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YES BANK
YES First Business Credit Card
Travel
Lounge Access
Rewards
1st Year Fee: ₹999* Plus Applicable Taxes
Lounge Access
8 domestic lounge visits every year
Travel Benefits
Low foreign exchange markup fee of 1.75%
Rewards Point
16 reward points on every Rs. 200 spent
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About YES First Business Credit Card
YES First Business Credit Card is a business-oriented credit card that is specifically designed for self-employed professionals. This card offers up to 16 reward points for every Rs. 200 spent on multiple categories and 4 reward points per Rs. 200 on select categories. Besides this, cardholders can also earn up to 5X reward points on select spends by opting for the Rewards Subscription Plan at an annual fee of up to Rs. 5,000.
For frequent travellers, this card offers 8 complimentary domestic & 6 international lounge visits per year. It also charges a low forex markup fee of 1.75%, enhancing its overall value for overseas travellers. The card not only offers travel benefits but also comes with lifestyle benefits like free golf lessons, and milestone benefits of up to 20,000 reward points and more. Overall, this credit card is a decent choice for business owners looking to maximize their savings on everyday spends while availing decent travel & lifestyle benefits.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit YES BANK website.
Rewards Program & Travel Benefits
Rewards Program
- 4 reward points for every Rs. 200 spent on select categories
- 16 reward points on Rs. 200 spent on all categories except select categories1
- 8 reward points for every Rs. 200 spent on all categories except select categories
- 2X reward points on travel, dining, and vehicle rentals with the Reward Subscription Plan for Rs. 3,500
- 3X reward points on select categories and non-select categories with the Reward Subscription Plan for Rs. 3,500
- 3X reward points on travel and dining with the Reward Subscription Plan for Rs. 5,000
- 5X reward points on fashion and healthcare with the Reward Subscription Plan for Rs. 5,000
Other Features and Benefits
Golf Benefits
- 12 complimentary golf lessons per year
- 4 free rounds of green fees per year (1 round per month)
Joining Fee Waiver
- Joining fee waiver on spending Rs. 20,000 in a month
Annual Fee Waiver
- Annual fee waiver on spending of Rs. 3 Lakh
Milestone Benefit
- 20,000 reward points on annual spends of Rs. 12 Lakh
YES First Business Credit Card: Fees & Charges
| Particulars | Amount | ||||||
|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 999 + Taxes | ||||||
| Annual Fee | Rs. 999 + Taxes | ||||||
| Finance Charges | 3.99% p.m. (47.88% p.a.) | ||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if
You are a frequent traveller and are looking for a card with a low forex markup fee of 1.75% with global airport lounge visits
You are willing to pay extra for a Reward Subscription Plan to earn up to 5X reward points
You can spend Rs. 3 Lakh in a year to avail the annual fee waiver
Eligibility criteria
Minimum Age Requirement: 21 to 70 years
Occupation: Self-employed
Income: Minimum ITR of Rs. 10 Lakh
Paisabazaar Review
What do we like about this card?
YES First Business Credit Card is a decent choice for consumers who are looking for a card to maximize their travel benefits with a low forex markup fee of 1.75%, along with international and domestic lounge visits. Besides this, it offers up to 16 points per Rs. 200 spent on multiple categories and 4 points per Rs. 200 spent on select categories. Cardholders can maximize the benefits by earning between 2X and 5X reward points on select spends with the Rewards Subscription Plan. Overall, this credit card is designed to offer moderate benefits on everyday spends along with decent travel & lifestyle benefits.
Pros
- Low forex markup fee of 1.75%
- Up to 20,000 reward points every year
- Up to 12 complimentary golf lessons every year
- Easily achievable spending milestone for annual fee waiver
Cons
- Accelerated reward points are limited to select categories
- Rewards subscription plan is required to maximize benefits
Frequently Asked Questions
Everything you need to know about this credit card
YES First Business Credit Card is available to self-employed professionals between 21 and 70 years of age. Applicants must have a minimum taxable income or ITR of Rs. 10 Lakh, along with valid business and income documents.
Cardholders can earn up to 16 reward points on Rs. 200 spent on all categories except select categories. Additional benefits include 2X rewards on travel, dining, and vehicle rentals, and up to 5X reward points on fashion and healthcare spends through optional Reward Subscription Plans.
The card offers a low foreign exchange markup fee of 1.75%, making international transactions cost-effective. Cardholders also avail complimentary international airport lounge visits and 8 complimentary domestic lounge visits every year, enhancing comfort during frequent business and leisure travel.
Yes, YES First Business Credit Card provides premium lifestyle benefits such as 12 complimentary golf lessons annually and 4 free rounds of green fee per year. These benefits are ideal for professionals who value leisure.
The joining fee is waived if the cardholder spends Rs. 20,000 within the first month of card issuance. The annual fee is waived on achieving total annual spends of Rs. 3 Lakh.
No, the Reward Subscription Plan is optional. However, opting for the plan allows cardholders to earn significantly higher reward points, including up to 3X rewards on multiple categories and up to 5X rewards on fashion and healthcare spends.
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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