TERMS & CONDITIONS – YES BANK CREDIT

CARDS

List of Feature based terms and conditions

MasterCard Domestic Lounge Program – Terms & conditions............................................2

MasterCard Golf Program – Terms & Conditions .................................................................5
VISA Domestic Lounge Program – Terms & Conditions……….........................................13
VISA Golf Program – Terms & Conditions ………................................................................17
Discount Offer on BookMyShow – Terms and Conditions .................................................23
Insurance Feature - Terms & Conditions................................................................................24

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 Mastercard Domestic Lounge Program (Within
India)

Airport
S.No City Lounge Name Location Status
terminal
The Lounge, Domestic Terminal,
Domestic Security Hold Area, First Floor,
1. Ahmedabad The Lounge
Terminal Terminal-1- Ahmedabad Airport,
Gujarat INDIA-380006 Active
Travel Food Services, Mezzanine
Level, Domestic Departure, Terminal
2.
Domestic 1, Kempegowda International
Bangalore TFS Terminal Airport, Bangalore - 560300 Active
Travel Food Services, Level 1, Near
Gate 18, International Departure,
3. Terminal 1, Kempegowda
International International Airport, Bangalore -
Bangalore TFS Terminal 560300 Active
Bird Lounge, Biju Patnaik
International Airport, Landside - the
4. lounge is located opposite to gate
Domestic no. 2. , Airport Rd, Bhubaneswar,
Bhubaneswar Bird Lounge Terminal Odisha 751020 Active
Kozhikode International Airport,
Airside - the lounge is located near
5.
International Gate No. 2., Airport Road, Calicut
Calicut Bird Lounge Terminal Airport P.O, Karipur, Kerala 673647 Active
Plaza Premium Lounge-International
Departure Chandigarh International
Airport - New Civil International
6. Chandigarh
Terminal, After SHA, International
International Departure 1st Floor Village Jhurheri, Temporarily
Plaza Premium Terminal Chandigarh, Punjab 160004 Closed
Plaza Premium Lounge-Domestic
Departure Chandigarh International
Airport - New Civil International
7. Chandigarh
Terminal, After SHA, Domestic
Domestic Departure 1st Floor Village Jhurheri, Temporarily
Plaza Premium Terminal Chandigarh, Punjab 160004 Closed
Travel club Lounge, New
New international terminal building, 3rd
8.
International Floor, Anna International Terminal,
Chennai TFS Terminal Chennai airport, Chennai. Active

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9. Domestic Travel Club Domestic, Link building
Chennai TFS Terminal Chennai 600027, Chennai. Active
Travel club Lounge, Old
international terminal building, near
10.
International boarding, Anna international Temporarily
Chennai TFS Terminal terminal, Chennai airport, Chennai. Closed
Cochin Domestic Airport, Opp. CIAl,
11. Domestic Nedumbassery, Ground Floor
Cochin Earth Terminal Cochin - 683572, Kerala. Active
Cochin International Airport, Opp.
12. International CIAl, 2nd Floor Nedumbassery,
Cochin Earth Terminal Cochin - 683572, Kerala. Active
Bird Lounge, Jolly Grant Airport
,Landside - the lounge is located on
13. the first floor, near ONGC Lounge,
Domestic Airport Road, Dehradun,
Dehradun Bird Lounge Terminal Uttarakhand 248140 Active
Level INL 03, International
Departures, Terminal 3, Indira
14.
International Gandhi International Airport, New Temporarily
Delhi Plaza premium(A) T3 Terminal Delhi. Closed
Domestic Departures, Indira Gandhi
International Airport, Palam,
15. Terminal 2, Airside - Domestic
Domestic T2 Departures, near Gate 24. New Temporarily
Delhi Plaza Premium Terminal Delhi. Take left after SHA. Closed
Mezzanine Level, Terminal 3,
16. Domestic T3 Domestic Departures, Indira Gandhi Temporarily
Delhi Plaza Premium Terminal International Airport, New Delhi. Closed
T1 D, Level 02, Mezzanine Level,
Terminal 1, Domestic Departures,
17.
Domestic T1D Indira Gandhi International Airport,
Delhi Enclam Lounge Terminal Palam, New Delhi. Active
Good Times, Goa International
18. Domestic Airport, Domestic Departure,
Goa TFS Terminal Airport Rd, Dabolim, Goa 403801 Active
Primus Lounge-Domestic Departure,
Jaipur International Airport, Airport
19. Jaipur Road, Domestic Departure After
Domestic SHA, Terminal 1, Near lift 1st Floor,
Primus Lounge Terminal Sanganer, Jaipur, Rajasthan 302011 Active
Mezzanine Level, Domestic
20. Domestic Terminal, Netaji Subhash Chandra
Kolkata Travel Club Terminal Bose, Domestic Airport, Kolkata. Active

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 International Terminal, Netaji
21. International Subhash Chandra Bose,
Kolkata Travel Club Terminal International Airport, Kolkata. Active
The Lounge, Chaudhary Charan
Singh International Airport, Airisde -
22. the lounge is located on the second
Domestic floor, near gate 3., Amausi,
Lucknow The Lounge Terminal Lucknow, Uttar Pradesh 226009 Active
OASIS Lounge, Chhatrapati Shivaji
International Airport, Terminal 1B
Navpada, Near Boarding Gate:9 - 20
23. Airside - the lounge is located on the
first floor, above Coffee Day., Vile
Domestic T1B Parle, Mumbai, Maharashtra
Mumbai OASIS Lounge Terminal 400099 Active
Domestic T1C Travel food service, Terminal 1 C,
24.
Mumbai TFS Terminal 1st floor Opp. Gate A2, Mumbai. Active
International Floor Opposite Samsonite, Terminal
25.
Mumbai Clipper Lounge T2 Terminal 2, Mumbai International Airport. Active
Travel Club Lounge, SHA, Terminal
26. Mumbai Airport Lounge Domestic T2 2, Chhatrapati Shivaji International
Mumbai Services Terminal Airport, Mumbai. Active
Mandarin Lounge, 1ST FLOOR,
Before Immigration, Before SHA, Dr.
Domestic Babasaheb Ambedkar International
27. Nagpur Mandarin Lounge
Terminal Airport, Departure Terminal, Nagpur
Airport, Sonegaon, Nagpur (MH)
India 440005 Active
Zesto Executive Lounge, SHA, 1st
Floor, opposite smoking zone, after
28. immigration, T1 Domestic
Domestic Departures, Jaiprakash Narayan Temporarily
Patna Zesto Executive Lounge Terminal International Airport Patna, Bihar Closed
Earth Lounge, Domestic, Departure,
After SHA, First Floor, Opposite
29.
Domestic Boarding Gate no. 5, After SHA
Pune Earth Terminal ,Lohegaon Airport, Pune- 411014 Active
Bird Lounge, Trivandrum
International Airport, Airside - the
lounge is located beside Smoking
30.
zone and near Gate no. 5., Airport
International Rd, Chacka, Thiruvananthapuram, Temporarily
Trivandrum Bird Lounge Terminal Kerala 695008 Closed
Premium Lounge, Vadodara
international Airport, Airside - the
31.
Domestic lounge is located on the 1st floor,
Vadodara Premium lounge Terminal next to Club One Class Lounge, Civil Active

