Yes Bank’s YES First Exclusive Credit Card Review

By | March 6, 2020

Important Update: YesBank is unstable as a bank and hence their credit cards are no longer suggested for primary/secondary usage. Kindly update your credit card strategy accordingly. Here are some of the other best credit cards in India for 2020 to choose from.

Yes First Exclusive Credit Card stands above YES First Preferred Credit Card and is one of the most premium credit card available with Yes Bank for now. It looks like every benefit of the card is designed in such a way that its positioned as a direct competitor to HDFC Infinia Credit card, infact its better in many aspects.

While most of the super premium cards in India runs on Visa Signature/Infinite variants, YES FIRST Exclusive Card works on MasterCard network, though comes with nice set of privileges.

  • Joining Fee/ Renewal Fee: Rs.10,000+GST

YES FIRST Exclusive Credit Card benefits:

Reward Points & Signup Bonus:

  • 50,000 Points as Welcome Bonus = Rs.12,500 Value
  • 1 Point = Rs.0.25
  • Earn 10 Reward Points per Rs.100
  • Bonus: 25,000 Reward Points on achieving annual spend of INR 20 Lakhs
  • Overall Reward Rate: 2.5%

So you get equivalent amount of Points for the joining fee you pay. Though, unlike HDFC, you’re limited to few redemption options on their website. Best value if redeemed for flights. Else, you can also try all those perfumes for free 😀

Golf Program by MasterCard:

  • Enjoy Waiver of Green Fee at select golf courses in India
  • Enjoy complimentary Golf Lessons at select golf courses in India

No idea about it. Yet to explore the Golf program across multiple credit cards.

Complimentary Lounge Access:

  •  Unlimited Priority Pass lounge access (Add-on cards also)

This is one of the major feature if you fly a lot in international sectors. Priority Pass now gives you access to 1,200+ lounges across the globe, all that at Zero cost with this card.

On top of that, Add-on Card members also get unlimited access, which is quite rare. Learn more about the Priority Pass tricks here ->  5 Priority Pass Tricks that can Save You a Lot of Money

  • Unlimited Mastercard Lounge access to more than 30 lounges across Indian Airports (for Primary Cardmember only)

Apart from Priority Pass Programme, which is sufficient for accessing most of the lounges in the world, you also get unlimited access to Indian airport lounges which are under Mastercard Lounge network.

Looks like Mastercard has given many special privileges to this card, maybe they’re trying to match with Visa Infinite level of service.

YES ASSIST – Dedicated Concierge Services:

  • Car Rental & Limousine Referral and Reservation Assistance
  • Hotel/Travel/Restaurant/Events Referral and Reservation Assistance
  • Movie tickets assistance in New Delhi,Bengaluru and Chennai
  • Flower & Gift Delivery
  • Emergency Towing & Roadside Repair Assistance

All seems to be good, but not sure if they can beat American Express Concierge service.

Insurance Coverage:

  • Rs. 3 Crores Air accidental cover in case of death due to fight accidents
  • Rs 50 Lakhs cover on medical emergencies, while traveling overseas
  • Rs 10 Lakhs Credit Shield cover on accidental death of Primary Cardmember

Did you notice Credit Shield cover benefit? Its awesome feature which i’ve seen only on HDFC Infinia Credit card so far.

Impressive Finance Charges:

  • Foreign Currency Markup: 1.75%

Now, YES FIRST Exclusive Credit Card is the only credit card in India that carries the lowest Forex Markup Fee. Hey, but i’m enjoying 0% markup fee with this Indusind Debit card already 😉

So YES FIRST Exclusive Card is the Best credit card?

As you can see, except the ongoing reward earn rate of 2.5% as compared to 3.3% on Infinia, every other benefit is outstanding and is exceeding the expectations, like with Finance charges. In-fact 2.5% reward rate is quite better than most other cards in the industry.

I expect all services and reward redemption’s to be in par with HDFC because the loyalty program is run by the same company – “Loylty Rewardz Mngt Pvt. Ltd”.

Card on Card Offer: You can get this card Lifetime free if you have any other card with 8 Lakhs limit, 1 Yr usage and no late payment charges. However, you wont get welcome bonus points & Taj membership with this free variant.

CardExpert Rating: 4/5 [yasr_overall_rating]

Update: I got this card. Here’s Hands on experience with YesBank’s YES First Exclusive Credit Card

What’s your thoughts on YES FIRST Exclusive Credit Card? Share your views in comments below.

393 thoughts on “Yes Bank’s YES First Exclusive Credit Card Review

    1. Siddharth Post author

      Just updated about it.
      5L limit on other card can get you this card for lifetime free 🙂

      Reply
      1. [email protected]

        Siddharth I have diners black, but yes bank is asking to me share card number of diners black in order to get this card with zero annual fees..but sharing card details made me bit hesitant so i hung up the call…do they ask for such details or it underlines some fraud

        Reply
        1. Siddharth Post author

          Yes, they do ask, this is to cross check with CIBIL report. It should be fine and safe. Else simply replace the card after applying 🙂

          Reply
      2. Shiv duggal

        Now they have increased the limit requirements on other card to 8 lacks effective 01St April 2017. I was thinking to apply last month based on my hdfc regalia limit of 6 lakh. But then I thought first to apply to upgrade hdfc to hdfc dinner black and increase limit before applying yes exclusive. But now I lost the opportunity.

        Reply
        1. Siddharth Post author

          That’s sad to know. I think you can still apply for Preferred and upgrade to Exclusive after 6 months usage.

          Reply
    2. Rockstar

      Hi Sid,
      I was holding Diners black card but since it had unlimited lounge access only for Primary card holder I was looking Infinia card but its seem to me costly so I was managing my family by using other credit card of line to get free lounge access for m family and the lounge guys really nice to allow my fam to go in on my name, since still I was exploring options I found your post online and then I applied for Yes first preferred card which I got after too much emails and phone calls.
      And I was waiting for 6 months to upgrade as per your information but too my surprise in the very 2nd month I got a message that if y wanna upgrade to Yes first exclusive type UPG SPACE LAST 4 DIGIT OF YOUR CARD NUMBER, I couldn’t believe with my eyes I kept reading the SMS again and again. So on 17th I gave request and today I came to know that I m upgraded and the card will reach very soon

      Now I have the best combination Diners black for best reward points and 10X rewards with partner merchant and smartbuy now they have included payzapp also so u can get 10X for payment of bill which was not possible on Amazon.

      I thank Sid for all this. Sid keep the good work going

      With lol
      Rockstar

      Reply
  1. Sanjay

    How can I apply with card on card offer. I tried on their website but they rejected the application based on salary (less than 50l)? There was no option of applying based on other card (I have regalia card with 6l limit).

    Reply
      1. Girish

        Can you compare hdfc Infinia vs yes first exclusive on basis of points earned for ₹100 spent & value of each point ??

        Thanks

        Reply
  2. Debajyoti Banerjee

    Hey Sid

    Debajyoti from Kolkata again. I got the yes first preferred lifetime free by card on card with my diners premium (3.09 lacs) . Yes Bank is new to CC and i must say the customer service is not upto the mark at this point. But then lifetime free and PP with 6 accesses !! (albeit just for me , not my wife). Over fast processing. But the point redemption options are very limited. Just like you mentioned .. adding up for perfumes only !!!

    BTW have applied for Diner Black on white paper , no upgrade form available in website. Hope they accept that under lifetime free category as i am strictly against paying for a CC !! Any idea whether Black will be issued or not ?

    Reply
    1. Siddharth Post author

      It also depends on various factors, like, other relationship with bank, card usage etc.
      Btw, i guess you can upgrade Preferred to exclusive card in 6 months or so with unlimited PP access.

      Reply
      1. Girish

        Card limits :

        Do you think it is good to have high limits ? When cards get fraudulently used banks make u run around & I have this experience. More the limit, more dangerous your card is.

        Abroad, just one phone call & charges are reversed but not in India

        I scaled down all my credit card limits from 15L/10L to 1 to 2L only

        Reply
        1. Hitesh

          Most credit cards now offer you the freedom of setting your own sub limits on the CC usage.
          For eg, You can set a sublimit of no more than 2 Lakhs spend in a billing cycle, and no more than 25K in a single transaction or single day etc.
          I have a limit of 10 L and have set a sublimit of 1.5L per billing cycle precisely for such a thing.
          Whenever, I want to spend on a bigger amount, i just log in and change the limit few minutes before the transaction.
          Cheers

          Reply
  3. suresh

    Hi Sid,
    I have a HDFC regalia card, tried to get diners black by sharing credit limit. Bank was not willing to provide both.
    i am planning to upgrade HDFC regalia to diners black(HDFC is ready to do this).
    and planning to apply for this yes bank exclusive credit card. any suggestions?

    Reply
    1. Siddharth Post author

      Certainly. You can upgrade and also take YesBank Exclusive card.
      Having both cards could be possible if you have higher limit.

      Reply
    2. Shrey

      Hi Suresh,

      What is the limit you have on your Regalia credit card? Also, what kind of relationship do you have with HDFC?

      I also intend to upgrade to the Diners Black, currently hold a Regalia with a 2.5L+ limit.

      Reply
      1. Suresh

        I have 6 lakhs credit limit on regalia, I don’t have any other relationship with HDFC

        Reply
    3. Abhishek Roy

      How did you contact HDFC regarding this? For any request, they till you to send a written application to Chnnai address and don’t even inform if your application for upgradation has been accepted or rejected. So, how did you manage to get a response from them that they are ready to upgrade your Regalia to Diners Black?

      Reply
  4. Prashant

    Should i get this one. I already have hdfc regalia, amex rewards and platinum travel and other cards from scb and citi. I can get this based on credit limit on my citi card it is Rs. 5.6 lakh. I am enticed only because it is free and premium.

    Reply
    1. Siddharth Post author

      You have to Prashant.
      Its a super premium card. Worth applying just for the Priority Pass Benefit.

      Reply
  5. priyanshu

    Hi Sid!

    I guess they just want existing credit card statment as a document for card on card offer.

    Reply
  6. Sanjay

    Thanks Sid.
    You don’t need to visit branch. I just applied on website with right mobile phone number. The application was declined yesterday, but today I got call from yes bank. I asked them about the offer and they agreed and will soon pick up my application and docs.

    Reply
    1. Siddharth Post author

      Sounds good. Looks like they’re pretty active as they’re new.

      Reply
      1. Deepak Agrawal

        Being the new entrant, Yes banks seem to be pretty fast in issuing the card however their marketing is very poor. Even their RMs are not aware about such offers so visiting the branch may not be of much use. It is better to leave your footprint through online application. I had applied online and got the call very next day however my RM told me that it will be paid card with annual fee of 10000/-. Finally I applied under card-on-card offer and got life-time-free Yes Exclusive card with limit higher than supportive card.

        Bank sent the card like a gift parcel box-in-box. It had priority pass included. The best part of this super-premium card is that it is Mastercard varient so will be accepted at most of the domestic lounges compare to very few lounges offered by VISA. The other benefit is that Mastercard has the lowest exchange rates compare to VISA and Diners Club. Diners club is worst in terms of exchange rate. Their Forex rate is 1.5% higher so effectively we pay same 3.5% exchange rate in Diners club card.

        Now Yes First Exclusive is going to be my primary card. Will share experience on offers soon.

        Reply
          1. Deepak Agrawal

            Thanks. I sent you the pictures over email. Yes Exclusive card has become my primary card due to 2.5% cash back in terms of RP. Now targetting to get Diners Black in my wallet.

        1. A.Sundaram

          Dear Deepak, Could you please share how much credit limit you got on your Yes Bank Exclusive CC? My application has been approved and the card has been dispatched today [I am an Yes First Customer and had provided details of my existing CCs-1) ICICI Bk(5 L) and 2) Stanchart(6.33 L)]. But the Credit limit approved for my Yes Bank Exclusive CC is only 2L.

