Welcome to the World of Extraordinary Privileges!

Welcome to the World of Extraordinary Privileges!

Dear Valued YES FIRST Customer, I am 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 exclusive privileges presented through highly secure technology, best-in-class partnerships & alliances, attractive interest rates 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 Preferred 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, Rana Kapoor Managing Director & CEO

CONTENTS YES FIRST Preferred Credit Card Primary Benefits 5 Additional Benefits 25 Card Usage 28 How To Use Your CHIP + PIN Card 28 Paying Your Credit Card Bill 29

WELCOME & RENEWAL BENEFITS

WELCOME TO A WORLD OF EXTRAORDINARY PRIVILEGES! Welcome Benefit * Avail 15,000 Reward Points on your first transaction within 90 days of card set-up date Renewal Benefit ** Avail 10,000 Reward Points on renewal of your Credit Card every year * Valid on retail purchases only. This feature is applicable only on cards with annual fee. **This feature is applicable only on fee realisation. 6

REWARDS PROGRAMME

A CARD THAT KEEPS ON REWARDING! Reward Points Accrual Enjoy 8 Reward Points per `100 spent* Enjoy 1,000 Reward Points on each YES PayNow registration # Reward Points Redemption Redeem 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 a handpicked Rewards Catalogue Booking of flight tickets across 260+ airlines Booking of stay across 6 lakh+ hotels around the world Booking of movie tickets across 865+ screens Air Miles at select airline partners Annual Bonus Rewards Earn 20,000 Bonus Reward Points on spends of `7.5 Lakhs or more, every anniversary year ** * Valid on retail purchases only. Not applicable on fuel transactions. # Applicable only on Standing Instruction-based registration for Utility Bill payments, not applicable for register and pay or ad hoc payments. **One anniversary year is defined as 12 months from the date of card set-up or date of renewal. Valid on retail purchases only. 8

INTEREST RATES & FOREIGN CURRENCY MARKUP

BECAUSE WE BELIEVE IN DELIGHTING YOU! Interest Rate of 1.99% per month* (23.88% annually) on revolving credit for Cardmembers who have YES BANK Savings Account relationship Interest Rate of 2.75% per month (33.00% annually) on revolving credit for Cardmembers who do not have YES BANK Savings Account relationship A Preferential Foreign Currency Markup of 1.75% on all international transactions *Cardmember will be eligible for preferential interest rate on revolving credit if he/she opens a Savings/Salary Account with YES BANK, along with the YES BANK Credit Card application or on a future date. The preferential interest rate will be effective on the Credit Card Account 45 days from the Salary/Savings Account opening date. 10

PRIORITY PASS & MASTERCARD LOUNGE PROGRAMME

A LOUNGE FOR WHEREVER YOUR TRAVEL TAKES YOU TO! Complimentary Priority Pass Membership * YES FIRST Preferred Credit Card entitles Primary Cardmember to complimentary issuance of Priority Pass Membership Card Primary Cardmember can enjoy a maximum of 4 complimentary lounge access per calendar year to Priority Pass affiliated lounges globally. A per visit charge of USD 27 will be applicable for any accompanying guests and from the 5 th visit onwards for Primary Cardmember. Cardmember is expected to track access utilisation of Priority Pass membership Premium service and support with complimentary refreshments and use of facilities like Wi-Fi MasterCard Lounge Programme # Primary Cardmembers also enjoy complimentary access (limited to 3 per quarter) to MasterCard affiliated domestic lounges YES BANK recommends the use of MasterCard affiliated lounges in India. Priority Pass Card can be used during international travel at affiliated lounges overseas *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 Limited from time to time. For the list of lounges, please visit www.prioritypass.com. Priority Pass membership is applicable to Primary Cardmembers only. # The list of lounges may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Please visit www.yesbank.in for MasterCard Lounge Programme Terms and Conditions and latest list of lounges. 12

MASTERCARD GOLF PROGRAMME

STAY AHEAD OF THE GAME WITH A MASTERSTROKE! Enjoy waiver of Green Fee at select golf courses * in India Enjoy complimentary Golf Lessons at select golf courses * in India For bookings, please contact MasterCard Golf Concierge on 1800 102 6263. *Terms and Conditions apply. Please visit www.yes.bank for Terms and Conditions. The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. 14

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 card or 25% of ticket value, whichever is lower (subject to change). 16

CONTACTLESS CARD TECHNOLOGY

FAST AND SECURE PAYMENTS! YES FIRST Preferred 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 to be touched or kept near the reader* The card never leaves your hand, reducing the risk of card loss or counterfeit Payments are supported by state-of-the-art multi-level security 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 at the merchant outlet is a function of country-specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit. Currently in India, the permissible limit is `2000 (subject to change). To know more, please visit www.yes.bank 18

OTHER OFFERS & PRIVILEGES

A WORLD OF EXTRAORDINARY PRIVILEGES IS WAITING FOR YOU! 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 20

CONCIERGE SERVICES

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. 22

INSURANCE COVERAGE

FEEL SECURE WHEREVER YOU ARE! We understand your need for financial security and therefore provide you with Comprehensive Insurance Solutions. Accidental Death `1 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 `25 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 `5 Lakhs in case of accidental death of Primary Cardmember *Please visit www.yes.bank for detailed Terms & Conditions on Insurance Cover. 24

ADDITIONAL BENEFITS

YES, WE WORK TO YOUR ADVANTAGE! Cash at your Fingertips In 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) MasterCard World Privileges Indulge in a host of MasterCard World Offers that provide you with a truly rewarding experience. Please visit MasterCard India website for ongoing Offers 26

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 Cards Being 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 Liability Simply 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 covering letter Interest-Free Credit Period Enjoy up to 50 days of interest-free credit on your purchases 27 *Total waiver in a statement cycle is capped at `500

CARD USAGE Before 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. Once you receive your PIN through mail, memorise it and destroy it as soon as possible You can also choose to set up your own PIN by using YES BANK NetBanking Always carry the telephone number of our 24x7 YES TOUCH Customer Care, in case of an emergency 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 For more guidelines, please visit www.yes.bank 28

PAYING YOUR CREDIT CARD BILL For YES BANK Account Holders: NetBanking: Register yourself for the YES BANK NetBanking Facility and make Credit Card payments online Standing Instructions: You can submit written instructions 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.yes.bank Cheque Payment: You can make your YES BANK 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 and 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 your Credit Card bill with your YES BANK Savings Account or any other bank account using UPI 29 The product features are subject to change. Please visit www.yes.bank for more guidelines and details about the latest features on your card.

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.yes.bank Email us at yesfirstcc@yesbank.in 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 42320239 Email: yes.assist@aspirelifestyles.com

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