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 Aerodrome, Harni Rd, Vadodara,
Gujarat 390022
Vijayawada International Airport,
Domestic Departure, NH16,
32.
Domestic Gannavaram, Viayawada, Andhra Temporarily
Vijayawada Amaravathi Terminal Pradesh 521102 Closed
Level E, International Departures,
33. International Rajiv Gandhi International Airport Temporarily
Hyderabad Premium Plaza Terminal (near Gate 32 A/B), Hyderabad. Closed
Level E, Domestic Departures, Rajiv
34. Domestic Gandhi International Airport (near Temporarily
Hyderabad Premium Plaza Terminal Gate 28), Hyderabad. Closed
The Lounge, International Terminal, Active
Security Hold Area, First Floor,
35. International Terminal-2-
International Ahmedabad Airport, Gujarat INDIA-
Ahmedabad The Lounge T2 Terminal 380006
Plaza Premium Lounge, First Floor, Temporarily
Domestic SHA, Dr. Babasaheb Closed
36. Ambedkar International Airport,
Domestic Sonegaon, Nagpur, Maharashtra,
Nagpur Plaza Premium Lounge Terminal India 440005
Paahun The Executive Lounge, 1st Active
Floor, Domestic Departure, After
Security Hold Area, Terminal 1, near
37. gate no. 1, Sheikh ul-Alam
International Airport, Srinagar
Paahun The Executive Domestic International Airport, Srinagar (J&K)
Srinagar Lounge Terminal 190007

Terms and Conditions:

1.The lounge access feature is available only in the above-mentioned lounges in India

2. The Program is applicable for YES FIRST Exclusive Credit Card, YES FIRST Preferred Credit Card,
YES Premia, YES Prosperity Edge Credit Card and Wellness Plus Credit Card only. Cards starting with
the following BINs are eligible for this offer – 524167203, 524167208, 524167213, 536303201, 536303202,
536303206, 536303207, 536303209, 536303212, 549921204, 549921216, 553204401, 553204402, 553204403,
553204404, 553204405, 553204406, 553204406, 558918302.

3. The program is applicable till 31st December, 2023.

4. Number of complimentary lounge access:

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a. YES FIRST Exclusive Credit Card – Primary cardmembers enjoy up to 3 complimentary lounge visits
per calendar quarter.
b. YES FIRST Preferred Credit Card – Primary cardmembers enjoy up to 2 complimentary lounge visits
per calendar quarter.
c. YES Prosperity Edge– Primary cardmembers enjoy 1 complimentary lounge visit per calendar quarter.
d. YES Premia Credit Card- Primary cardmembers enjoy 2 complimentary lounge visit per calendar
quarter.
e. Wellness Plus Credit Card - Primary cardmembers enjoy up to 2 complimentary lounge visits per
calendar quarter

5. The program is applicable in select Lounges in India, via Mastercard’s service providers. This list of
lounges is subject to changes from time to time.

6. Access at the lounge would be given upon successful authorization of the Mastercard card on the
electronic terminals placed at the lounges.

7. Eligible cardholders will get access to the lounge, and food & beverages as applicable under the
agreement between Mastercard and the lounge. Cardholder is advised to check what services and facilities
are covered in the Mastercard Lounge access program 6

8. An authorization for an amount (Rs. 25/-) will be taken on the card for validation purposes only and it
will not be charged to Mastercard cardholder's account.

9. Program is open only for card holders carrying a valid Mastercard card issued in India. Only one entry
per cardholder will be permitted.

10. The program can be modified, amended, changed or revoked anytime by Mastercard without prior
intimation.

11. The access to the lounge will be available on first-come-first-serve basis.

12. Any cardholder queries / complaints may be referred to ‘Mastercard For You’. You can access this
service by calling ‘Mastercard For You' toll free helpline 1800-102-6263.

13. Neither Mastercard nor any of its subsidiaries or affiliates nor Mastercard's member banks nor any of
their respective subsidiaries or affiliates (collectively the "Promoters") assume any responsibility for the
products or services offered at the participating lounges. The products and services are sold or licensed or
provided solely by the Service Provider, and the Promoters accept no liability whatsoever in connection
with the products and services.

14. Cardholders are not bound in any manner to avail the offer. Any participation by the Cardholder shall
be voluntary and the terms and conditions of the Mastercard Lounge program shall be binding on the
cardholders.

15. Mastercard assumes no responsibility in case a particular lounge operator shuts down the lounge(s)
due to lease not getting renewed or for any such reason beyond the purview of Mastercard or Mastercard's
member banks.

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 Master Card Golf Program

Sr No City Golf Course

Golf Clubs where BOTH Golf Games and Golf Lessons are available
1 Ahmedabad Kalhaar Blues and Greens
2 Delhi NCR - Gurgaon Golden Greens Golf Club
3 Delhi NCR - Gurgaon ITC Classic Golf Resort
4 Delhi NCR - Noida Jaypee Greens Golf Club
5 Delhi NCR - Noida Unitech Golf & Country Club
6 Hyderabad Boulder Hills Golf Club
7 Pune Poona Golf Club
Golf Clubs where ONLY Golf Games are available
1 Ahmedabad Kensville Golf & Country Club
2 Bangalore Clover Greens Golf Club
3 Chennai Madras Gymkhana Club (Guindy)
4 Delhi NCR - Noida Jaypee Wishtown (only on limited
days)
5 Mumbai BPGC
Golf Clubs where ONLY Golf Lessons are available
1 Bangalore Prestige Golfshire
2 Chandigarh / Panchkula Chandigarh Golf Academy
3 Chennai AKDR Golf Village
4 Mumbai Golden Swan Golf Academy

Terms and Conditions:

1. The MasterCard Golf Program will be applicable for YES FIRST Exclusive Credit Card, YES
FIRST Preferred Credit Card, YES Premia & YES Prosperity Edge Credit Card. Cards starting
with the following BINs are eligible for this offer – 524167203, 524167208, 536303201, 536303202,
536303205, 536303206, 536303207, 536303209, 536303212.

