welcome to the world of extraordinary privileges!
TRANSCRIPT
Welcome to the World of Extraordinary Privileges!
Dear Valued YES FIRST Customer,
We are delighted to welcome you to the YES FIRST Credit Card programme!
At YES BANK, we understand that you have never settled for anything less than the best for yourself. As a discerning connoisseur of the finer things in life, it is our endeavour to provide you with a Consistent and Superior Banking experience that suitably complements your lifestyle. Through our premium YES FIRST programme, we bring to you a world of extraordinary privileges presented through highly secure technology, best-in-class partnerships & alliances, attractive interest rate and above all, an unstinted commitment to always serve you better.
This YES FIRST Experience Guide will assist you in familiarising with the features and benefits that your YES FIRST Exclusive Credit Card offers. Enjoy greater value and a superior experience because, at YES BANK, you really do come FIRST for us!
YES FOR YOU!Sincerely,YES BANK Ltd.
YES FIRST Exclusive Credit Card Primary Benefits 4
Additional Benefits 24
Card Usage 27
Paying Your Credit Card Bill 28
How To Use Your CHIP + PIN Card 29
CONTENTS
Welcome& Renewal Benefits
WELCOME TO A WORLD OF EXTRAORDINARY PRIVILEGES!Welcome BenefitAvail 40,000 Reward Points* on your first transaction within
90 days of card set-up date
Renewal BenefitAvail 30,000 Reward Points** on renewal of your Credit Card
* Valid on retail purchases only. This feature is applicable only on cards with annual fee.
** This feature is applicable only on fee realisation.
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Rewards Programme
A CARD THAT KEEPS ON REWARDING!
Reward Points Accrual• 12 Reward Points for every INR 200 for all spends except
on Select categories1
• 6 Reward Points for every INR 200 on Select categories2
Reward Points RedemptionRedeem your Reward Points across a wide selection of handpicked items or simply book flight, hotel or movie tickets of your choice at www.yesrewardz.com/creditcard or contact our dedicated YES Rewardz Desk at: 1800 419 0600 (Available between 9 am to 9 pm, all days of the week).
Your redemption options include:• Exciting Gifts and Vouchers from handpicked Rewards Catalogue• Booking of Flight Tickets across major airlines• Hotel Bookings across major hotel chains around the world• Air Miles at select Airline partners
Annual Bonus Rewards
• Earn 25,000 Bonus Reward Points on spends of `20 Lakhs or more, every anniversary year3
1.Applicable on retail transactions only (except on Select categories). Not valid on Fuel transactions, Cash Advance, Fees & Charges, Priority Pass charges, EMI on Call & Instant EMI transactions.
2.For more information on Select Categories, please visit www.yesbank.in/personal-banking/yes-first/cards/credit-card/yes-first-exclusive-credit-card.
3.One anniversary year is defined as 12 months from date of card set-up or date of renewal.
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Interest Rates& ForeignCurrency
Markup
Interest Rate of 1.99% per month (23.88% annually) on
revolving credit
A Preferential Foreign Currency Markup of 1.75% on all
international transactions
BECAUSE WE BELIEVE IN DELIGHTING YOU!
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Domestic & International
Lounge Program
A LOUNGE FOR WHEREVER YOUR TRAVEL TAKES YOU TO!International Lounge Program*• Cards issued on Mastercard: Complimentary Priority Pass
Membership (available upon request) with unlimited complimentaryvisits for Primary and Add-on Cardmembers at airports outsideIndia. A charge of US $27+GST will be applicable for all guest visitsand usage at Airports within India.
• Cards issued on VISA: Primary and Add-on Cardmembers enjoyunlimited Complimentary Airport Lounge Visits through theLoungeKey Program. Present your Visa branded YES BANK CreditCard to access Lounges outside India displaying the LoungeKeylogo. A charge of US $27+GST will be applicable for all guest visits.
Domestic Lounge Program**•
*All applicable charges will be billed in Indian Rupees to the card account and will reflect in the monthly card statement. The charges are subject to change by Priority Pass (for cards issued on Mastercard) and LoungeKey (for cards issued on VISA) from time to time.