          Siddharth-any reason why the credit limit sanctioned is so low?

          Reply
          1. Siddharth Post author

            Its just the risk factor that the bank’s see. You can get more limit after 6 months maybe.

          2. A.Sundaram

            Just an update-immediately on receipt of the Card, I wrote to Yes Bank and they increased the limit to 5L 🙂

          3. Siddharth Post author

            As you’re a Yes First Customer, they might have honored your request.

  7. Balaji

    Hi Siddharth,

    Can you write an article about cashback cards that can be encashable?

    Reply
  8. priyanshu

    Hello Sanjay!

    If I may ask, what all documents they need? for ‘card on card’ offer.

    suppose i am not in a relationship with YES Bank yet.

    Reply
  9. Gagan

    I just applied for it and all documents were submitted today. Any idea how long it takes for delivery?

    Reply
      1. Gagan

        I got the card delivered today. Had applied on 20th Dec – came in big box with 2 cards – the credit card and priority pass. Thanks for the information basis which applied. Keep up the good job.

        Reply
        1. Siddharth Post author

          A snap of the card with package (nos marked out) would be great for other readers to see 🙂

          Reply
          1. Gagan

            Ok…the card is back at home and am travelling…but could get 2 photos

          2. Siddharth Post author

            Gagan,
            Thanks, but they’re tiny.
            Appreciate a full resolution pic when you got time.
            You can mail me on sid[at]cardexpert[dot]in when its ready.
            So i can update the post accordingly 🙂

  10. Prashant Gupta

    are there any charges for Dedicated Concierge Services. I am applying for the card based on existing card. Docs will be picked up tomorrow.

    Reply
  11. Abhishek

    One thing that I want to point is that, even though heir website says that the MasterCard lounge program is for the Primary Card Holder only, but in the list of the lounges and the terms document it’s clearly written that the Unlimited Mastercard Lounge access program is for the Primary Card Holder as well as for Add-On Card Holder also. So, I don’t know which information is actually true.

    Reply
  12. bala

    @Siddharth

    Hi,
    I have also applied for this card. Regarding your reward comparison with hdfc regalia i would say it is better than regalia. Because in rewards you directly redeem points for amazon coupons in rewards website and you buy anything in amazon using the coupon which give more options .

    Thanks
    V S Balaji

    Reply
  13. Parth

    Hey Siddharth, just wanted to drop in and wish you a Merry Christmas. Hope you have a good one! You website is informative and inspirational at the same time. Enjoy your iPhone and keep up the great work! Thanks again.

    Parth

    Reply
  14. Ashwin Iyer

    SO the Addon card gets Priority Pass ( Is it a different Issued card ) Or do we do +1 When we visit the Priority pass lounge?

    Ash

    Reply
  15. Saurabh

    card on card lifetime free.. for rewards cards only
    all the cash back cards are chargeable
    credit limit on existing cards needs to be 2 lakhs above..
    Applied for YES FIRST Preferred Credit Card yesterday very fast processing docs been collected already.

    Reply
  16. Phantom

    Hii Sid.

    First i will be very thankfull to you for your hard work and efforts to make this web more informative.

    I am holding hdfc regalia cc but waiting to invited by hdfc infina cc team but till time no call?.

    Hdfc regalia 5 years old limit is 6l..
    No late payment in 9 years old track of my first cc.

    I just want to ask is this card can really make On card to card basiss ? If i show them my statsments ?

    Reply
    1. Siddharth Post author

      Yes, you can avail it with Card on card.
      For Infinia, try requesting BM.

      Reply
    2. Gagan

      Just give one statement copy and copy of front of credit card. That should be sufficient and will work. I used Regalia only to get the Yes Card issued

      Reply
  17. Prashant Gupta

    Anyone got the card. I applied in 21st for exclusive card no communication yet from yes bank.

    Reply
    1. Gagan

      I just got card today. It was fast service, next day of application received call from Yes Bank.

      Reply
  18. Harish

    @Gagan,
    I am just thinking to apply for the card with my regalia cc, i do not hold an account in yes bank, so what are the documents required to apply for the card.

    Should we visit the branch to apply for it or call the customer care no where the request can be taken for the documents to be collected from me..?

    Reply
    1. Gagan

      Sorry, there is no way to get notification when someone replies and hence this was missed.

      I see that you already have applied and should get soon…Congrats.

      I had done all online on their website 🙂

      No, don’t have any account with Yes Bank

      Reply
  19. Sayan Das

    Have the Yes Preferred LTF card. Any way to upgrade to Yes Exclusive LTF. The highest limit i have is 3. 5 on my Amex MR LTF card

    Reply
  20. Jitendra

    Sent you the pics.

    Is lounge access free for add on card holder as well?

    Reply
    1. Siddharth Post author

      Pics? am yet to receive any.
      Yes, its free for add-on cards as well via PP.

      Reply
  21. Karan

    Hi Siddharth,

    Thanks for ur write up, i managed to get the card yesterday, they picked up the documents on 24th december and i received the card yesterday at my residence, had matched it as card on card to Diners Black,

    Came in a bookshelf type box with the prioirty pass card and product brouchre

    Keep up the good work with your blog, thanks

    Reply
  22. Rahul Jain

    Hi,
    Just thought I could add some details here !!
    You can get a YES FIRST Exclusive Credit Card without having a 5L limit on the existing cards. You need to have an existing ICICI Bank Sapphiro or an American Express Platinum Card (Rs 50K annual fee) in good standing to be eligible for Life Time Free YES FIRST Exclusive Credit Card.
    Also, a maximum of 3 free add-on cards with respective Priority Passes can be applied and availed for as well !!

    Reply
    1. Siddharth Post author

      That’s an interesting information, especially ICICI Bank Sapphiro part.
      Thanks for sharing.

      Reply
  23. Manish

    Hi I am a yes first customer, they are offering me free lifetime and no joining fee on yes first exclusive card. But they are not offering me any welcome bonus points since it’s free for me. Is this ok?

    Reply
  24. Harish

    Hi Sid

    Thanks buddy, I have applied for the card at a bank branch, Yes First Exclusive was offerd to me with card on card offer with LTF. Expecting to receive in a couple of weeks.

    Reply
    1. suresh

      though i could add my experience here.. Received a call from yes bank customer care on 26th dec, after registering interest with yesbank. Documents collected on 2nd jan, card was approved and dispatched on 11 jan. couple of verification calls and visits to approve.

      Reply
  25. Vikram

    Even HDFC Infinia has a World MasterCard variant. There are at least 3 banks that I know offering the World MasterCard as their top variant. What’s actually on par with the Visa Infinite is MasterCard World Elite. But that’s not available in India and so these banks offer just the World Mastercard which is actually on par with Visa Signature. In the US, at least some time before, the Visa Infinite wasn’t offered. So those banks pitted Visa Signature against World Elite MasterCard variants of their own or competitors.

    Banks with Visa Infinite as their Top Most Variant
    =======================================
    (1) Standard Chartered – For Priority Banking Customers, currently free for life.
    (2) CitiBank – Citi Prestige Card, 20K annual fee, not very catchy in terms of benefits.
    (3) Axis Bank – Reserve Credit Card, invitation only.
    (4) Kotak Mahindra – Wealth Management Infinite, only for Wealth Management Customers

    Banks with Visa Signature as their Top Most Variant
    =========================================
    (1) SBI – Elite, Elite Advantage, annual fee is 5K
    (2) KVB offers a Visa Signature card in partnership with SBI.
    (3) BOB
    (4) IFBI
    (5) LIC

    HDFC in unique in offering it top most variant The Infinia in both Visa Infinite and World MasterCard variants.

    Banks with World MasterCard as their Top Most Variant
    ===========================================
    (1) Yes Bank – Yes First Exclusive
    (2) RBL – Insignia, Annual Fee is 5K
    (3) Central Bank Of India

    The above lists are just what I know. There are possibly more.

    Reply
    1. Siddharth Post author

      Thanks for your wonderful comments with insightful information Vikram 🙂

      Reply
      1. Vikram

        Oops! How did I miss ICICI Bank which also offers World MasterCard as it’s top variant. It’s the Diamant Credit Card that they offer.

        Reply
  26. Prashant Gupta

    Update:

    My application has been rejected after more than a month of applying. reason credit team has done that.
    Surprisingly i got a call for verification and home visit and still card rejected. I had to call cc every 2-3 days for an update and when 21 days passed they said they will escalate the issue. The experience has not been good, no communication from YES bank during whole 1 month and no official communication of rejection.

    Reply
  27. Ganesh

    I got a call from Yes bank and after getting all the details (net salary, existing credit cards (i.e. regalia with 3L limit and Standard charted), usage per months on credit cards etc.), the representative said the criteria for getting this card is to have minimum 3 lakhs as a take home salary per month. So, the card can not be issued.

    Do others have similar experience?

    Reply
    1. Siddharth Post author

      You need 5L limit on existing card to get this one.
      With 3L limit, you can go for YES First preferred variant.

      Reply
  28. Sitikantha Parija

    Hi Siddharth,

    Great work with the blog..keep it up! 🙂 Happy to inform you- that I got the Yes bank First exclusive ( LTF )

    regards,

    Reply
    1. Siddharth Post author

      Thanks for the kind words.
      Congrats on Exclusive card 🙂

      Reply
  29. RAHUL Bansal

    I have multiple credit cards and the highest limit one is diners premium with 3.7 L limit.

    1. Can i get diners black if i apply for the same with this limit.

    2. I got the yes first preferred delivered to me in the first week of january, when can i apply for the upgrade to yes first exclusive.

    Reply
    1. Siddharth Post author

      Try after 6 months with good spend on the existing cards, for both.

      Reply
          1. RAHUL BANSAL

            Hi,
            Over the past year i must have sent like over 10L on YFP and than i asked for the upgrade to YFE and their answer was mail us the salary slip of 50L or forget it.
            I dont get it why are they not ready to upgrade the card. Although for Yes Bank point of view i have a pretty high credit limit of over 3 lakhs.

  30. Dhanush

    Hi sidharth. Any chance how to get this card for free. I have regalia with 4l limit but only 10 months history. Also salary is 50l with incentives however net comes only to 2.4l pm. They are asking for 3.2 l net of taxes. Any

    Reply
  31. Mahesh

    Hi Siddharth

    I applied for the exclusive card on 8th of Jan and with in two days documents were collected, i received a call from the document collection department i think to verify my name and address.

    Since i did not receive any call on 23rd, I called the 18001036000 number to check the status and provided the YBL number ( which was provided by the Yes bank sales rep when collecting the document), the caller said he cannot see that YBL number in the system, and he said they will send the email to sales group to call me, i have not received the call yet it is almost a week now.

    I called the collected yes bank rep who took my application he sent me the screen shot of the document sent to the bombay office…

    Siddharth how do i proceed from here…

    Reply
    1. Siddharth Post author

      Try to escalate through nearest branch manager or drop a line to their Nodal officers.

      Reply
      1. Mahesh

        Thanks Siddharth, i escalated as you mentioned in this blog, instead of Yes First Exclusive card i was approved for Yes Preferred Card. In the call i mentioned i am not interested with the card, the caller said use this card for 6 months and apply for upgrade.

        Siddharth do you really think they will upgrade?. based on your experience..

        I have not activated the card yet.. i will wait for your reply…

        Thank you all..

        Reply
        1. Siddharth Post author

          Yes, they will for sure upgrade it, provided the usage is decent. If possible ask them for a written confirmation 🙂

          Reply
    2. Shrey

      Hi Mahesh, same thing happened with me. I applied for the Yes Preferred card on 7th Jan at the bank branch and the YBL number given was not updated on the system. It took them some time to process the whole thing and I got my card after 19 days of application and documents submission. Should happen in about the same time for you also.

