YES First Exclusive Credit Card 2025

Unlimited Lounge

1.5% Forex Markup

4X Reward Points

₹9,999 Fee

Get over ₹50,000+ value with unlimited lounge + lowest 1.5% forex + premium perks!

Ultra-premium travel card! YES First Exclusive gives unlimited lounge access, lowest 1.5% forex markup, 4X reward points, and luxury hotel & golf benefits.

Perfect for global travelers!

Why Choose YES First Exclusive in 2025?

Unlimited lounge • 1.5% forex • Priority Pass • 4X everywhere • Golf rounds • Hotel upgrades

Best for: International travelers, luxury seekers, high spenders

Apply Now → Unlimited Lounge + 1.5% Forex

₹9,999 JOINING FEE – Priority Pass + 15,000 Welcome Points!

Card At a Glance

Joining Fee
₹9,999

Annual Fee
₹9,999

Reward Rate
4X All Spends

Lounge Access
Unlimited + Priority Pass

Forex Markup
1.5%

Welcome Gift
15,000 Points

Complete Fees & Charges

Particulars	Details
Joining Fee	₹9,999
Annual Fee	₹9,999
Reward Points	4 RP per ₹100
Forex Markup	1.5% + GST
Interest Rate	3.6% per month
Fuel Surcharge Waiver	1% (up to ₹500)
Cash Advance Fee	2.5% of amount

Detailed Reward Rates (2025)

4 reward points per ₹100 on ALL spends
1 RP = ₹0.25-₹1 (travel redemption)
15,000 welcome points worth ₹15,000
Milestone: 25,000 RP on ₹10L spends
No expiry on reward points

Airport Lounge Access

UNLIMITED domestic lounge access
Complimentary Priority Pass (international)
2 guest visits free

Insurance & Protection Benefits

₹3 Crore air accident cover
₹1 Crore personal accident cover
₹50 Lakh emergency hospitalization

Pros & Cons (Real User View)

Pros	Cons
Lowest 1.5% forex	₹9,999 high fee
Unlimited lounge access	No fee waiver
Priority Pass included	High income required
4X everywhere	YES Bank network
15K welcome points

Eligibility Criteria & Documents Required

Age: 21–60 years
Minimum Annual Income: ₹30 Lakh
Credit Score: 780+ required
Documents: PAN, Aadhaar, ITR

How to Apply Online (3-Minute Process)

Visit YES Bank website
Select First Exclusive → Apply
Fill high-income details
Video KYC verification
Card + Priority Pass in 10 days

Final Verdict – Should You Get It in 2025?

Best forex + lounge card! Lowest 1.5% forex + unlimited lounge + Priority Pass = ₹50,000+ value. Perfect for global travelers!

Frequently Asked Questions (FAQs)

Lowest 1.5% forex?

Yes! Best in premium segment.

Truly unlimited lounge?

Yes! Domestic + Priority Pass international.

4X on ALL spends?

Yes! No exclusions.

Priority Pass free?

Yes! Included with card.

High income needed?

Yes! ₹30L+ annual income.

Apply Now – Unlimited Lounge + 1.5% Forex