2. The offer is valid till 31st December,2023.

3. The Mastercard golf program is not a golf club membership and is not to be regarded as a golf
club membership. Mastercard golf program entitles Cardholders to enjoy the specified golfing
benefits subject to the applicable terms and conditions as stipulated.

4. All eligible Mastercard WORLD Cardholders (“Cardholders”) would be entitled to

complimentary green fee access hosted for them at specified locations on Weekdays and
Weekends/Holidays as per applicable terms and conditions. Provided however that no more
than 4 (FOUR) rounds of complimentary green fees may be enjoyed by the Cardholder during
the period from 1st January 2023 to 31st December 2024. Provided further that no more than
1(ONE) round of complimentary green fees may be enjoyed in a single calendar month.

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5. Discounted Green Fees hosted for all eligible Cardholders at specified locations on Weekdays
and Weekends/Holidays during the period from 1st January 2023 to 31st December 2024. 50% of
the golf green fees will be hosted by Mastercard and the requesting Cardholder(s) would have to
pay 50% of the applicable walk-in rate at the time of the confirmation of the golf game through
their specific Mastercard WORLD Card(s).

6. All eligible Cardholders would be entitled to avail of 1 (ONE) complimentary golf lesson / golf
coaching every calendar month at select locations in India on Weekdays and Weekends/Holidays
subject to the applicable terms and conditions, during the period from 01st January 2023 up 31st
December 2024. A Cardholder will not be allowed to carry forward his/her monthly entitlement
of 1 (ONE) complimentary golf lesson / golf coaching to a subsequent month.

7. A Cardholder may hold only one booking on a single day whether for a golf game or a golf
lesson.

8. In case of any Cardholder holding multiple variants of Mastercard World Card i.e multiple
World Cards issued from different Banks, then each Mastercard would be treated separately for
the eligibility of golf benefits as provided under this Mastercard World Golf Program during the
period from 1st January 2023 to 31st December 2024.

9. A Cardholder must abide by all Local Club rules including Dress Code, Club Rules, Etiquette,
Playing and Handicap Restrictions and access restrictions of allowable areas at each golf club /
golf learning facility.

10. Golf booking requests for both golf games and golf lessons will only be accepted for daylight
timings that ensure that the start of the golf game must enable completion of 18 holes of play and
/ or the golf lesson during normal daylight hours.

11. It will be the exclusive responsibility of the Cardholder to verify and report within time at the
correct address and location of the respective golf clubs and / or golf learning facility at which
the golf booking has been confirmed for the Cardholder.

12. All Cardholders must provide their correct and verifiable contact number and email id while
placing the golf game / golf lesson booking request with the golf concierge without which the
request will not be processed further.

13. In case where a main Cardholder has requested to join other Mastercard World Cardholders
for a golf game, then the requesting Cardholder must provide the correct and verifiable contact
numbers and email ids for all the other World Cardholder whom he is naming while placing the
golf game / golf lesson booking request with the golf concierge. Any booking requests without
the required contact numbers and email ids of the eligible World Cardholders will not be
processed.

14. Acceptance of all golf bookings including for golf games and golf lessons shall be subject to
availability and at the discretion of the golf instructors / golf coaches and / or the golf clubs /
driving ranges.

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15. All payments for discounted golf games (green fees) must be pre-paid at the time of
confirmation of the booking using the (Principal) Mastercard WORLD Card as applicable. In such
situations, all Principal Cardholders must authorize the Golf Concierge to charge his/her portion
of the required payment towards the golf game through an IVR based payment gateway.
16. In case of golf booking request involving multiple Cardholders, the payment may be made in
any of the following ways:
(a) Either by the Cardholder for all the Cardholders; or 9
(b) Where a split payment is requested between two or more (Principal) Cardholders: In
such cases, where the booking is made by a single Cardholder, then he/she must provide
the proper contact details of all the other playing (Principal) Cardholders to the Concierge
at the time of confirmation of the golf game so that the payment authorization can be taken
from all the respective individual (Principal) Cardholders.

17. Minimum Flight (Player) conditions:

(a) Weekdays: Unless otherwise prescribed by the local club / golf course rules / seasonal
rules, the minimum flight conditions for Weekday rounds of golf is a minimum of 2
(TWO) players per flight;
(b) Weekends/Holidays: Unless otherwise prescribed by the local club / golf course rules
/ seasonal rules, the minimum flight conditions for Weekend/Holiday rounds of golf is
a minimum of 3 (THREE) players per flight; and
(c) The maximum number of players per flight is 4 (FOUR) on any day.

18. It will be the exclusive responsibility of the Cardholder to fulfill the minimum flight conditions
in respect of each booking request and Mastercard and Contractor (Apexlynx) will not be
responsible to help the Cardholder make up the minimum flight condition numbers. Golf game
booking requests not meeting the minimum player conditions will not be processed.

19. Cardholders may be allowed to play in the same flight with a Club Member or other green fee
paying guest(s) (except any players availing benefits under any other golf program) subject to
fulfillment of the minimum flight conditions. In such a situation, the Cardholder must inform the
exact booking time held by the Club Member and the same will be verified with the golf club
prior to processing the Cardholder’s booking request. In cases where the Cardholder requests to
join a Club Member and if at the time of verification of the original request, no Confirmed booking
exists in the name specified Club Member(s), then the booking request made by the Cardholder
will not be accepted / processed.

20. Changes in timings of any confirmed bookings / bookings in process will be subject to
availability and subject to acceptance at the discretion of the golf club(s) / golf instructor(s).

21. Cardholders may request for a maximum of 3 (THREE) guest(s) per Golf Game booking. All
guests must play in the same group as the Cardholder. All bookings for guests of Cardholders
will only be confirmed if the Cardholder charges the applicable guest charges to his/her
Mastercard WORLD Card by making pre-payment prior to the booking being confirmed. Once
charged against a confirmed golf booking, there will be no refund for guest charges for any reason
whatsoever.