      Reply
    3. Vineet

      You can ask call center person to search your application on the basis of your mobile number and address details.
      For me also, i didnt get any message related with Unique application reference. However call center person was able to share the status.

      Now Yes bank seems to be not so liberal in offering this card. I applied this card against my Regalia card with limit more than 5 lakh and excellent CIBIL score. Still Yes bank called me and offered me Yes Bank Preferred card, which I refused.

      Reply
  32. Vineet

    Finally my exclusive card approved and dispatched….
    Expecting this week…. 🙂

    Reply
  33. KIRAN PRASAD REDDY ERAMREDDY

    Hi Siddharth , I have a Amex Platinum Reserve CC with credit limit of 6.08l , can I apply for the YES FIRST EXCLUSIVE CARD?.

    Reply
  34. Pradeep

    Yes bank is telling that Landline no is compulsory for getting yes bank card. I don’t have Landline no so how can I get this card

    Reply
    1. Siddharth Post author

      A friend’s / Known landline no. can help too, as long as they’re ok with saying that you’re staying there.

      Reply
  35. Arjun Jayasimha

    I got this card last week. I used my HDFC Regalia card which has a 5.4 lac credit limit to apply with the card on card offer. The Regalia credit limit wasn’t matched – I received a limit of only 2 lac on my Yes First Exclusive card.

    Reply
    1. Siddharth Post author

      OMG, 2L on Yes Exclusive card !!
      That’s too low for this variant. Maybe other factors weren’t favoring you for the limit.

      Reply
      1. Arjun Jayasimha

        Well, I just wanted a card which can lay to rest any lounge limitations for my wife and me. This fits the bill perfectly.

        Reply
  36. Majumdar

    Guys,

    Just got my Yes Exclusive Credit Card along with a PP (my first!) just this morning. Now I need to apply for add on Cards and PPs for my family members. Thank you Sid and all of you guys for having brought this excellent card to my notice!

    Regards

    Reply
    1. Siddharth Post author

      Congrats !!
      Have great savings with the new card 🙂

      Reply
  37. Sat

    Hi Siddharth,

    I have a Regalia with a 4.8L limit. Just falling short of 20k.

    Is there a work around apart from sending document to HDFC Cards division.

    Yes bank denied with 4.8L.

    Thanks for your help

    Reply
  38. Nitin UPADHYAY

    I just applied for it and all documents were submitted 8Feb2017. Any idea how long it takes for delivery?

    Reply
  39. Deepak Fernandes

    Thanks Siddharth, your information has always been helpful. I want to apply for card on card offer for Yes Exclusive card but I am unable to find this link. Is this offer still ON?

    Reply
  40. Karthik

    Is it advisable to open a savings a/c with Yes bank before applying for this card?

    Reply
  41. Shalini Mahajan

    Hi Siddharth , i have visa infinite card from standard charted with 5L limit , but it is issued to me around 10 days back only..can i still apply for this yes bank exclusive card with card on card basis ? Kindly guide me.

    Thanks as always 🙂

    Reply
  42. Varun

    I got the card delivered today. Applied on first week of Jan. Sales representative messed up my documents and I had to submit some documents twice. Applied for add-on card as well. Was surprised to see a big box with 2 credit cards and priority pass.
    Applied for this card after going through this blog. Availed Card On Card offer. Thanks a lot.

    Reply
  43. Muk

    Thanks Sid,

    I also got this card, but they didn’t match the limit of my Amex card (8L) and gave only 2L. Planning to shift all spends on this card as 2.5% rewards system is better than any other card

    Reply
    1. Siddharth Post author

      Great, Congrats Mukesh 🙂
      Good to know that a lot of our readers are holding it now.

      Reply
  44. Balpreet Singh

    I got to know from the local branch rep, now the credit limit needed for card on card is 8L. For this reason, seems I won’t be able to get this card currently.

    They are offering me “Yes Privilege”.. What will I miss out if I get this card instead of Exclusive?

    Reply
  45. Arjun

    I talked to Yes Bank customer service today and they said criteria for Exclusive is 3.2L+ monthly income or a 10L+ limit on an existing card. If you are a HDFC Infinia holder, instant approval too.
    I settled for a Yes First Preferred Card.

    Reply
  46. ram

    hello,

    Regalia has also stopped giving free TAJ membership. I was a frequent user of that benefit. Any other decent card offering Taj Epicure membership?

    Reply
    1. Siddharth Post author

      High joining fee cards still has it, like Amex platinum.

      Reply
  47. SaurabhN

    Hi, thanks for the review. I got my Exclusive card on basis of Regalia card which has limit of 6 lacs. I surely believe this card provides a great value and on top of that unlimited access to lounges for primary and add-on card holders, which is pretty amazing. Hope to gather some gr8 points for GVs available on redemption.

    Reply
    1. Siddharth Post author

      Congrats Saurabh!
      Indeed, this card is best for the Priority Pass.

      Reply
  48. Karunesh

    Hi,

    Anyone who has used RBL Bank’s Insignia CC?
    Pl share review.

    Thanks
    Karunesh

    Reply
  49. Ganesh

    Hi Sid,

    Many thanks for sharing the information!!

    I am using SC Manhattan card with 6 L limit from last 6 months. To get Yes first exclusive card, do I need to wait for another 6 months or should I apply for Yes First preferred and then upgrade it to exclusive? Does this upgrade work?

    Regards
    Ganesh

    Reply
    1. Siddharth Post author

      Yes Preferred + Nice Usage will be eligible for Upgrade. Els you need 8L limit

      Reply
  50. uttam

    How many addon cards can we have with this card? Also, can we take addon card for kid also?

    Reply
  51. Mouli

    Siddarth,

    I am still seeing Taj membership offer in Yes bank portal. Are they giving it now ?
    I heard from the executive that I will get 50000 Bonus point for LTF card also . Is it so ?

    Thanks,
    Mouli

    Reply
  52. Ankur Mittal

    Do we get 50,000 points with free Yes first Exclusive card ?

    Reply
      1. Altamash

        Hi sid,

        I am planning for thailand trip from Mumbai. Currently I’ve 5 credit cards( hdfc cashback, IndusInd platinum,citi platinum,standard chartered platinum and icici platinum) and 4 savings account with debit card ( icici, standard chartered, yes bank, axis bank) please tell me out of all these which card can i use for maximum benefits ? And if I can’t , please tell me which card should i take in addition. My requirements is that i want to get maximum benefits while booking flight tickets and second requirement is that if I use my asset overseas, I should not be charged more in atm’s or in hotels, guesthouses, shopping etc.

        Reply
  53. Gautam

    Unlimited Mastercard Lounge access to more than 30 lounges across Indian Airports is for add-on cards also.
    Confirmed with product feature booklet came with the credit card and also with the customer care.

    Reply
  54. Alok

    Does Yes Bank send representatives for address verification in addition to whoever visited for document collection? Or do they verify over phone?

    Reply
    1. Prashant Gupta

      yes residence verification is done by different person.

      Reply
    2. Mouli

      They will send representatives to home for address verification. They did it for me this week

      Reply
    3. Ankur Mittal

      They visited both my home and office address and called both my home and office numbers

      Reply
    4. Alok

      Thanks!

      For the home/office address verification: Do they call and coordinate before coming, or just show up unannounced?

      Reply
  55. Gautam

    The unlimited MasterCard lounge access is both for primary and add on card members.
    I have verified with instruction booklet came with card and also with customer care.
    Wrong information is there on yes bank website regarding the same.

    Reply
  56. Majumdar

    Strangely enough I had a very different experience. I had two cards with 5L+ limits but both were only 6 months old. But I got approval within days, not even full KYC docs submitted, only one copy of Passport (as ID+ Address proof) and last months email statement of both CCs. No visits, nothing.

    Regards

    Reply
    1. Alok

      My HDFC application some time back was also approved without visits (or even phone verification).

      How many days did it take between submitting documents and approval?

      Reply
  57. Alok

    Thanks for the review and comments on this site.

    Applied online on 15th June. Documents collected on 16th. Phone verification on 17th. Received reference number via SMS on 20th. Home and office verification done on 21 and 22. They showed up without calling. Then no updates for a week. Card was approved on 30th, but didn’t get any immediate message. Got bluedart message on jul 1 and card received shortly after that message.

    The card packaging is quite amazing.

    I can’t yet register myself on netbanking. (New to yes bank). CCare said my new custID hasn’t yet propagated through all their systems yet. So I don’t have a PIN yet. But I was able to do online transactions.

    Like many have observed, yes bank customer care could be the weak link with this card.

    Reply
  58. Mouli

    I applied for Exclusive card in card on card basis using my HDFC Diners Black but they gave me First Preferred card.When I talked to CC, they mentioned they stopped Exclusive card by March itself and I feel that’s not true as I have seen Alok mentioned that he applied on June and got the Card. Anyone applied and got Exclusive card recently?

    Reply
    1. Sameer

      I was told about they stopping exclusive card on C On C basis by 31st march. I applied in first week of Apr.

      They told me to take Preferred and then upgrade after 6 months or so..

      Reply
    2. Ankur Mittal

      I got the Yes First Exclusive card 3 weeks back, but the guy has to took some sought of approval

      Reply
  59. Anonymous

    For a 7.5 lakh spend (which is reasonably high) the Prefferred card gives better value than the Exclusive card. You get Rs. 20,000 in the Preferred card while you only get around Rs. 18,750 in the Exclusive one (assuming both cards are LTF). The milestone bonus threshold in the Exclusive card is too high, which makes it less beneficial. Strange.

    Reply
    1. Praveen Katiyar

      @Anonymous
      Great u noticed it.
      Anyone who does not need Complimentary PP visits for add on card must take Yes First Preferred.

      Reply
      1. Praveen Katiyar

        Recently on generation of my 6th statement of YFP, i requested CC for upgrade, they checked and voila.. its there.. I wholeheartedly said yes. Waiting for upgraded card. Many thanks to Sid and cardexpert for this blog and insights.
        Reason to say yes for upgrade even after knowing what Anonymous said:
        For me, unlimited PP visits(both for Self & Addon cards) is what differentiates YFP and YFE.
        Unlimited Domestics lounge access on YFE (against 3per quarter on YFP) also brings peace of mind.

        Reply
          1. Praveen Katiyar

            Super fast speed. Breaking all records.
            On 14th Mar 2019 I requested for upgrade (after just 5 months), which luckily Customer care said is there, i asked to go ahead (and took the request number). On 15th received a sms that ticket wrt my request no. has been raised.

            Out of curiosity I logged in to my Yes CC account. OMG.. i can see two cards (both YFP & YFE). Both as Primary cards. All my outstanding/unbilled etc of YFP is visible to YFE.
            Although reward points are yet to be credited to YFE.
            Feeling great at speed of Yes Bank. Just waiting for physical card to arrive.

            Thanks to Sid and other members for their guidance/comments which let me apply after just 6 months(5th statement generation).
            Once again thanks to Sid for great work at cardexpert.

  60. Ganesh

    Hi all,

    Is this card still being issued on card to card basis (i.e. LTF)?

    Thanks!

