When I opened my account in Yes bank at that time they provided me this Yes first Exclusive credit card at zero balance but now they limit minimum Rupees of ten thousand.This credit card is accepted every where while shopping or any other places but the transaction charges are high as compare to other credit card and many times they deduct my balance without my permission as monthly SMS charges and transaction charges.Customer care service is too poor as many time I have waited for 30 minutes on phone call and they put my call on hold upto 10-20 minutes.