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22. All other costs and charges such as food and beverage expenses, consumables, rental of golf
equipment, golf- cart (Buggy) charges, Caddy Fees etc. shall be borne by the Cardholder(s) or
his/her guest(s).

23. Cardholders and guests may have to pay directly at the golf club for buggy, caddie, turfmate
and golf insurance at normal published rates of the golf club, where applicable or in some
situations, may be required to pre-pay such amounts at the time of confirmation of the requested
Golf booking. In such situations, all principal Cardholders must authorize the Golf Concierge to
charge his/her portion of the required payment.

24. All requests for golf bookings must be made at least 7 (SEVEN) days in advance of the
intended date of play/golf lesson not including the date / day of play. 10

25. Golfers must have at least a valid golf handicap or in lieu thereof, at golf clubs / golf course
where permissible, a certificate of golfing proficiency in lieu of a Golf Handicap as issued by a
certified and approved golf instructor may be acceptable. All golfers must produce their Golf
Handicap Certificate upon request including as may be requested by the Golf Concierge prior to
the requested day of the play.

26. Mastercard and/or Contractor (Apexlynx) will not be responsible or accountable to get a
Handicap Certificate issued to the benefit of any Cardholder from any Golf Clubs/ Golf Learning
Centre.

27. There will be no rain check i.e. a Cardholder will not be entitled to any refund of any paid
charges or extension of booking for a golf game that is suspended or cancelled due to rain,
inclement weather or for any other proper and justifiable reason as may be decided by the golf
club.

28. Weekend rates apply for golf games and all other charges booked on a Saturday, Sunday,
Restricted Holiday and Public Holiday as applicable.

29. All cancellation charges will be charged to the specified Mastercard WORLD card. This would
require the Cardholder to authorize the Golf Concierge to charge his/her card as required.

30. Cardholders will not be granted access rights to the stipulated golf clubs without booking
through the Golf Concierge. Cardholders are to make all enquiries and bookings only through
the Golf Concierge.

31. Golf clubs will not entertain any correspondence/enquiries and/or attempts for bookings
directly from Cardholders and Cardholders may not receive any response directly from golf clubs
and the breach of this condition may result in denial of golfing benefits to the concerned
Cardholder(s).

32. A Club Member cannot make a booking directly at the golf club/driving range and transfer
the confirmed booking over to the Cardholder or vice versa.

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33. The Mastercard golf program cannot be used by Cardholders or their guests in conjunction
with any other promotions or other golf program(s) or to join other golfers who are availing of
the benefits of any other golf program.

34. Cardholders cannot book for more than 4 (FOUR) players in total including himself/herself
for any one golf game booking.

35. There will be an amendment fee of Rs. 500/- plus applicable taxes for any changes /
amendment made after confirmation of bookings. Changes can only be made based on
availability. This amendment fee will be charged to the Cardholder by the Golf Concierge via the
IVR based payment gateway.

36. This Mastercard golf program is valid for golf course access only to individual Cardholders
and is not valid for any group bookings or to participate in any private event, tournament or any
other special golf day arrangement.

37. This Mastercard golf program is valid for golf course access only. Cardholders and/or their
guest(s) may not have access to the other facilities at the golf club / driving range. A Cardholder
may not request for a booking to visit a golf club for any other purpose except to request to play
or learn golf in accordance with the terms and conditions of this Mastercard golf program. 11

38. Mastercard and Contractor (Apexlynx) do not underwrite or warrant the services performed
by the golf courses/driving ranges/golf coaches and shall not have any liability whatsoever for
any deficiency, delay, omission, default or imperfection in such services or for any loss, claim or
damage (including, but not limited to, incidental, punitive, consequential, special, direct or
indirect damages or losses, loss of profits, loss of business, loss of business opportunity, economic
loss or personal injury or death) that may be suffered or incurred by a Cardholder or his/her
guest, directly or indirectly, by use or non-use of the services provided by the participating golf
clubs/driving ranges/golf instructors or otherwise offered under the Mastercard Golf Program.
All risks associated with the use of the services offered under the Mastercard Golf Program or
provided or offered by any participating golf club/driving range/golf instructor shall be
assumed by the Cardholders and their guest(s).
39. These terms and conditions shall prevail over any provisions, representations or warranties
contained in any other promotional or marketing materials advertising or promoting the
Mastercard Golf Program or the benefits/privileges offered under the Mastercard Golf Program.

40. Mastercard, its subsidiaries, affiliates and associated companies/entities (collectively the
“Mastercard Group”), which includes Mastercard Loyalty Solution Pvt. Ltd, do not assume any
responsibility for the products or services offered under the Mastercard Golf Program or by the
participating golf clubs/driving ranges/golf instructors. The products and services are sold or
licensed or provided solely by the relevant participating golf club/driving range, its affiliates,
agents or sub-contractors under such terms and conditions as determined by such vendors, and
the Mastercard Group accepts no liability whatsoever in connection with such products and
services. The products and services have neither been certified by the Mastercard Group nor
tested for certification purposes by the Mastercard Group and under no circumstances shall the
inclusion of any product or service in the Mastercard Golf Program be construed as an
endorsement or recommendation of such product or service by the Mastercard Group. No

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representation or warranty of any kind is given by the Mastercard Group as to the participating
golf clubs/driving ranges/golf instructors under the Mastercard Golf Program and all liability of
any kind whatsoever is excluded to the fullest extent permissible by applicable law.

41. These terms and conditions including the golf courses / driving ranges and golf coaches are
subject to change.

42. Due to ongoing Covid-19 crisis, some of the Golf courses are not operational.

CANCELLATION POLICY FOR GOLF GAME BOOKINGS – WEEKDAY

1. Cancellation must be made more than 1 (ONE) day in advance prior to tee-off date, not
counting the date of the confirmed booking.
2. Penalty for breach of cancellation condition – Penalty equivalent to 100% of the amount of
published walk-in green fees at that golf club.

CANCELLATION POLICY FOR GOLF GAME BOOKINGS – WEEKENDS & HOLIDAYS

1. Cancellation must be made 2 (TWO) days in advance prior to tee-off date, not counting the date
of the confirmed booking.
2. Penalty for breach of cancellation condition – Penalty equivalent to 100% of the amount of the
published walk-in green fees at that golf club. 12

CANCELLATION POLICY – GOLF LESSONS / CLINICS

1. Cancellation must be made 2 (TWO) days in advance prior to golf lesson.

2. Penalty for breach of cancellation condition – Penalty equivalent to 100% of the amount of
published walk-in charges payable for a golf lesson at that golf club.