Priority Pass membership is applicable only for the Primary Cardmember & Add-on Cardmember(s) (for cards issued on Mastercard), and is non-transferable to any other person(s). To apply for your Priority Pass membership, please download the Application Form and follow the steps mentioned in the form.
For complete list of lounges, please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)
**The list of lounges may be changed by Mastercard or VISA at their sole discretion and without any prior intimation to Cardmembers. Please visit www.yesbank.in for Domestic Lounge Program Terms & Conditions and latest list of participating lounges.
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Primary Cardmembers enjoy 3 Complimentary Domestic Airport Lounge access per calendar quarter at affiliated lounges in India. This facility is not available for accompanying guests.
Golf Programme
STAY AHEAD OF THEGAME WITHA MASTER STROKE!Enjoy waiver of Green Fee at select golf courses* in India
Enjoy complimentary Golf Lessons at select golf courses* in
India
For cards issued on Mastercard, please contact Mastercard Golf Concierge on 1800 102 6263 for bookings.
For cards issued on VISA, please visit https://teepassindia.thriwe.com/ to register self for bookings.
*Terms & Conditions apply. Please visit www.yesbank.in for Terms & Conditions. The list of golf courses may be changed by Mastercard or VISA at their sole discretion and without prior notice, to YES BANK or its Cardmembers.
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Movie Privileges
MOVIES GALORE WITH GREAT DISCOUNTS!
Book movie tickets with your card and avail 25% discount* on
the movie ticket value when booked at www.bookmyshow.com
or on BookMyShow mobile app
* Total value of discount in a calendar month is capped at `250 per cardor 25% of ticket value, whichever is lower (subject to change).
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Contactless CardTechnology
FAST AND SECURE PAYMENTS!
YES FIRST Exclusive Credit Card is enabled with contactless
technology (NFC), facilitating fast, convenient and secure
payments at retail outlets. You can use your card to make quick
transactions at merchant locations accepting contactless cards
• There is no need to enter your card PIN. The card needs tobe touched or kept near the reader*
• The card never leaves your hand, reducing the risk of cardloss or counterfeit
• Payments are supported by state-of-the-art multi-levelsecurity protections, which safeguard your card transactions
• For merchants not accepting contactless transactions, CHIP& PIN transactions work seamlessly
*Please note that the requirement for PIN entry on the POS terminal atthe merchant outlet is a function of country-specific regulations and issubject to change. PIN input is not mandated for purchases below thepermissible local limit. Currently in India, the permissible limit is `5000(subject to change). To know more, please visit www.yesbank.in
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Other Offers& Privileges
Offers on your Card• Indulge in a host of Offers across categories like
shopping, dining, travel, leisure & wellness. Please visit
www.yesbank.in/offers for latest Offers on your card
Dedicated Travel & Lifestyle Portal • Redeem your Reward Points to book flights, hotels and movie
tickets conveniently at www.yesrewardz.com/creditcard
A WORLD OF EXTRAORDINARY PRIVILEGES IS WAITING FOR YOU!
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ConciergeServices
YOUR NON-BANKING NEEDS TAKEN CARE OF, IN STYLE!At YES FIRST, we are committed to a relationship that extends beyond just banking through our own Concierge Service Programme – YES ASSIST.
Concierge Assistance• Car & Limousine Rental and Reservations• Hotel Referral and Reservations• Travel Referral and Reservations• Special Events and Performances• Restaurant Referrals and Reservations• Movie Tickets – in New Delhi, Mumbai, Bengaluru and
Chennai• Flower and Gift Delivery
Automobile Assistance• Emergency Towing• Roadside Repair
Home Assistance• Pest Control• Electric Gadget Repair• Home Movers
Simply call us at 1800 11 9371(Toll Free number accessible by MTNL/ BSNL/ Reliance/ TATA Network users)OR 022 4232 0239.
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InsuranceCoverage
We understand your need for financial security and therefore provide you with Comprehensive Insurance Cover.
