continue and I feel Yes Prosperity Edge card would be replica of one of these cards
    HDFC Regalia First – LTF (For the same reason of falling short by 25k couldn’t get HDFC Reglia. Argh!)
    IndusInd Iconia Amex Card – LTF
    Amex Platinum Travel
    Amex Platinum Reserve ( Going to have it canceled soon as its not adding the kind of value that I thought it would)
    SCB Manhattan (My fav in terms of overall package that it offers)

    To be honest I am not that Uber rich guy who spends the most time in Airport Longue. But I might start from this year to travel and I know Iconia variant already provides unlimited Longue access and Amex Platinum Travel variant gives a limited number of International Longue access.
    Thought the Preferred card would be a nice variant to add to this profile with 25% BMS offer and awesome low-interest rate. But sadly till my appraisal happens, I dont think I can have much luck. Help me if you have any suggestions, please.
    Love your blog keep it alive 😉

    Reply
  45. bhargav

    Can someone tell me the eligibility criteria for this? I have a diners rewards card with 1.5L limit would that work?
    Also, if this is not eligible can i opt for YES Prosperity Edge?

    Reply
  46. jitendra saraogi

    i got yes-first-preferred-credit-card with limit of only Rs.50000/- although i got same on card on card basis of other bank (hdfc regalia with limit of Rs.3 lacs).i am also holding Indusind bank card with limit of Rs.3 lacs.
    please advise how can i increase its limit?

    Reply
    1. Siddharth Post author

      Any bank, you might need to wait for 6 months to request for LE.

      Reply
    2. Praveen Perumalla

      I am going to send the documents tomorrow for a limit increase. Will update you about it soon.

      Reply
  47. Shiladitya

    I see no reason to consider this card over SBI prime card.
    It got better rewards which can be redeemed against outstanding balance

    Reply

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