Yes Bank First Exclusive Credit Card (Best for Forex Rewards)

Credit Cards Yes Bank
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Key Benefits & Features of Yes Bank First Exclusive Credit Card

1. Forex Spending Benefits

  • Earn 2.5% value-back on forex transactions, making it one of the best credit cards for international spending.
  • A low forex markup fee of just 1.75%, significantly lower than the industry standard of 3.5%.

2. Reward Points & Redemption

  • Earn 10 Reward Points per ₹100 spent internationally.
  • Convert reward points into flights, hotel stays, gift vouchers, or cashback.
  • Points never expire, so you can accumulate and redeem them at your convenience.

3. Travel & Airport Lounge Benefits

  • Unlimited complimentary international lounge access at over 1,000+ lounges worldwide via Priority Pass.
  • Free domestic lounge access at select airports in India.
  • Exclusive travel concierge services for flight bookings, hotel reservations, and travel planning.

4. Insurance & Protection

  • Travel Insurance Coverage:
    • Air Accident Cover: Up to ₹1 Crore.
    • Lost Baggage Insurance: Covers lost baggage and passport.
    • Flight Delay & Trip Cancellation Coverage.

5. Luxury Hotel & Dining Privileges

  • Get exclusive discounts and premium benefits at 5-star hotels and luxury resorts.
  • Special dining discounts and offers at top restaurants across India and abroad.

6. Golf & Entertainment Benefits

  • Enjoy complimentary golf lessons and access to premium golf courses worldwide.
  • Access to exclusive events, concerts, and entertainment experiences.
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How much value-back do I earn on forex transactions?

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You earn 2.5% value-back on international transactions in the form of reward points, making it an excellent choice for frequent travelers.

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Does this card provide concierge services?

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Yes, it offers 24/7 global concierge services for travel bookings, event reservations, and dining privileges.

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I’d rather not carry my physical card everywhere. Can I link my Yes Bank First Exclusive Credit Card to Apple Pay, Google Pay, or Samsung Pay and use it abroad?

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Yes carrying a physical card can be inconvenient especially during travel. However as of right now Yes Bank does not officially support linking the First Exclusive Credit Card to Apple Pay GooglePay or Samsung Pay for contactless payments abroad.
That says the card does come with tap-and-pay functionality so you can still make contactless payments at international merchants that accept Visa payWave. You can use the card for online transactions without needing the physical copy as long you have saved the card details securely.
If you are looking for a completely digital payment option use a multi-currency forex card or credit card from banks that support mobile wallets internationally.
No Bank has recently enabled wallet support for users. Should an option a smartwatch with NFC payments be an effective alternative for hassle free international transactions is there no currently available on that device?

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Yes, carrying a physical card can be inconvenient while traveling. Unfortunately, Yes Bank First Exclusive Credit Card doesn’t support Apple Pay, Google Pay, or Samsung Pay for contactless payments abroad. However, it does have tap-and-pay functionality via Visa payWave, so you can still make contactless payments at international merchants that accept it.

For a fully digital experience, you might want to consider a multi-currency forex card or a credit card from banks that support mobile wallets internationally. As of now, Yes Bank hasn’t enabled smartwatch NFC payments either, so that option isn’t available yet.