Accidental Death`3 Crore Air Accidental Cover in case of death due to flight accidents (Applicable only when the flight ticket is booked with your card)
Emergency Hospitalisation Protection of up to `50 Lakhs against any medical emergency while travelling overseas (Applicable only when the flight ticket is booked with your card)
Credit Shield The outstanding amount on your card is covered upto `10 Lakhs in case of accidental death of Primary Cardmember
FEEL SECURE WHEREVER YOU ARE!
*Please visit www.yesbank.in for detailed Terms & Conditions onInsurance Cover
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AdditionalBenefits
YES, WE WORK TO YOUR ADVANTAGE!
Cash at your FingertipsIn a situation where you need cash, just step into any
one of our ATMs or member ATMs and withdraw cash
up to 30% of your credit limit at a very nominal charge
(please refer to the ‘Most Important Terms & Conditions’
booklet present in your welcome kit)
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WE WORK TO YOUR ADVANTAGE!
Fuel Surcharge Waiver*
Enjoy fuel surcharge waiver at all fuel stations across India for transactions between `400 to `5,000
Add-on CardsBeing a Primary YES BANK Cardmember, you can avail up to 3 Add-on YES BANK Credit Cards for your spouse, parents, siblings, son and/or daughter (over 18 years)
Zero Lost Card LiabilitySimply call us at our 24x7 YES TOUCH Customer Care and report the loss of your credit card. We will immediately block your card and deliver a new card. Any fraudulent transactions after reporting the loss will be covered. Kindly make sure to file an FIR for the Lost/Stolen Card at the nearest police station and send us the acknowledgement copy, along with a written confirmation.If you happen to recover the card after having reported it as lost/stolen, please do not use it. Cut it into 4 pieces, at least once through the magnetic strip and CHIP, and return it to us with a letter
Interest-Free Credit Period Enjoy up to 50 days of interest-free credit on your purchases
*Total waiver in a statement cycle is capped at `1,000.
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CARD USAGEBefore signing or using your card, please make sure that you read the 'Cardmember Agreement’ enclosed with the welcome kit. This will help you understand your card better and make the best use of it. Please refer to the YES BANK website for more details.
This card is for your use only. Do not surrender your card to anyone even if they claim to represent the Bank
Do not disclose your Personal Identification Number (PIN) to anyone
You can also choose to set up your own PIN by using YES BANK NetBanking/YES Mobile App
Always carry the telephone number of our 24x7 YES TOUCH Customer Care, in case of an emergency
PAYING YOUR CREDIT CARD BILLFor YES BANK Account Holders:
• YES ONLINE: Register yourself for the YES BANK NetBanking and make Credit Card payments online
• ATM Funds Transfer: Transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM
• Standing Instructions: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account
For All Customers:
• NEFT: You can make your payment through NEFT fund transfer mode from other bank accounts. Use IFSC code: YESB0CMSNOC
• NetBanking: Make payment through any bank NetBanking account, using BillDesk facility at www.yesbank.in
• Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16-digit Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please mention your name and mobile number on the back of the cheque
• Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the Schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments
• YES Mobile App: Pay through your YES BANK Savings Account or any other bank account
• YES PAY App: Pay through your YES BANK Account or any other bank account using UPI
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HOW TO USE YOUR CHIP + PIN CARD
The merchant will insert your card at a CHIP & PIN enabled Point of Sale terminal
The merchant will enter the transaction amount to be paid by you
The Point of Sale Terminal will prompt you for a PIN
Enter your correct 4-digit Credit Card PIN and pull out the card once the transaction is complete
The product features are subject to change. Please visit www.yesbank.in for more guidelines and details about the latest features on your card.
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CONTACT US
1800 103 6000 (Toll Free for Mobile & Landlines in India) +91 22 4935 0000 (When calling from Outside India)
Log on to our website www.yesbank.in Email us at [email protected]
YES Rewardz Desk
For any queries on your Reward Points Redemption, please contact our dedicated YES Rewardz Desk at 1800 419 0600 (between 9 am to 9 pm, all days of the week)
Concierge Programme
At YES FIRST, we are committed to a relationship that extends beyond just banking, through our own Concierge Service Programme - YES ASSIST. Phone - 1800 11 9371 (Toll Free number accessible by MTNL/BSNL/ Reliance/ TATA Network users) OR 022 42320239Email: [email protected]
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