    Reply
  61. Badrinath M

    Yes Exclusive Credit Card charged me over 2% charges on Fuel purchase. But somewhere i read a discount.
    🙁

    Reply
    1. MrinalT

      all cards charge the 2-2.5% Transaction charge +GST , but they will reverse the transaction charge if you are eligible for charge reversal (eg : on my HDFC regalia ,tranaction should be between 400-2500) plus u get 0.75% on your fuel value as reversal on the same card from the OMC

      Reply
  62. MrinalT

    I have applied for Yes First Exclusive online on their website based on my income , on the day of application , i get a call , caller verifies my details against what i have uploaded , but on hearing that i am a Trader without any Company name , his words started hesitating and he told me he needs an “Approval” from senior and will call back , call never came

    next day , i get another call from another executive , this time he is convinced about my firm , but pushes hard for the Yes First Exclusive Business Variant (i checked on their website , the perks are half (so are the fees) and reward is way worse) , i urge to him that i need card for personal use on international travel , he just tells me that a person will pick up documents and kept the phone

    lets see now what happens

    Reply
  63. Shiladitya

    Tried to apply for Yes bank exclusive card online as I was eligible based on salary criteria.
    Surprisingly, even being in Hyderabad, my pincode was not in the list and hence could not apply.
    So, called up their phone banking and expressed interest to apply.

    Got a call within 1 hour but was to take the call due to meetings.
    Asked him to call today at a particular time. Received the call from an executive who was well mannered and asked a few questions regarding salary, company etc and confirmed that I can get this card life time free . Will submit documents on Monday and hopefully should get this card soon enough.

    With the kind of features this one has, I don’t think I will need any other card.
    I will still keep the Diners Premium card as long as they have their 10X offers.
    I am planning to cancel all my other cards (which are not life time free) after I get this one.
    Are there any negative effect on credit rating if I cancel my credit cards?

    Reply
    1. Prashant Gupta

      If they are ltf card then why to cancle. If they are of different banks then u can use those for bank specific offers. Close the ones whicg are absolutely useless and not very old.

      Reply
    2. Aman

      Hi Shiladitya

      2 things.

      1. hope you get exclusive card. And if not, settle for the preferred card for now and upgrade later to exclusive

      2. Don’t immediately cancel any other credit card issued recently. Wait till the card completes 11 months before cancelling so that your cibil score is not affected. You can also try to upgade them to ltf depending on availability.

      If card is still not valuable to you then cancel.

      Reply
    3. Gautam

      Indeed exclusive card is one of the best card in India. I am using it from quite few months and experience is good till now with it.
      You also hold the diners premium, try asking hdfc to upgrade it to diners black (better reward rate than exclusive card) as you meet their salary criteria. But do keep in mind that this card is surprisingly popular in market from some time and hdfc may devalue in near future.
      Avoid cancelling your oldest card as it will impact your cibil score.

      Reply
      1. Shiladitya

        Thanks everyone for your replies.

        I have a few old cards which are very basic cards
        Citibank cashback – LTF – can keep this one, also Citi runs some good offers now and then which is beneficial
        Standard chartered Cashback – This one is only good for fuel and utilities. I think the only card in India which gives 4% cashback on fuel. I think this one has waiver based on 1L annual spend. Will check with the bank and try to convert to LTF.
        HDFC Diners premium – new card, LTF. So, no problems. I can use it for Diners 10X offers and HDFC specific offers. Will check possibility of upgrade to Diners black but should I wait for 6 months? My biggest problem with Diners card is that I don’t know if it will be accepted or not. So, I prefer not to use it for offline transactions.
        SBI Prime – This is my newest card. Till now, not sure about how their rewards will work out to be. But this is NOT life time free and to get maximum value out of this card, we need to use it for 5L annual spend.
        If I get the YES bank exclusive LTF, it makes every sense to get it.
        But, I am not sure how should I be using this card. Should I use SBI prime as main card or the YES excllusive? Diners is only for 10X program. Stanchart only for fuel apart from bank specific offers.

        Please do advise.

        PS – I am not sure why cancelling a credit card affects CIBIL score when I have made all my payments before due date

        Reply
  64. Shiladitya

    I got a verification call for my application today.
    during application, I was offered a Life time free card but now they are saying I need to pay 10K for joining.
    I wanted to know if it’s worth to pay 10K joining fees for this card.
    Anyone got this life time free?

    Reply
    1. MrinalT

      Shiladitya,

      i own a Yes bank First Exclusive , paid 10k+GST = 11,800/- , you get 50k points the moment you do your first transaction , but can only redeem it once your first month’s statement is generated , you can use them for merchandise or e vouchers of amazon/croma ,etc.

      SBI prime , Siddharth has made an excellent article on the benefits you can derive out of the card , please do read it. but SBI rewards rate is close to 1-1.25% , whilst YBFE card is 2.5%(even when you recharge your mobile wallet)

      dont be afraid of the 10k fees you have to pay because you get that much back in value (net savings Rs. 700) .

      my suggestion will be use SBI prime for SI on utility bills , rest all spends can be on YBFE card

      if the already owned card is LTF , dont bother cancelling it

      Reply
      1. Shiladitya

        Thanks. I have read all the articles 🙂
        Problem with SBI prime card is that the reward rate is linked with the spend.
        If you spend less than 3L, its a huge loss as you end up paying renewal fees and you dont get milestone benefits.
        You can easily earn 4-5% rewards on SBI prime card if you spend 5L.
        I think the better strategy should be to spend 5L on SBI prime card, earn all the benefits and then spend other things on Yes exclusive. So, it’s better to have Yes exclusive as life time free.
        If you get Yes exclusive after paying fees, then there is no point in continuing with SBI prime or viceversa. Use only one of them

        Reply
  65. Sriram

    Yes has released the Mother of all Cards – Yes Private. Sid, I dont think I would ever get eligibility for the card in this life or next. However, if you can review the “Mastercard Worldelite” part it would help

    Reply
  66. Ajesh

    Received the Yes First Exclusive Card today , after a delay in verification due to not having landline at office . 🙂 . Got it bypassed after escalating.

    Sid , please update the above point in your review.
    In the welcome kit, it clearly mentions “Primary and Add-on Cardmembers enjoy unlimited complimentary access to MasterCard affiliated domestic lounges.”

    Reply
  67. tarun

    I have limit of 7,60,000 on my CC card. Is this enough for this Yes Exclusive. I file ITR of around 25 lacs.

    Reply
    1. Siddharth Post author

      Limit is Good enough, short of 40k, but should be able to make it!

      Reply
  68. Shiladitya

    I have applied for Yes bank exclusive card on 18th September.
    I got a couple of verification calls.
    But still the status is IN PROCESS.
    I thought Yes bank is relatively fast in processing credit card applications.
    I don’t know why they are delaying this much.

    Also, they seem to be confused about LTF option.
    One person told me it’s LTF, another person told me it’s not.

    So, till now, not a great experience.

    Reply
    1. Siddharth Post author

      Its probably stuck somewhere. Check with those who took the application, or reach them on social media.

      Reply
      1. Shiladitya

        I called customer care, they don’t have a clue.
        I have lodged a complaint, no response so far.
        Will check once more by Friday.
        If its still not resolved, I am not going to waste any more energy on this.
        Also, looks like YES bank has a long way to go for becoming a top class bank. If this is the treatment they are giving for their EXCLUSIVE card applicants, I wonder how their customer service will be afterwards.

        I have more important things in life to focus on rather than running after YES bank for tracking a credit card application status.

        Reply
  69. Shiladitya

    Spoke to customer care on Saturday.
    They said that there is some investigation on the documents which I submitted but could not give any more details and why it’s taking so much time.
    I am going to let this one go.
    May be next year I will try once more but very shabby experience with Yes bank

    Reply
  70. Shiladitya

    Quick update – AS per the Yes bank credit card status tracker in the website, my application has been approved.
    🙂
    Hopefully, should get it pretty soon.
    Looking forward to a long lasting and fruitful relationship with Yes bank.

    Reply
  71. Shiladitya

    Received my yes first exclusive card.
    The packaging is exquisite. My daughter has already taken the package to keep her stuff 🙂

    Quick clarification
    Both Mastercard lounge access and Priority pass lounge access are for Primary as well as Add-on card members. I have not yet applied the Addon card yet.

    There is some confusion regarding joining and annual fees.
    During application, I was told that this is lifetime free.
    But, when I called customer care they are saying it’s chargeable but I dont have much confidence in what they are saying.

    If the card is chargeable, I will enjoy for 1 year (as we get 12500 back as reward points) and then cancel because of high renewal fees.
    Let me know if there is any way to clarify this.

    Also, tried to register online. but could not. Says invalid card.
    I guess I need to wait for a few days before online registration?
    Seems like Yes bank has to go a long way before they could claim to be one of the best

    Reply
    1. Siddharth Post author

      Congrats Man!

      It would be LTF if it was promised at the time of application as we usually agree & sign it. So they can hardly skip that part.

      Reply
    2. Ashish

      Even if they charge fee you will get equivalent value in reward points.
      Effectively you will pay only GST on the fee

      Reply
  72. Gagan

    I have been using Yes Bank First Exclusive card for close to 10 months now. The features are good, covered by Sid in details above and lately have started bonus points (based on spends criteria) & 10X reward points for limited period. Further they are also having bonus points on biller registration, application for add-on card etc.. So all good so far.

    Concerns are few:
    Customer Care is confused one, many a times they don’t have correct information / T&Cs etc
    Website is very dated -for eg. no option to even review billers forget about option to add / delete biller
    The list of billers is still small and more to be added – even though linked with BillDesk
    Huge wait times at Customer Care – IVR and that is even for Yes First range of cards

    But then its LTF for me and so can adjust 🙂

    Thanks Sid for this blog and sharing useful features.

    Reply
    1. Shiladitya

      Gagan,
      Can you share what are the bonus points you are talking about?

      Reply
  73. MANOJ SINGLA

    IndusInd Pinnacle card gives 2.5% Flat rewards on online spend and 1% on POS.
    Further 2.5% is also on adding money in Wallets or any online spend.
    Further these reward points can be adjusted in cash credit in next billing cycle to a max. of 25000 per month. (25000 RP can be earned wd monthly spend of 10 lac)

    Reply
  74. Tanmay Broachwala

    What is the eligibility criteria for Yes Private Card? Will appreciate if somebody can point the right link or webpage.

    Reply
    1. Aman

      Hi Tanmay

      Yes Private is invite only (only 2500 cards to be issued)

      Its joining fee is Rs. 50k!!! Renewal is Rs. 10k. (Renewal waived by spending Rs 25 L in previous year.)

      Its eligibilty criteria is 5cr investment relationship.

      Its retuns is 2% for spends in india, which less than 2.5% you get in yes first exclusive card (which you can get LTF).

      Its more of a status symbol than a reward card.

      If you still want it go ahead and ask your RM.

      You can see details on Yesbank Website.

      Enjoy

      Reply
  75. Tarun

    I applied for Yes First Exclusive about 10 days back, and submitted documents 7 days ago. How long do these guys take? The tracking number on the website was not activated until yesterday. It just says “In process”. I got one call to confirm my home & office address 4 working days ago. No one has come for verification either. Are they always this slow? How long does it take? I still am not sure if they are going to approve either.

    Reply
    1. Shiladitya

      read my experience above.
      They can be pretty slow. Wait for at least a couple of weeks and then contact customer care with your application number

      Reply
      1. Tarun

        Did someone visit your home address for verification? Its now been more than 2 weeks, but no update

        Reply
  76. Shiladitya

    Finally got a confirmation that my card will be LTF.
    I hope they dont devalue this card any time soon as I am looking for a long term relationship here.
    I am yet to apply for an add-on card which I will be doing soon as it will be a big boon during international holidays.
    Also, their customer care is very confused although they seem willing to help
    Yes clearly do not have proper back end systems in place to provide a good customer care.
    Also, their portal looks like at least a decade old with very minimal features.
    But the pros clearly outweigh the cons.

    Reply
    1. Tarun

      Hi Shiladitya. Just got my Yes First card. The packaging is really nice. Hope they do not devalue this as well.

      How did you get a confirmation about card being LTF? Call/mail customer care?

      Reply
  77. Rupesh

    Hello Siddharth,

    I have HDFC Regalia and just now received Yes First Exclusive, Should I ask HDFC to upgrade my Regalia to Infinia (do they do it?) or I should continue with Regalia? I don’t want too many cards. I have Kotak Royale as well. Which one should I drop or continue with all the three.