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 VISA Domestic Lounge Program (Within India)

S. No. City Lounge Name Status Address

1) Ahmedabad The Lounge Active Sardar Vallabhbhai Patel
International Airport, Terminal 1,
Domestic Departure, After SHA,
Hansol, Ahmedabad, Gujarat-
380003
2) Amritsar Primus Lounge Active Premium Lounge, 2nd Floor,
Departures, Domestic Terminal, Sri
Guru Ram Dass Jee International
Airport, Amritsar, Punjab
–143101

3) Bangalore Travel Club (BLR LOUNGE) Active Kempegowda International

Airport, Domestic Departure
Terminal 1 KIAL Rd, Devanahalli,
Bengaluru, Karnataka 560300

4) Bangalore Travel Club (BLR LOUNGE) Active Kempegowda International

Airport, International Departure
Terminal 1 KIAL Rd, Devanahalli,
Bengaluru, Karnataka 560300,
Landmark: Near O2 Spa, Ground
floor

5) Bhubaneswar Bird Lounge Active Domestic Departure, Terminal T1,

Ground Floor, Before SHA, on right
of Punjab grill, Bhubaneswar
Airport-751020
6) Chandigarh Plaza Premium Lounge Temporarily Chandigarh International Airport,
Closed Domestic Departure, 1st
FloorFloor, After SHA, New Civil Air
Terminal, Mohali District,
Sahibzada Ajit Singh Nagar, Punjab
140306 Landmark: Food Court
Area, Near Boarding Gate 1

7) Calicut Bird Lounge Active International Departure, After SHA,

1st Floor, Near gate no-2, Calicut
Airport, Karipur, Kerala 673647

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8) Chennai Travel Club Active Chennai International Airport,
Domestic Departure, Terminal 1
3rd Floor, After SHA, GST Rd,
Meenambakkam, Chennai, Tamil
Nadu 600027, Landmark: Opposite
Gate -5

9) Chennai Travel Club Active Chennai International Airport, Old

International Departure, Terminal
4, After SHA, GST Rd,
Meenambakkam, Chennai, Tamil
Nadu 600027, Landmark: Gate no.
14

10) Chennai Travel Club Active Chennai International Airport, New

International Departure, Terminal
3, After SHA, GST Rd,
Meenambakkam, Chennai, Tamil
Nadu 600027, Landmark: Gate 17
to the 3rd Floor.

11) Cochin Earth Active Cochin International Airport,

Domestic Departure, Terminal 1,
After SHA, 2nd Floor Airport Rd,
Kochi, Kerala 683111
12) Cochin Earth Active Cochin International Airport,
Domestic Departure, Terminal 3,
After SHA, Airport Rd, Kochi, Kerala
683111, Landmark: Airside
- after Security Checks and
Passport Control.

13) Coimbatore Blackberry Lounge Active Coimbatore International Airport,

Airport Rd, Domestic Departure,
Civil Aerodrome Post, Peelamedu,
Coimbatore, Tamil Nadu 641014,
Landmark: 1st Floor left to Airport
Entrance gate

14) Dehradun Bird Lounge Active Jolly Grant Airport, Domestic

Departure, Airport Road,
Dehradun, Uttarakhand 248140,
Landmark: First floor, near ONGC
lounge

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15) Delhi Plaza Premium Temporarily Indira Gandhi International Airport,
Closed Domestic Departures, Terminal T3,
New Delhi-110037. Landmark:
Airside - Domestic Departures.
Follow signs 'Lounge A' from the
F/G Gates and take the escalator
on your right-hand Side

16) Delhi Plaza Premium Temporarily Indira Gandhi International Airport,

Closed Domestic Departures, Terminal T3,
New Delhi-110037. Landmark:
Level 4
17) Delhi Plaza Premium Temporarily Indira Gandhi International Airport,
Closed Domestic Departures, Terminal T2,
New Delhi-110037.After Sha,Near
gate 33,
18) Goa Good Times Lounge Active Good Times, Goa International
Airport, Domestic Departure, after
SHA, Airport Rd, Dabolim, Goa
403801
19) Hyderabad Plaza Premium Temporarily Rajiv Gandhi International Airport,
Closed Domestic Departure, after SHA,
Shamshabad, Hyderabad,
Telangana 500409, Landmark Near
Gate No 28
20) Hyderabad Plaza Premium Temporarily Rajiv Gandhi International Airport,
Closed International Departure, after SHA,
Shamshabad, Hyderabad,
Telangana 500409, Landmark: Near
Gate 32A
21) Indore Primus Lounge Active Premium Lounge, 1st Floor,
Domestic Terminal, After Security
Hold Area, Devi Ahilya Bai Holkar
International Airport, Indore
Airport – 452005
22) Kolkata Travel Club Active Netaji Subhash Chandra Bose
International Airport, Domestic
Departure, Jessore Rd, Dum Dum,
Kolkata, West Bengal 700052,
Landmark: Gate no 22, 23

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23) Kolkata Travel Club Active Netaji Subhash Chandra Bose
International Airport, International
Departure, Jessore Rd, Dum Dum,
Kolkata, West Bengal 700052,
Landmark: Near Gate no 10,11

24) Lucknow The Lounge Active Chaudhary Charan Singh

International Airport, Domestic
Departure, Terminal T2, After SHA,
Level 2,
Landmark: Near Gate no 3,
Lucknow, Uttar Pradesh- 226009

25) Mumbai Travel Club Active Chhatrapati Shivaji Maharaj

International Airport, Domestic
Departure, Terminal T2, After SHA,
Santa Cruz, Mumbai, Maharashtra-
400099, Landmark: Near Gate No.
45

26) Mumbai Loyalty Lounge Active Chhatrapati Shivaji Maharaj

International Airport, International
Departure, Terminal T2, After SHA,
Santa Cruz, Mumbai, Maharashtra-
400099, Landmark: 3rd Floor

27) Mumbai Travel Club 1C Active Chhatrapati Shivaji Maharaj

International Airport, Domestic
Departure, Terminal T1, After SHA,
Santa Cruz, Mumbai, Maharashtra-
400099
28) Nagpur Mandarin Active 1ST FLOOR, Before Immigration,
Before SHA, DR. BABASAHEB
AMBEDKAR INTERNATIONAL
AIRPORT, DEPARTURE
TERMINAL, NAGPUR AIRPORT,
SONEGAON, NAGPUR (MH) INDIA
440005

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 29) Pune Earth Lounge Active Pune International Airport,
Domestic Departure, After SHA,
New Airport Rd, Pune International
Airport Area, Lohegaon, Pune,
Maharashtra 411032

30) Trivandrum Bird Lounge Active Trivandrum International Airport,

International Departure, Terminal
2, Airport Rd, Chacka,
Thiruvananthapuram, Kerala
695008. Landmark: Near Gate no 5.