    Also Whether can I access complimentary Priority Pass lounges in India as well with First Exclusive , unlike Regalia?

    Rupesh Sonkar

    Reply
    1. Suresh

      Hi Rupesh,

      I think, you should hold yes first exclusive and convert HDFC regalia to Diners( to get 10x points). you should drop kotak royale as it is a useless card.

      Suresh

      Reply
    2. HTC Fan

      Upgrading to Infinia will be good if you meet their eligibility criteria. Through Smartbuy 10x benefits, this card gives back 33% of the spends. Diners Black is also a good alternative and is sometimes given LTF as well though acceptance is a challenge especially outside India.

      Both Infinia and YFE give domestic lounge access through PP as of now.

      Reply
  78. Gkcards

    Is Taj membership only for first year or every year on renewal also?

    Reply
  79. Tarun

    Does Yes Bank offer credit limit increases? They have given a limit of ~35% of my DCB limit. I am hoping to have a higher limit on this YFE card?

    HDFC has been regular in offering credit limit increases (almost once a year).

    Reply
    1. Praveen Perumalla

      I got two LEs in the first year. For the first one, I have asked. For the second one, they themselves offered LE. But you have to make good overall spends, get closer to credit limit once or twice, make a few high-value transactions etc.

      Reply
  80. Gkcards

    YFE application process is not straight forward, so thought of sharing. I had applied for YFE almost a year back, and it got rejected saying didnt meet bank parameters. It was card-on-card (COC) basis. I dont know which parameter didnt meet. Note that there is no option of applying on COC basis online, its only based on salary. So you can put more salary so that it shows you YFE option, otherwise it shows Preferred card option, and when yes bank calls for verification, tell them your true salary and then they give you COC option. I again applied in Nov but no one came to collect documents. However someone from Mumbai kept calling every week if documents have been collected. Last month a yes bank person came to collect documents. Again slow process. My office phone verification got done, but missed call on mobile. Yes bank person who collected the forms helped in organizing it again. After few days, I got a physical letter that application is on hold as documents not complete, and I need to send office and home address proof to Chennai address. I again followed with yes bank person who collected the documents, not with helpline. He followed it up with his team, and got all verification done. So moral of the story is follow up through the yes bank person who took your documents than the bank helpline. Its not an easy process at yes bank. Now its showing application status as approved, but the card is on its way to me.

    Reply
    1. Ragz

      Hi! my experience with the application is very similar, except they haven’t asked for any additional docs so far.
      Can you tell what date you applied, and when did it get approved (you saw the status online)? I actually applied online for a lower card (based on my current income). Next day I recd. a call from the back dept. (or the outsourced one, I dont know!), I told them that I have the HDFC regalia card with limit Rs. 8L. He said he’ll take my application for YFE – free for life variant based on COC. They have uptil now done the mobile verification and office verification, but even after 15 days of application, it’s still showing “IN PROGRESS”.

      Reply
      1. Gkcards

        I suspect some verification may be pending. Problem is call centre people wont tell u anything. Best is try to find out via the person who collected your documents

        Reply
  81. Arjun

    Can we upgrade it on FD basis , I have yes First Preferred want the YFE card.I have a savings bank account with 1 lakhs deposit also.Sid can you help.My Salary is 19 LPA.I can increase amount in my savings account and maintain it.

    Reply
  82. Vijay S

    Hi Sid,

    Is there any card which allows lounge access to minor children accompanying the primary card holder, what are ways and means to travel with family and avail lounge access.

    Thanks in advance.
    Vijay

    Reply
    1. Suresh

      children above 5 years are generally considered as +1, and for minors you can use any other card with your name to gain access.

      Reply
    2. Balpreet Singh

      My experience on this, you have to use a card with a different provider for your kid. Ex: If you used any Master card for your access, for kid you have to use , visa /amex / others for lounge access.

      Hope this helps.

      Regards

      Reply
  83. Hardik

    Are there any other banks which have such ‘card on card, offers? I hold HDFC Regalia card and YES Exclusive card. My income is not very high but my Regalia limit is Rs. 10 lakhs. Any other premium cards that are lifetime free which can be applied to on the basis of Regalia credit card limit?

    Reply
    1. Urluck

      Hardik,
      Congratulations for LTF YFE card.
      How u got a 10L limit on Hdfc Regalia ?? It was due to high relationship value with Hdfc bank or high ITR.
      MY regalia limit is 5L, recently increased ( doubled ) online due to good NRV with bank .

      Reply
      1. Hardik Parikh

        I have a very old relationship with HDFC Bank and it got increased to this limit over a period of 6 years of holding Regalia and 9 years of other HDFC variants before that.

        Reply
  84. SHILADITYA CHAUDHURY

    This is one of the best cards in the market today and if you can get it lifetime free, just go for it.
    I have been using this as my primary card for 6 months and it has all the benefits you would expect from a premium card and more. The best thing I like is you get 2.5% reward rate on ALL spends and no hidden clauses. Also, their charges on international spends are the lowest and the rewards on international spends are more than the charges which is awesome. I also love the free unlimited lounge access worldwide for both primary and add-on card holders. Also, Yes bank sometimes gives pretty interesting spend-based personalized offers which is awesome.

    I have 2 problems with this card –
    1> The rewards catalog is pretty bad. Not much options and you can’t convert points into cash. Only Amazon vouchers are worth. I think Yes bank needs to look into this very seriously
    2> The quality of the physical card itself is not great. First of all, it does not look like a premium card. Also, the imprinted digits on my card are starting to fade away which looks terrible
    3> I opted for Amazon gift voucher for reward point redemption but they don’t have e-voucher option. This is hard to believe in today’s world. They will send you physical vouchers over courier which is a pain. I was not available at my home address during weekdays which meant I had to call the courier guys multiple times to get it delivered. I can’t believe that Yes bank is still living in the stone age when Indian Govt. is also moving to digitial transactions everywhere. This is a serious issue for people like me where there is nobody at home during weekdays

    Reply
  85. sanjay

    Is this YF exclusive card is still available as Life time free ?

    Reply
      1. Pavan

        What was the criteria for First exclusive free credit card?
        I have a Citibank Indian oil credit card with 8L credit limit but I got the YES First Preferred credit card only in March. I didn’t even ask about the Exclusive credit card whether its free or not.

        Reply
  86. SHILADITYA CHAUDHURY

    One problem I have with the YES credit card is that the reward point redemption options are very limited. Earlier, they used to have Amazon Gift vouchers but that is also not available which is making the points somewhat useless to me. I am kind of forced to buy some Shoppers stop GV which I really do not need. Also, Yes bank sends physical gift vouchers and NOT e-vouchers which is really a pain and hard to believe in today’s world

    Reply
  87. SHILADITYA CHAUDHURY

    Please let me know if anyone has got the Amazon Gift vouchers.
    How are you redeeming the reward points? I have more than 50000 reward points which I would like redeem
    The rewards catalog is very limited. I have not tried hotel or flight booking though

    Reply
  88. Points Guy India

    Hello Sid,
    I recently received my Yes First Exclusive CC under card on card offer and i though i would share my experience,
    On 29th May, I went to the Yes Bank and expressed my interest in lifetime free YFE, I was told that i needed 10L credit limit on one year old card but as i had read on your blog that requirement is 8L, I told the cc guy that still he didn’t believe me and insisted that i needed 10L limit so i asked him to check with his boss and after he made a quick call to his boss, he finally accepted his mistake and accepted my request,
    I gave 13 month old Diners Club Black CC’s latest statement with 8,00,000 limit,
    On 9th June i received message from yes bank that my card is approved and will reach me shortly.

    Reply
    1. Amann

      Log on to net banking and see limit & other details of your new yes card. 🙂

      Reply
    2. Anoop E S

      @ Points Guy

      congrats on your new card…

      Could you please clarify w.r.t. Do they specify any % of the total credit limit on your DC black should be unutilized? I mean, like more than 40% or 50% of the credit limit of your existing card should not be used…

      Reply
      1. Points Guy India

        Usually they ask for unused 8L credit limit for card on card application, but it is not a firm rule, If your total credit limit is 8L and you have used 1L like i did then it is fine to them, but if u have 5L loan or emi on your card then you might not get your application approved.

        Reply
    3. John

      Hi,

      Did they give it as LTF? Also, do you hold any savings account with Yes Bank?

      Thanks

      John

      Reply
      1. Points Guy India

        Yes, YFE is lifetime free as i did sign the paper mentioning that when i applied for it,
        I do hold Yes First account with them with significant AQB, that might have also helped in getting YFE.

        Reply
  89. Anoop E S

    One Doubt…

    If we are ready to pay the fee, will they give YFE on a lower limit? like Rs.7.50 lakhs in DCB

    Reply
  90. Points Guy India

    I don’t believe in things like “Don’t use more than 30% of your credit limit or it is going to affect your cibil and all”, I have paid membership to cibil and i check my cibil score every week and high utilization has not affected my cibil,

    I have Diners Black with limit of 8,00,000 and on monthly basis i use 1,00,000 to 1,50,000, but once every six month i have used limit upto 4,00,000 to pay Insurance Premium and all,

    I received YFE with limit of 2,75,000.

    Reply
  91. ND

    It’s appalling that yes bank has removed iPhone from its electronics section and has only 3 products in that section of which 2 are kindle. They also do not have option for Amazon vouchers now or is there any way to get them through phone banking / offline.

    One thing to note here is Yes Bank has come to show its true colours of operating. They first made people spend a lot with all crazy rewards points offers while showcasing so many rewards redemptions options. Now that people have earned the reward points over the period they have removed most preferred redemption options. Have lost trust in them. Their reward points now look useless.

    Getting too many credit cards users on card on card basis and LTF cards may only be their way to show some numbers to their shareholders and one of the ingredients to get AAA rating I guess.

    Reply
  92. SHILADITYA CHAUDHURY

    I have used this card as my primary card for the last 6 months and have spent >10 lakhs and got a huge number of reward points. Earlier, I had redeemed against Amazon vouchers (physical ones, No e-vouchers) and some flight tickets but right now, I am struggling to redeem my points. I have to wait for a personal travel to book flight tickets with those points as other options are pretty useless after they stopped Amazon vouchers.
    I am starting to appreciate cards which allow points to be redeemed for cash or statement credit so that the reward points are actually used properly. I think this is the most important point when one is evaluating a credit card. We should not go mainly by the reward rate as it might be misleading. Useless rewards are actually forcing you to spend the reward points on unnecessary stuff rather than things which you actually need. I am starting to appreciate SBI card a lot more now.
    I am looking to replace this card with some other card as my primary card. I have SBI Prime but it does not have some of the premium features and SBI ELite is also not that useful.. I am thinking for Standard Chartered Ultimate, will check the finer prints before applying. Standard chartered has a pretty good rewards catalog including Flipkart and Amazon, so it is almost as good as cash and the vouchers are available as e-vouchers as well (no courier/post nonsense). Any other suggestions?

    Reply
    1. Prasenjit

      Yes bank wanted to compete with HDFC… there seem to be lot of HDFC influence in their interface etc. But with time we can make out that the difference is like chalk and cheese. Yes bank has a long way to go before they reach the standards of HDFC and Amex. In terms of of service they are long way behind. In terms of products they appeared to have the stuff that can match, but that doesn’t seem to be the case anymore. Diners Black is most rewarding but I hop they add more redemption options. But its still good enough if we use it only for travel needs. Amex is not as rewarding but the points have good liquidity, almost like money. SBI Simply Click is considered as lower end card, but I find it quite rewarding because of Amazon as a redemption option.

      Reply
    2. balaji

      You can go for IndusInd Iconia Amex card which has 1.5% cashback on weekdays and 2% on weekends. The accumulated points(1 point = 1 INR) can be redeemed against statement.