31) Jaipur Primus Lounge Active Jaipur International Airport,

Domestic Departure, After Security
Hold Area, Terminal 1, Jaipur -
302017
32) Vadodara Premium Lounge Active Vadodara Airport, Civil Aerodrome,
Harni Rd, 1st Floor Vadodara,
Gujarat 390022
33) Vijayawada Amaravathi Active Temporarily Closed

Terms and Conditions:

1. The lounge access feature is available only in the above-mentioned lounges in India

2. The Program is applicable for YES FIRST Exclusive Credit Card, YES FIRST Preferred Credit Card,
YES Premia & YES Prosperity Edge Credit Card only. Cards starting with the following BINs are eligible
for this offer – 404652600, 405023601, 405023602, 405023605, 404652608, 405023609, 405023610, 405023611,
405023612

3. The program is applicable till 30th April 2023.

4. Number of complimentary lounge access:

a. YES FIRST Exclusive Credit Card – Primary cardmembers enjoy up to 3 complimentary lounge visits
per calendar quarter.

b. YES FIRST Preferred Credit Card – Primary cardmembers enjoy up to 2 complimentary lounge visits
per calendar quarter.

c. YES Prosperity Edge – Primary cardmembers enjoy 1 complimentary lounge visit per calendar
quarter.

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d. YES Premia Credit Card: Primary cardmembers enjoy 2 complimentary lounge visit per calendar
quarter.

5. Eligible Cardholders will be allowed access to all Participating Airport Lounges under the Program,
based on one of the following entry types: a. Entry Type 1: Free entry for Eligible Cardholder only (subject
to a nominal swipe fee of INR 2). All Eligible Cards must be validated at point of entry by swiping a
transaction of a nominal value of INR 2. Further, quarterly limits on complimentary access to Participating
Airport Lounges, as communicated by the Issuer Bank, shall apply. b. Entry Type 2: Paid entry for the
Eligible Cardholder according to the respective prices of usage displayed at the Participating Airport
Lounges, for himself/herself only or for his/her accompanying guests (payment will be made directly at
the Participating Airport Lounge by the Eligible Cardholder).

6. To use the Participating Airport Lounge, customer’s Card must be validated at point of entry by swiping
a transaction of a nominal INR 2 for access based on entry type 1. The customer will be denied the free
entry if the Card is not approved by Issuer Bank upon this swipe.

7. Without prejudice to the foregoing paragraphs, Entry Type 1 may be restricted or unavailable: a. If Visa
withdraws the Entry Type 1 (either as a program or in relation to any Eligible Cardholder or at any
Participating Airport Lounge) for any reason at its sole and absolute discretion; or b. If the maximum
capacity for Visa cardholders or an Eligible Card type or an Eligible Card type issued by a particular Issuer
Bank has been reached at the relevant Participating Airport Lounge. In this regard it is to be noted that
capacity limits at a Participating Airport Lounge may be different for different Eligible Card types or
Eligible Card types issued by different Issuer Banks. Visa shall not be held responsible under any
circumstances for any such unavailability.

8. Visa makes no guarantee that any privileges, benefits or facilities under the Program or otherwise will
be made available by the Participating Airport Lounge to an Eligible Cardholder and Visa cannot be held
liable for the same. Specifically, the free lounge access to customer(s) may be suspended if the validation
system at the Participating Airport Lounge is unable to swipe and authorize the customers’ Card due to
any system malfunction or connectivity issues.

9. Usage of the Participating Airport Lounges under the Program (under Entry Type 1) is subject to access
limits/quota every quarter that will be determined by Visa in its absolute discretion and any attempted
usage beyond such access limits/quota will be rejected by the Participating Airport Lounge.

10. All accompanying children (where permitted) will be subject to the full guest fee unless otherwise
stated.

11. Eligible Cardholders will be charged on their Eligible Card based on the amount stated on the charge-
slip presented by the Participating Airport Lounge operator. Whilst it is the responsibility of the
Participating Airport Lounge staff to ensure a valid charge-slip is processed and printed by swiping the
Eligible card, the Eligible Cardholder is responsible for ensuring, before using the lounge facilities, that
the charge-slip correctly reflects the applicable usage charges for his entry and that of his/her companion
(if applicable). The Eligible Cardholder must retain the his/her original copy of the charge-slip for
verification purposes, and no allegations of error in charges will be entertained without the charge-slip
verification.

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12. All usage of the Participating Airport Lounges under the Program is conditional upon presentation of
a valid Eligible Card, and Visa, in its sole and absolute discretion, may alter, cancel, or amend eligibility
of any Visa card, or Program benefits, at any time without prior notice.

13. The privileges under this Program are to be construed as a standalone offer and cannot be clubbed
together and/or in any way be combined with any other offer of the Participating Airport Lounge in any
manner, or form. For the avoidance of doubt, privileges under the Program cannot be exchanged or
redeemed for cash.

14. All Participating Airport Lounges are not owned or operated by Visa, but by third party organizations.
Eligible Cardholders and relevant accompanying guests must abide by the rules and policies of each
respective Participating Airport Lounge, which include, without limitation: a. Access being denied to the
lounge where there are space constraints or if the maximum capacity for Visa cardholders or an Eligible
Card type issued by a particular Issuer Bank has been reached at the relevant Participating Airport Lounge.

15. Eligible Cardholders agree and acknowledge that they may be refused entry and/or asked to vacate
for non-compliance with the rules and policies and, for the avoidance of doubt, will not make any
complaints against, or hold Visa responsible.

16. For the avoidance of doubt, Visa makes no guarantee that any privileges, benefits or facilities under
the Program or otherwise will be made available by the Participating Airport Lounge to an Eligible
Cardholder and Visa will not be liable in any circumstances whatsoever in relation to the provision or non-
provision (whether in whole or in part) of any of the advertised benefits and facilities under the Program.