      Reply
  93. Amal Jain

    Eligibility Criteria: Minimum Net Salary of INR 400,000 per month or Income Tax Return of INR 50.00 Lacs and above.

    Reply
  94. Mohit

    Hi

    I have a Yes First Preferred card and I want to upgrade to Yes First Exclusive Card.

    I have DCB with 9+ Limit and not sure how to upgrade. When I called the customer care personnel wasnt aware of any procedure to upgrade? Has anyone else upgraded through “Card on Card” ?

    Reply
    1. Amann

      Hi Mohit

      The best person to advise you is your RM if you are a Yes Bank account holder. Otherwise contact the Credit Card guy at the Bank branch. Only these 2 can give you a clear picture. All others will say we are writing a mail for you etc. etc. and we’ll get back when we get a response from concerned team. Which in most cases does not go through.

      Reply
    2. Prashant Gupta

      Nope. Same case they are not upgrading card on card basis. I s have atopped using the card and got SCb ultimate instead as a backup card.

      Reply
  95. m s murty

    with this yesbank first exclusive-priority pass, can we access to lounges while arriving in an airport in india/abroad.
    i know while departing it has free access. while arriving, should we have free access with priority pass. i read some where it is free.
    msmurty

    Reply
  96. Shivam Chopra

    Hi I have a yes first exclusive credit card and I will soon be travelling with my siblings and will need domestic lounge access with them. So as per my knowledge I can get add on priority pass cards made for them and make them use the same for lounge access within india. But my question is that will those add on priority cards work for lounge access within india? And if they would how do i apply for the same for two of my siblings my younger brother and younger sister.
    Thanks in advance!

    Reply
    1. Rajeev

      Shivam,

      Please apply for add on card for them first once you received the add on card you can request for Priority Pass cards for add on cards.

      You can use add on card itself for lounge access in India. Please get in touch wit customer care executive for add on cards they will guide you.

      Reply
  97. Hari

    Received a targeted offer on my YFE today. Spend 25000 by 30th June, get Amazon voucher worth 1500 or spend 10000 and get Amazon voucher worth 500.
    Voucher fullfilment date 31st July.
    have anyone else received such offer?

    Reply
    1. Srikanth V V

      Yes, received the same offer.
      Is it applicable on wallet loads also? i didn’t find any information saying wallets is not allowed.

      Reply
  98. Vatsal

    An Update:

    They have changed the rewards points

    12 Reward Points per INR 100 spent on Travel Agencies & Tour Operators, Domestic Airlines and Diningd
    6 Reward Points per INR 100 spent on all other categories

    Reply
    1. Gagan

      Thanks Vatsal for sharing. Missed reading it and there was no email/notice from Yes.

      Reply
  99. Prashant Gupta

    Finally got invitation to upgrade to yes exclusive….finally…

    Reply
    1. Suman S

      Yes, I too got an invitation on Aug 17. I replied to the SMS and got a confirmation that the upgrade consent is received. Since I didn’t receive any further communication regarding the dispatch of the card, I sent an email to customer care yesterday. Today, I received a response from the customer care saying they didn’t receive my confirmation and took the confirmation request over the phone and sent an email to me saying my upgrade will be processed in 3 working days and I will receive the card in 9 working days. If anybody is waiting for the card after giving the confirmation via SMS, it’s better to contact customer care and confirm.

      Reply
  100. Tejas Ghongadi

    Looks like there has been a blanket Invitation for Upgrade from YFP to YFE. I have a group of like-minded people on a whatsapp group where we discuss a lot about credit card and other personal finance related stuff. Three people have YFP for a message to upgrade to YFE almost at the same time. And everybody got it as LTF.

    I got my YFP just 5 months back. Have used is decently though never as my primary card. Added a huge list of AutoPay Billers to get those 1000 Reward Points for adding each biller. Ended up getting 12000 Bonus Points and 1000 Rs. Bookmyshow vouchers for these Biller addition.

    Reply
  101. Amit Gupta

    Hi Sid,
    I am holding Yes bank first preferred card . I have been offered Yes bank first exclusive card. I just want to check how much reward point i will earn for any amount transferred to wallet like paytm. Actually on the website it is written as 6 reward point on retail spend.

    Reply
    1. Prashant Gupta

      Yes you will get 6 reward points. I have a different question: How much points does 1 earn if the card is swiped for making payments in a hotel? 12 or 6?

      Reply
  102. Naresh kumar

    DCB also has the credit shield if I am not mistaken. Referring to the fact that you have mentioned credit shield you have seen only on HDFC infnia only.

    Reply
  103. Gaurav Sharma

    Hello All,
    What is the procedure for applying Yes bank exclusive credit card based on the card on card scheme. I have a regalia with 8.5 lakhs limit.

    Reply
  104. Rajesh

    I have Citi Rewards credit card with limit of Rs. 10 lacs. However, this is an add-on card the primary membership being in my father’s name. Am I still eligible for Yes Bank First Exclusive credit card on the basis of my citi rewards card?

    Reply
    1. GTMAX

      No. But your father is eligible and then you can again take an add on card for Yes First Exclusive.

      Reply
          1. Arun

            How do I apply for YFE card on card-to-card basis? I’ve PRIME and DCB, more than one year old.

          2. Anoop E S

            and they insist that total balance outstanding should be less than 50% of the limit.

          3. AG

            The card has to be an year old?
            Or the limit has to be an year old?

  105. Mickey

    Is SBI Prime with 4 lac limit eligible for YES Preferred or Premia by any chance card-on-card basis?

    Reply
    1. GTMAX

      Yes, eligible for Yes Preferred if that SBI Prime is also more than 1 year old.

      Reply
  106. Arun

    Has anybody ever used their “Emergency Towing & Roadside Repair Assistance”?

    Reply
  107. Mitesh G

    I just got the upgraded card. I wanted to confirm if the RPs are transferred smoothly to the new account?

    Reply
  108. M. Upendran

    Got this card today after 15 months of “Preferred” card usage and spending about 3+ lakhs. Two things were disappointing – first is the limit is still the same and second is Yes bank has trimmed down the beautiful packaging. So the card and Priority pass came in a normal cover.

    Reply
    1. Praveen Katiyar

      @ M Upendran
      Do not worry, after I got upgraded to YFE, and used it for 6 months I got back to back LE. Enjoy the blessings.. PP for add on, lowest FCY and mostly LTF. Do not be sad for small things like packaging, it’s wastage of money & environment. You would anyway throw it someday.

      Reply
    2. Himanshu Kainth

      M. Upendran,

      I did spend over 4L+ last year. On escalation they have upgraded my card to YFE. Told me to enhance limit you meed to share IT docs. The moment i shared, the card generated (YFE) got downgrade to YFP. And they don’t have offers for my account. Ridiculous!!

      Reply
  109. sanchit goyal

    I got upgraded to yes first exclusive card after i stopped using my yes first preferred card in favor of hdfc regalia (since march 2019).
    International lounge access for both primary and add on card member is its best feature. Its reward rate is slightly better than regalia (if we donot consider 10x reward points). Next on my wishlist is DCB which is hard to get these days. With my extensive hdfc regalia usage i hope to get it soon.

    Reply
  110. ka

    Has anyone used their First Preferred or First Exclusive card on IRCTC.co.in !? Do such spends earn 12/8 % points (on Travel and Tour Operators category on FECC/FPCC) or 6/4 % points (on Travel and Tour Operators category on FECC/FPCC)!?

    Do the spends on IRCTC.co.in by any chance fall under Travel and Tour Operators (Merchant Category Code: 4722) category as defined by MasterCard!?

    Reply
    1. Mouli

      Ka,
      Better use MakeMyTrip to book train tickets that way it is eligible under Travel and Tour Operator Category

      Reply
  111. Aman

    Be aware, LTF does not come with welcome points or the Taj Epicure. I got a credit limit that is 18% of my Infinia.

    Reply
    1. AG

      Hi Aman,
      Did you apply for YFE on card to card basis?
      Can I please know the limit on your Infinia please?
      And what were the documents they needed, and how long did they take to process it?

      Cheers.

      Reply
      1. Anoop E S

        You can apply for YFE on card to card basis if the credit limit on the other card is more than Rs. 8 lakhs and utilized limit is below 50%. Directly apply on their website and when the call comes tell them that you want to apply on card to card basis. if i remember right, KYC documents and other card latest statements only needs to be submitted.

        Reply
    2. Anoop E S

      my limit on YFP was around 10% of ICICI Sapphiro that time. it still continues after upgrading to YFP

      Reply
  112. Abby

    Used my YFE/PP at Miracle lounge Bangkok airport last week. Worked like a charm.
    Strangely Miracle lounge has pretty bad reviews over the internet but i found it much better than Plaza premium.

    However, i still wonder why the PP’s do not come with a PIN. Is it because anyways it is useless for anyone else than the card holder due to the boarding pass requirements with the same name?

    What do you guys think about it?

    Reply
    1. Shivi

      Good it doesn’t come with PIN ~ would be another headache to remember a useless thing such as a PIN which is nothing but a psychological gimmick. All transactions go through on a PoS without a CVV or PIN

      Reply
    2. Rakesh

      I do echo your comments Abby 🙂 no where else these PP can be used 😉 Mirae lounge works good they accept both PP and diners cards ..their drinks and food collection is good too ! But felt tricky to identify it !

      Reply
      1. Abby

        Hey Rakesh. Yes their drinks and food was really good. Couldnt ask for more. Was carrying 2 PP’s with me, one from Regalia and other from YFE. Don’t know why but had some doubt in mind that the one i got with YFE might not work at POS 🙂 So carried PP from Regalia as a backup. Not sure which one i used at the lounge though. I see there is no verification transaction or any recorded transaction in the statement as well. Doesnt it show up in the statement the way Plaza premium lounge access shows up?

        Reply
        1. Rakesh

          Hey Abby.. I used both my PP and diners card in International lounges incl Plaza premium and Other ones like Mirae, no sign of charge on diners cards , at least 2rs charge is done on domestic lounge access.l, but at international ..they swipe and take sign but no charges at all ..not even 2 rs !

          Reply
    3. Varun

      Well I hold around 3 PP from different banks and I have always managed to use it for my family member abroad. They do not often match the names and allow it. None of my family member was ever denied.

      Reply
      1. Abby

        Thanks Varun. Thats a useful piece of info. Whats the general age criteria of international lounges for kids? Beyond what age do they expect us to provide a PP for a kid as well?

        Reply
        1. Varun

          As per PP guidelines lap kids ( below 2 yrs ) will be allowed free. For rest you will need a PP.

          Reply
        2. Mohit Arora

          Varies from lounge to lounge. Some lounge in Bangkok allows below 5 years for free and some even up to 7-9 years age. Everything is mentioned on priority pass website. If you are visiting any country, just check lounges available. Try to go to lounge which allows baby of your age and sometimes they have play area for kids separate. So thats also a plus point which u can check on PP website.

          Reply
  113. Rishi Kapoor

    Hi, I hold a 9 month old HDFC Diners Club Black with 8.5L limit(just updated from 7-8.5L. ). How do I apply for YFE as their site application is not taking request due to higher income requirement

    Reply
    1. Praveen Katiyar

      @Rishi
      Apply for any Yes card, when you get the call tell representative that you want YFE card on card basis.
      Hope it helps.

      Reply
      1. Rishi Kapoor

        Thanks, did apply and also went to the nearest branch to ask them. Got call from 2 sets of people for my documents and 1 came in the afternoon and collected all the details. Hopefully will get further approval details in a few days

        Reply
  114. Praveen Perumalla

    I strongly feel the title should be renamed to exclude ‘A competitor to Infinia’

    Reply
      1. Shivi

        This sentence from the first paragraph needs to be deleted too Sid – “It looks like every benefit of the card is designed in such a way that its positioned as a direct competitor to HDFC Infinia Credit card, infact its better in many aspects”.

        Reply
  115. Arjun Jayasimha

    Yes Bank Credit Cards blocked for a month from March 5. Reward points locked up. Unlimited priority pass also not applicable anymore.

    Reply
    1. Siddharth Post author

      Thanks for the update. Ideally all outflow of cash has been stopped.

      Reply
    2. MT

      can you please post communication here , i haven’t received any

      Reply
      1. Mouli

        goto yesbank.in,in the homepage mentioned this

        in exercise of the powers vested under sub-section (1) of Section 35A of the
        Banking Regulation Act, 1949 hereby directs that Yes Bank Ltd., from 2000 hrs on March
        5, 2020, shall not grant or renew any loan or advance, make any investment, incur any
        liability or agree to disburse any payment, whether in discharge of its liabilities and
        obligations, or otherwise enter into any compromise or agreement, or shall transfer or
        otherwise dispose of any of its properties or assets, except to the extent and in the manner
        provided hereunder:

        Reply
  116. Mouli

    That’s too much to bear,I used my YFE card last night and till 2 am today without any issues
    When tried with debit card,it didn’t allow and the otp page didn’t load
    Has anyone faced issued using Yes credit card?
    Not sure whether post Moratorium all the reward points and the card features will remain the same.
    Most likely yes will be merged with another bank

    Reply
    1. Siddharth Post author

      Yeah, all services down. Unable to use both CC/DC.

      Reply
      1. Abhishek Roy

        Really bad. Hope things sort out soon. A lot of people have a significant exposure to the bank and it’ll be really tough to swallow a failure at this stage.

        Reply
  117. Mouli

    Don’t think it will take a month time
    Prior to this for GTB ,they gave 3 months moratorium and the issue is resolved in 2 weeks .
    Limit given in GTB was 10000.Then there was a merger,GTB became OBC and all limits are removed

    Reply
  118. Prasenjit

    Not sure how long the freeze last… In case of PMC bank, there is no progress after 5 months. But of course PMC was/is(?) a cooperative Bank.

    Reply
  119. SM

    Will the smartpay payments ( Utilities, Mobiles etc) scheduled via YFE card be honored?

    Reply
    1. Shawn

      Nope. I confirmed with Customer Service this morning, and they stated that all standing instructions have been halted as well.

      Reply
    2. SS

      Hi got this mail, hope it’s help.
      Dear Customer,

      This is with reference to the press release by the Reserve Bank of India (RBI) dated March 05, 2020 and Ministry of Finance Notification, S.O. 993 (E), issued on March 05, 2020, which made an Order of Moratorium in respect of YES BANK Limited from March 5, 2020 till April 3, 2020.

      During this moratorium period, scheduled bill payments and transactions on YES BANK’s credit cards will be impacted.

      We request that you make alternative payment arrangements for any standing instructions on your credit card. We regret the inconvenience caused.

      Look forward to your continued patronage.

      Thank you.

      Sincerely,
      YES BANK

      Reply
  120. Sam

    I have transferred my amount to other bank a/c yesterday. Today I fill a/c closure form & submitted to branch.

    Reply
    1. Abhi

      Did you get a hint ? I had 25K points, never had used it for lounge (was planning to use for Intl lounge but the plan postponed due to Corona 🙁 ) and I had 377 credit in my CC and now all is gone. Maybe I’ll get 377 back once CC is usable. However 25K points surely won’t be any value now. And unlimited PP & DCB backup (for lounge) is gone.

      Reply
  121. Captain Bishuddha Bharatiya

    It’s not allowing us to pay Credit card dues online. Customer care told me to make cash payment in branch but I don’t want to pay Rs. 118 as cash deposit charge.

    Reply
  122. Naresh kumar

    This bank deserves this block.
    They are worst in their credit card rewards.
    Reward redemption is stupid because for vouchers redemption they send you the vouchers and charge a redemption fees.

    Even after heeavy usage after 6 months, 50k credit limit on yfp and no upgrade to yfe.
    Petrol bunks sometimes charge 3% fuel fee for transactions above 400 rs and they don’t help getting it rectified for customers.

    Reply
    1. Shivi

      All banks charge reward redemption fees. For credit limit increase contact customer support. And the petrol surcharge is given as cashback in the next statement cycle.
      Read updated tnc on site to keep unnecessary BP increase under control.

      Reply
  123. Abby

    Thank God i paid my credit card bill online itself just 2 days back. Also used their PP last week at Bangkok airport lounge. But i am able to see my rewards for YFE in my netbanking account. Nothing gone yet. Lets hope for the best.

    Reply
    1. Aman

      I paid my card bill on 6th march online via netbanking of yes bank it was done smoothly and it was credited to the card instantly . But i redeemed my point on 5march night immidiately after news and it was done instantly for shopper stop vouchers and i got the conformation email also yes bank rewards now waiting for the dispatch of voucher cards fingers crossed 😉

      Reply
  124. urluck

    Now what are the other bank cards available ( except HDFC ) for free international longue visit with priority pass ? Is there any lifetime free cards with free Priority Pass and longue visits ??

    Reply
    1. Shivi

      ICICI Emeralde, StanC Ultimate, recent ones by RBL and IndusInd to name a few still give International lounge access. Not all on PP platform, some on DF are there.

      Reply
      1. Abhi

        StanC Ultimate ? The kind of qualifying TnC they have, we shouldn’t really even be counting this. After qualifying, max you get is 1 access for the month. So in all likely you won’t be able to use it for any int trip which would easily involve 3+ airport usually. (Return + 1 n between transfer.)

        Reply
        1. Mohit Arora

          I use Diners black or Yes bank preferred card PP. Get 4 access on it and as u said out of 4, 3 get spent in 1 trip. But still worth it.

          Reply
  125. Varun

    I have over 1.75 lacs reward points for Yes Exclusive card. Have they gone now
    I have a pending bill of 1.4 lacs as well. How to pay it now.

    Reply
      1. Naresh kumar

        Can you please stop spreading rumours that points are gone?
        They are not gone, they will be available like other services when they reinstate just with different rules if sbi starts full fledged takeover.

        Reply
  126. sanam

    My Yes bank bill will fall due on 5th of April. How to make the payment as online modes are not working.

    When moratorium is lifted ON 3rd April will we be able to make payment? This is the last resort option.

    Reply
    1. Gautam

      If you have a yesbank savings account you can pay up to the utilized limit from the mobile app. Go to the cards section and select the bill payment option.

      Otherwise, you can wait until the moratorium is lifted in the first week of of April.

      Reply
  127. Abby

    SBI seems to be taking 40% stake in Yes bank to revive it from its situation. I somehow feel YES bank will continue with the same name and we may continue to receive the same benefits we have today.

    What do you think guys?

    Reply
      1. Prashant Gupta

        So cred sent a message today that payment has failed and i can get refund. The problem now is last date was 7th march and they sent message on 9th. First time in my life i have an overdue message. If i make payment today will it effect my cibil.

        Reply
  128. Prashant Gupta

    I made a payment to my card on 5th from cred and it is still showing processing and not reflecting in card. Last day was 7th. Got a payment overdue message from yes ban that if not paid in next 3 days it will report in cibil. Should i pay again directly now not take a chance.

    Reply
    1. Tarun

      That’s surprising. I also made my YFE payment on 5th March using CRED with last day on 7th. I got a confirmation message on 5th from CRED and on 6th from Yes bank. Rechecked on yes bank NetBanking as well.

      Reply
    2. mohan

      you can pay through neft payment from any net banking by adding beneficiary and Use IFSC code: YESB0CMSNOC or call the customer care they will guide you for more information.

      Reply
    3. Prashant Gupta

      I got the refund from CRED in my account. I have paid directly to card now. I hope it does not impact score. I generally clear all my dues 5 days in advance in case such situation arise and first time i took a chance and this happened :-).

      Reply
  129. Shail

    I was listening to SBI Chairman’s. SBI can invest up to 49% (and not necessarily 49%… The fine prints are yet to be out by 9th/10th Mar).
    Secondly, Yes bank as brand will remain as it’s neither a merger nor acquisition, however, the cards can be rebranded and benefits may change. Let’s understand judiciously, Yes bank, at this point can’t afford to extend the same privileges when it has gone down the drain…It’s credibility is lost. Look for other avenues.

    Reply
  130. Abhi

    According to CC, any dues on card can be cleared from today using Neft, Billdesk, cheque drop, etc. But card wont work until 3Apr, whether online or offline. Reward points will remain intact and valid for redemption after 3Apr. That’s the story as of now..

    Reply
  131. urluck

    We need to search another card giving unlimited airport lounge access thru’ priority pass ( other than HDFC BANK ). Sid can suggest us such card with LTF variant if available ?
    Difficult to find Infinia competitor now.

    Reply
    1. Siddharth Post author

      Most of us don’t actually need “Unlimited” PP lounge access. Unlimited is just an illusion. I’ve used PP only 3 times or so in last 2 years.

      Reply
      1. urluck

        I agree with you Sid. We need more domestic lounge access than international. Which are other LTF cards with PP and complimentary international lounge access ? I am having HDFC Regalia with 10L limit and YFP.
        HDFC and YFP are LTF till today and that’s why i have not accepted HDFC infinia, which was offered to me with annual fees.

        Reply
      2. Abby

        Agreed that unlimited is not much of usage. But i guess the advantage with YFE is PP for family members as well and if you are a family of 4 travelling on an international trip with multiple hopping with flights it provided easy access to all in their own names and you need not get worried if you have already exceeded the count of accesses you already made. “Unlimited” comes as a real saviour on such a trip when you need access to multiple lounges on a single trip with your whole family, even if its once in a blue moon.

        Reply
        1. urluck

          but it does not cover all add on card members also. I agree with Abby, PP with unlimited lounge access is required for all family members – as add-on card members – for at least once a year international trip. One trip includes minimum 3 internation lounge access per person due to connecting flight. Till today, it was Infinia ( annual fees ) and YFE ( LTF ) – only two options available.
          Request Sid to give us some solution to this.

          Reply
    2. Amex Guy

      If someone actually needs unlimited PP, Citi Prestige should appear better than free for them. For a frequent international traveller simply not getting Prestige should be at least a 10K a year mistake.

      Reply
      1. Shivi

        @Amex Guy – Were you able to get your hands on Ultima Infinite?

        Reply
  132. AshishR

    i agree , unlimited lounge/spa and LTF card concept is just illusion
    nothing last forever

    Reply
    1. Shivi

      What do u mean by nothing lasts forever? How does that even apply to PP?

      Reply
  133. RM

    HDFC Infinia still has unlimited PP and the annual fee is waived off if you spend 8 lacs/year. Even if the fee is charged still you get 10000RP which is equivalent to 10000₹ when used for travel in the smartbuy site.

    Reply
  134. Saurabh

    Which other bank credit cards can be applied on card to card basis if one has 8L credit limit on primary card and card is more than an year old with no late payments.

    Reply
  135. NITIN GUPTA

    Yes First Exclusive: The rewards value is changed 1 Reward Point = Rs 0.149

    Reply
  136. Unknown

    What is the redemption rate for a flight ticket or a hotel booking. Redemption on GV is pretty useless and its expensive also….For a 5000 voucher, you have to redeem 33000+ points

    Reply
  137. Sambhav Patni

    Got my YFE LTF today.

    They have just sent in in a plain envelope (even my Regalia came in better packaging). No priority pass is supplied also along with it.
    Customer care said I have to download form and send it to their Chennai address for PP.