17. Participating Airport Lounges may reserve the right to enforce a maximum stay policy (usually 2 or 3
hours) to prevent overcrowding. This is at the discretion of the individual lounge operator who may
impose a charge for extended stays.

18. Participating Airport Lounges have no contractual obligation to announce flights, nor to remind guests
of their flight boarding times, and Eligible Cardholders are solely responsible for abiding by boarding
times stated on their flight tickets. Accordingly, for the avoidance of doubt Visa shall not be liable under
any circumstances in relation to any failure to board flights (for any reason) by an Eligible Cardholder.

19. Eligible Cardholders should make prior enquiries before ordering any separate services/privileges or
meal/food items apart from the general free services/privileges or meal/food items offered, and will be
responsible for paying any charges for additional consumption directly to the Participating Airport
Lounge.

20. Visa shall not be held responsible under any circumstances for any disputes that may occur in, or in
relation to the usage of, a Participating Airport Lounge, including without limitation, between the Eligible
Cardholder and another guest, airport user, or Participating Airport Lounge operator
staff/representatives.

21. By participating in or using, or attempting to use, the Participating Airport Lounge under the Program,
the Eligible Cardholder agrees to: a. abide by the terms and conditions set out herein and b. defend, hold
harmless and indemnify Visa for any loss or damage caused to, or injury to or death of any person or
damage to or destruction of any property arising out of the use of any Participating Airport Lounge by the
Eligible Cardholder and/or his/her accompanying guests.

19
22. Any delay, failure or omission of Visa in exercising any right, power or remedy under these Terms and
Conditions will not constitute a waiver of, or impair any such right, power or remedy of Visa.

23. The provisions of these Terms and Conditions are severable, and if any one or more such provisions
will be determined to be invalid, illegal or unenforceable, in whole or in part, the validity, legality and
enforceability of any of the remaining provisions or portions thereof will not in any way be affected or
impaired thereby and will remain binding.

24. All disputes, if any, arising out of or in connection with or as a result of the Program or otherwise
relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai
only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

25. Due to ongoing Covid-19 crisis, lounge services may be affected at certain airport facilities.

VISA Golf Program

Sr No Golf Course (For Playing) City
1 Gulmohar Greens Golf & Country Club (Indian) Ahmedabad
2 Gulmohar Greens Golf & Country Club (Foreign) Ahmedabad
3 Kalhar Blues & Greens Ahmedabad
4 Kensville Golf Club Ahmedabad
5 Glade One Ahmedabad
6 Clover Greens Bangalore
7 Zion Hills (Champions Reef) Bangalore
8 Eagleton Golf Village Bengaluru
9 Prestige Golfshire Bangalore
10 Panchkula Golf club Chandigarh
11 Madras Gymkhana Club (Nationality) Chennai
12 Madras Gymkhana Club (Foreign National) Chennai
13 Golden Greens Golf Resort Gurgaon
14 Karma Lakeland Gurgaon
15 Classic Golf & Country Club Gurgaon
16 Boulder Hills Golf Club Hyderabad
17 Tollygunge Golf Club* Kolkata
18 9 Aces Golf Greens & Academy Mumbai
19 Willingdon Sports Club* Mumbai
20 Kharghar Golf Club Mumbai
21 Jaypee Greens Golf Club Noida
22 Jaypee Greens Golf Club (Expat) Noida
23 Jaypee Wishtown Golf Club Noida
24 Poona Golf Club Pune
25 Pinewoods Golf Club Pune
26 The Belvedere Golf & Country Club Ahmedabad

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 Sr No Golf Course (For Lessons)
1 Gulmohar Greens Golf &Country club
2 Golden Swan Golf academy
3 Prestige Golfshire
4 AKDR
5 Boulder Hills Golf & Country Club
6 ProTouch Golf Academy
7 Poona Golf Club
8 Qutub Golf Club, Delhi
9 Karma Lakelands
10 Siri Fort
11 Kalhaar Blues & Greens Golf club
12 CGA Golf Academy
13 Royal Jaipur Golf Club
14 Noida Golf Club
15 Jaypee Greens Golf Club
16 Kensville Golf And Country Club
17 Panchkula Golf Club
18 Let's Golf
19 Jaypee Wishtown
20 Eagleton Golf Village
21 Hamoni
22 Pinewoods Golf Club
23 The Belvedere Golf & Country Club
24 Golden Greens Golf & Country Club

Terms and Conditions:

1. The VISA Golf Program will be applicable for YES FIRST Exclusive Credit Card, YES FIRST Preferred
Credit Card, YES Premia & YES Prosperity Edge Credit Card. Cards starting with the following BINs
are eligible for this offer – 404652600, 404652608,405023601, 405023610, 405023602, 405023605,
405023609, 405023611, 405023612 .
2. The offer is valid till 31st March 2023.
3. Eligible customers will have access the link https://teepassindia.thriwe.com/ and Sign Up (one-time
activity) for the first time and creates a User Name and Password where the validation will be done
basis the card number.
4. Once User Name and Password is created, Customer can now log-in and book the Golf Benefit. Once
Logged In, the Program details will be mentioned on the home page along with Tabs to “Book your
Golf”/ “New Booking” / “Dashboard” / “FAQs” / “T&Cs” / “Contact Us” / “Logout.
5. The program offers complimentary/Discounted golf rounds to the eligible cardholder. The cardholder
needs to meet the eligibility criteria required by the Bank or Visa in order to redeem the offering.