    Reply
  138. Ankit

    This card has lost all its mojo except the unlimited lounge access, which I believe will also be limited in some time when travel resumes. Multiple devaluation happened to this card in last 1-1.5 years. They removed Amazon GV from redemption, then reduced the points earned per 100rs, then increased the minimum spend for earning rewards (200 from 100rs) and finally reduced the rewards redemption value for gift vouchers (flight is still the same @.25re). I used this card only a couple times for the card discount it offered on flight tickets for my family members in the last 7-8 months (total 25K). I keep it only because its LTF, else would throw it away in dustbin.

    Reply
  139. anonymouss

    hi, i have a citi premier miles credit card with a 7.5 lakhs limit . Recently i applied for a LTF yes bank first exclusive credit card on card to card basis. A yes bank employee came to my house to collect the form and other verification documents and said that if you have limit over 6 lakhs in any card then you are entitled to get a LTF yes bank first exclusive card . I got 2 verification calls from yes bank and people came to my house and my office for verification and a positive verification was sent to the bank. Three days later i get an email from the bank saying that due to internal policies of the bank we cannot provide you with yes bank exclusive card at this moment but you can apply for any other variant of card other than yes bank exclusive.
    what should i do as i have cards like citi premier miles, sbi elite, hdfc business regalia, axis vistara infinite with all similar credit limits.

    Reply
    1. Aman

      The same happened with me as well. I have complained about it to the grievance redressal but did not receive any response yet.

      Reply
    2. Sukant

      You can take the Yes Preferred which will be upgraded to Yes Exclusive after 6 months. It happened in my case. Exactly in 6 months i got SMS for upgrade. I just had one bill payment added for autopay

      Reply
  140. Anonymous

    Maybe take a step back & think why am I collecting all the useless cards?

    Reply
  141. Anonymous

    My yes bank exclusive card request was declined and yes bank was offering me a preffered card , I did not go ahead with the preferred card. After 2 months I got a call from yes bank sales employee and he offered me yes bank exclusive saying that earlier it was declined and now he has have taken approval for the exclusive card as my limit on my premier miles card is 7.5 lakhs. Listening to his talks I applied again for yfe and again it got declined. What I need to do??

    Reply
  142. Jai

    This card has become useless now. 12 points for 200 Rs and each point is 0.1 Rs which is 0.60%. This is no more an Exclusive card and any low end card is giving better rewards than this card.

    Reply
  143. Ankur

    Applied for this card (LTF) on card-to-card basis of my HDFC DCB. Got a message saying card approved. On receiving the card, I was shocked to find Prosperity Edge with 30K credit limit!
    I had clearly filled up YF Exclusive application and ticked the box confirming the same. Even Customer care is agreeing that they have the YFE application. On escalating to grievance team, I am told that since I wasnt “eligible” for YFE they downgraded it.
    Ridiculous! No one had any idea on what happened, and after a month of calls and emails, they are giving this stupid excuse as they dont want to agree that they screwed up at the back-end.
    As Sid mentioned in beginning of this article, Yes Bank is unstable, and avoid any of its card.
    For me its a big dent on my Cibil score, getting a hard enquiry by Yes Bank and then closing a new card in a week

    Reply
  144. Vikram

    The card has progressively become almost completely useless even as an LTF card. I just called up the customer care to close my card account. Looks like there will be a cool down period of 60 days during which if I use the card again it will become active again. I immediately removed the card from my wallet to make sure I don’t accidentally use it.

    Reply
  145. Anu

    Applied for yesbbank exclusive on website. But was not eligible and was showing other card below yes preferrd. I didnt go ahead with application. Later CC contacted me and i demanded for eclusive card as i have premium card from hdfc with high limit. They said now i am eligible for exclusive but they couldnt give it for lifetime free. I said its showing LTF on website. But they said the offer is no more and now both the exc and pref are chargable cards. I declined the offer. Anyone received it LTF recently?

    Reply
  146. Fahd

    Applied for this card as LTF basis my Citibank Premier Miles credit card which has a limit of 11.6 lakhs. I applied on the 8th of April 2021 and received card today on 20th of April 2021.

    Application process was smooth,,i was not able to directly apply on the website since i did not meet the criteria of Net monthly income of 4 lakhs per month. Wrote to Yes Bank on Facebook and got a call from their executive who sent me another link to apply where i applied on card to card basis. Only Video KYC was done and no other document collection etc was done.

    Received card with limit of only 3 lakhs. Disappointed with the look and feel.. Card came in an envelope similar to the ones we get low end cards in. Priority pass benefit is still there but it is not dispatched by default. Will have to download and print form to do that. Guess they want to make it difficult for people to apply and use priority pass. Plan to do it once lockdowns end.

    Reply
    1. Vaibhav Jain

      Hi Fahd,

      Could you please share how did you apply for this card?
      was it via their customer care or online?

      Thanks,
      Vaibhav

      Reply
  147. Mugunthan

    @Siddarth

    Star rating for this card needs an update. I am holding this card (LTF) from 2019.

    In 2019 and 2020, the reward point conversion is 4000 reward points = Rs. 1000 voucher (ex: Cleartrip).

    In later part of 2020, it was devalued to ~6600 reward points = Rs.1000 voucher (ex: Cleartrip).

    Currently it is still devalued to 10000 rewards points = Rs.1000 voucher (ex: Cleartrip, Amazon).

    Current rewards earning structure is almost the same as in 2019.
    1. 24 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Diningd

    2. 12 Reward Points per INR 200 spent on all other categoriese

    ==
    ** However, I am not sure, about the fees paid version, whether the bonus points adds any value to this card.

    Reply
  148. Abby

    I think this card is about to get devalued to the core in another 2-3 rounds. They are removing the unlimited domestic lounge access from 15 june 2021

    Reply
  149. Amitabh Maheshwari

    Massive devaluation of yes first exclusive and preferred cards with effect from 15th June 2021. Reward points on exclusive halved for all categories of spends. Lounge access reduced from unlimited for primary as well as add on card members to just 3 per quarter, and that too only for primary card holder. This card has now completely lost its sheen and should be named as yes first ordinary.

    Reply
  150. Abby

    Just spoke to the customer care. They confirmed that everything related to lounge access for primary as well as add on member remains the same except that unlimited is now capped at 3 visits per quarter. Well i hope that know what they are talking about because the statement in T&C are misleading and tends to indicate that add on members access is being revoked !

    Reply
    1. Siddharth Post author

      Exclusive – yes. But it seems add-on access is revoked for preferred. Checked on that as well by any chance?

      Reply
      1. Vinay Kapoor

        I cannot see anywhere written that for exclusive domestic lounge access has not been revoked. Their website says clearly that only for primary card holders, access is granted

        Reply
        1. Amit

          Please do share half baked info until you are sure. For that matter, do you see this written anywhere that access “ONLY” for primary card holders is granted. Do you see this written anywhere that access for add on card holders is revoked?

          I agree with Abby’s comments above that their T&C is unclear and leads to confusion. I also gave a call to cc just now and they are sure that access for add on card holders (YFE) has not been revoked. Only the cap has been put to 3 visits per quarter for YFE holders – primary as well as add ons

          Reply
          1. Vinay Kapoor

            Same applies to your comment as half baked knowledge. Trusting executives if not a sure shot way. Only written in black and white will be accepted when dispute arises

  151. Amit

    Mr Kapoor Hats off to your knowledge and the way you have enlightened all the members here with your 100% confirmed news the way you did. Please guide us the way ahead. What do you suggest now? We should not trust the black and white write ups, we should not trust the customer care executives.

    So now whom do we need to trust? You ??

    Reply
  152. Arvindkumar Venkatesan

    Sid, Thanks for this forum. Thos is more of a one stop place to get all info about credit cards and am a regular visitor to your blog. I just wanna share about some info related to Exclusive card. I had Yes Preferred card for past 3 years as LTF and since it got devalued last year I stopped using that card. I got a call from Yesbank and I requested for upgrade only if it’s a LTF card and they did it and I got the card in 10 days. Later I got surprised with their further devaluation. Currently the Yes reward points is equivalent to .1 Rs which is just .6% value back. I think you may need to update the rating for this card as this is just useless now.

    Reply
  153. NSY

    I have added amex credit cards in bill payment section and pay amex card bill from Yes First exclusive card today. During payment , no charges mentioned, but not sure. Is there any charges on card to card payments ?
    YES PayNow is allowed for making card to card payment to me via Yes bank online portal.

    Reply
    1. Ashish

      Were you charged for payment, also did you get reward points for same.

      Reply
  154. Rutuja

    I am getting an offer to get Yes First Exclusive card LTF (card to card basis). I already have HDFC DCB LTF, so I get unlimited lounge access – both domestic and international.

    Should I opt for Yes First Exclusive as well? It will give unlimited gloabl lounge access through Visa LoungeKey program. Not planning to use this card for any spend.

    Reply
  155. AMIT AGARWAL

    earn rate of 2.5% as compared to 3.3% on Infinia, every other benefit is outstanding and is exceeding the expectations, like with Finance charges. In-fact 2.5% reward rate is quite better than most other cards in the industry.

    Hi Sid,

    Is the above still true, if not could you update the site continuously or pout the date of the review.

    Regards,
    Amit.

    Reply
  156. Satya

    Why did Yes first exclusive reduced their rewards conversion drastically which is disappointing? I was planning to take this card, but looking at reward rate it seems totally not worth, an entry level card is much better than this. Any suggestions ?

    Reply
  157. Anonymous

    Applied for a yes first exclusive credit card on card to card basis based upon my existing hdfc regalia. The limit on my regalia is 980000, hence the yes bank person told me to apply for yes first exclusive cc, which I did.
    My card got approved and to my shock I had applied for yes first exclusive and they sent me yes first preferred and that too with with limit of 74000 only. I have many credit cards and all have limits above rs 500000 in each of them. On escalation to the team who took my application ,they say that they are clueless as how this has happened and the senior of credit card told me that he is placing a request to upgrade to exclusive as I was initially eligible for it. The only reason that I had applied for yes bank card is that I travel overseas very frequently and exclusive comes with unlimited overseas lounge and its free for life.

    Reply
  158. Rahul

    Time to update article I guess. Domestic unlimited lounge access is withdrawn and even international is now available for only primary card holder . This has been further devalued.

    Reply
    1. KA Prasad

      To my knowledge, unlimited international lounge access for primary and add on cards continue.

      Reply
  159. Abhi

    From 17Oct, Dining and Travel spends will get 16 RP per 200, capped at 3K pm.
    Annual spend milestone which was already meager, is being withdrawn.

    Reply
  160. Abhi

    2X on Oct spends.. potentially can double dip with YesCart. Incremental RP capped at 4K. Wallet load excluded.

    Reply
  161. Andy

    Airport Lounge Access – Changes to commence from 17 Oct

    (a) Domestic 3 Per Calendar Quarter

    (b) International – Changed from unlimited to 6 Per Calendar Year

    Reply
    1. Gaurav

      ya just heard from customer care .
      Does this means that previous visits in the same quarter will be counted as well?

      i took 3 visits already before 17th.

      Reply
  162. Subrata Mukhopadhyay

    Hi Sid, I think this card needs to be reviewed afresh, as so many changes has taken place in last two years.

    Reply
  163. Maulik Sheth

    Just got an awesome deal from Yes bank. They are offering 5x bonus reward points for a year for a one time fee of Rs. 1800+324gst. Maximum cap of rewards points earned is 1,50,000 during this period.

    This takes the airline and hotel earning rate to 15% (for flight redemption at Rs. 0.25 per point), regular spend at 7.5% and even restricted spend at 3.75%. Better than Infinia!

    Reply
    1. Siddharth Post author

      Thanks for sharing the offer details Maulik.

      Reply
  164. Amit

    Anyone has any updates on the latest complimentary lounge access available for primary and add on card holders for YFE card? Any good/bad experiences with lounge access using this card recently kindly share. Thanks

    Reply

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