21
6. Complimentary/Discounted Golf Program is being provided by Visa/ Bank to its eligible cardholders
and in no-way should be construed as a complimentary/discounted from the respective Golf
Providers or the Service Provider.
7. Complimentary/Discounted Golf is subject to availability of slots with Partner Golf Course Facilities.
Only the Green Fees booked in advance by the cardholder are complimentary/Discounted. The
Cardmember needs to pay for any additional service availed during the round as charges may be.
8. Golf booking has to be made 5 clear days in advance from the date of play. No cancellation or
rescheduling requests will be considered within 3 clear days from the date of play. All bookings on
Public Holidays excess of complimentary rounds would be charged as per the weekend rates.
9. The Golf Course partners will not entertain any correspondence/inquiries and/or attempts for
bookings directly from the participating cardmembers and the partner will not respond directly to any
such inquiries
10. Access to the partner golf course facilities is only limited to the services mentioned in the program and
the card members participating in this program or their guests may not have access to the other
facilities such as restaurants, swimming pools, gymnasium, etc. 1.3.11 Visa or the Service Provider is
not responsible in any way for the quality and availability of the service provided by the partner golf
courses.
11. Visa or the Service Provider is not responsible for or liable for any action, claims, demands, losses,
damages, cost, charges, and expenses which the client may suffer, sustain or incur including but not
limited to changes or cancellations of the services provided under this program.
12. Visa or the Service Provider shall not be considered liable or in default of providing the golf round or
lesson services if such performance is prevented by adverse conditions, which is beyond its control.
13. Visa & their partners and agents, employees, directors, officers, representatives, shareholders, Golf
Courses and other suppliers of goods and services accept no liability from any and all claims 6 for
damages for death, personal injury, or property damage
14. If cancellation would be done within 3 clear days from the date of play the cardmember would be fully
charged and the amount would not be refunded.
15. Golf Course facility rules & local rules apply and subscribers to this program should adhere to the
same including but not limited to dress code, rules of the facility, producing identity proof as required.
Partner faculties reserve the right to reject/restrict service in event of not fulfilling these requirements
which the cardmember, his/her personal representatives, heirs, next-of-kin assigns and insurers may
have, or which may hereafter accrue, as a result of using the services provided in this program.
16. The above mentioned golf course/coaching partners are included in the program with respect to their
weekday/weekend policies.
17. The golf Program is completely non-transferrable hence benefit will be liable only to the cardholders.
18. For queries, email at customer.care@thriwe.com or call us at 1800 208 7899 from 9am to 7pm (Monday
to Friday)
19. Due to ongoing Covid-19 crisis, lounge services may be affected at certain airport facilities.

22
 Discount Offer on BookMyShow
1. This offer is valid for bookings done in Indian cinemas on YES FIRST Exclusive, YES FIRST
Preferred and YES Premia Credit Cards issued by YES Bank Limited (“YES BANK”).
2. Customer will get a discount of 25% on movies booked on BookMyShow website or app subject
to maximum discount in a calendar month capped to Rs 250.
3. Once the cap of Rs 250 is reached for the month, customer will not get any further discount for
that particular month.
4. The Cardholder shall be required to give personal information and card details online for the
tickets purchased on the Bookmyshow website and mobile app.
5. In case you have applied for the discount but the transaction doesn't go through for some
reason, kindly wait for 20 minutes before trying to avail the discount again.
6. The current purchase process at www.bookmyshow.com will remain unchanged till the stage
where the eligible Card number is provided. After this stage, the website will recognize the
eligible Card, reduce the bill amount and inform the transacting eligible Cardholders accordingly.
7. Customer will have to pay internet handling fee as levied on each ticket.
8. This Offer is valid ONLY for users coming directly to the Website or mobile app and not via
individual cinema sites.
9. Offer is applicable on all partner cinemas in India for which tickets can be booked on
www.bookmyshow.com
10. The offer cannot be combined with any offer/discounts/promotions at the theatres available
on www.bookmyshow.com.
11. Tickets once bought online, shall be considered sold and cannot be cancelled, refunded or
exchanged.
12. Once the booking is committed, the confirmation mail/SMS received from
(www.bookmyshow.com) needs to be exchanged with the ticket available at the theatre.
13. Bigtree and YES BANK reserve the right to disqualify any Card Holder/s from the benefits of
the offer. If case of any fraudulent activity, prosecution will be carried out in accordance with
applicable laws and regulations.
14. Bigtree and YES BANK reserve the right to modify/ change all or any of the terms applicable
to the offer and/or discontinue the offer without assigning any reasons or without any prior
intimation whatsoever.
15. Individual Cinema rules shall be applicable on the offer.
16. In addition to the above, this offer on the website is also subject to Bookmyshow's general
Terms of Use. Kindly refer to Bookmyshow's Terms & Conditions on the homepage.
17. In case of any disputes, Bigtree's decision will be final.
18. YES BANK provides no assurance on the services offered by Bigtree and shall not be liable in
any manner for any loss/ damage/ claim whatsoever and howsoever that may arise out of the
use of this offer. Any disputes that may arise out of this offer should be directly taken up with
Bigtree in full exception to YES BANK.

23
 Insurance Feature on Credit Card
Insurance Cover Features
Insurance YES FIRST YES FIRST YES YES PREMIA YES Rewards
Type Exclusive Credit Preferred / Wellness Prosperity Plus
Card Plus Credit Card Edge Credit
Card
Air 30,000,000 10,000,000 5,000,000 10,000,000 2,500,000
Accident
Insurance
(INR)
Medical 5,000,000 2,500,000 1,500,000 3,000,000 500,000
Emergency
Insurance -
Only on
foreign
travel
(INR)
Credit 1,500,000 800,000 300,000 300,000 100,000
Shield

1. Air Accident Insurance Cover:

 Policy is applicable in case of death due to flight accidents (in the air) and valid for
Primary Cardmembers only
 Insurance will be applicable only if the Flight ticket for that travel was booked using
Cardmember’s YES BANK Credit Card

2. Emergency Overseas Hospitalization:

 Pre-existing diseases or any surgery related to such pre-existing diseases would not be
covered
 Policy is applicable for protection against any medical emergency when Primary
Cardmember is travelling overseas
 Insurance will be applicable only if the Flight ticket for that travel was booked using
Cardmember’s YES BANK Credit Card
 The policy cannot be used for travel Visa purposes
 The medical emergency cover would trigger post the limit under the travel insurance
policy is exhausted. This cover will not be triggered in case the customer does hold an
individual travel policy (including medical cover)
 The maximum duration of the cover in an anniversary year is 90 days. The cover can be
utilized in single or multiple trips
 The aforementioned medical cover is on reimbursement basis only

3. Credit Shield:
 Credit Shield is the cover for outstanding Credit Card dues in case of an unfortunate event
of the Cardmember’s death (due to accident only)

24
Important Note : Please note that all the Insurance Benefits listed above are provided directly to
the Credit Card members by the appointed insurance company as per the mutual agreement
between the bank and insurance company whose terms, conditions and decisions, for which, YES
BANK is not liable, will apply. YES BANK does not hold any warranty and/or make
representation about the quality, delivery of the cover claims processing or settlement of the claim
by the insurance company in any manner whatsoever. YES BANK will not be liable for any
delayed settlement of the claims.
Claims submission process: For more information please call 24*7 YES TOUCH
Customer Care Number

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