YES FIRST BUSINESS Credit Card

The features associated with this credit card are listed as follows:

Reward Points: You can earn the following reward benefits with this card:

• 8 reward points per Rs. 200 spent on travel-related expenses and dining
• 4 reward points are earned on every Rs. 200 spent on other categories
• 5X reward points on first three transactions on YES PayNow registration

Reward Points can be earned on select categories only.

Annual Reward Points: You get 20,000 reward points on spending Rs. 12 lakh or more annually in each anniversary. Note that, anniversary year is considerably twelve months from the date of card set-up or renewal.

Welcome & Renewal Benefits: Cardholders get 20,000 reward points on the first transaction made within 30 days of card issuance. On renewal fee payment users get 15,000 reward points.

Reward Points Redemption: With the YES FIRST BUSINESS credit card you get to redeem reward points against movies, hotel, and flight bookings along with exclusive catalogue of products. You can also redeem your reward points against Air Miles at the rate of 8 Reward Point = 1 InterMile / 1 Club Vistara Point. To know more about YesRewardz click here.

Fuel Surcharge Waiver: You get a 1% fuel surcharge waiver across all fuel stations across India, on spending between Rs. 400 and Rs. 5,000.

Airport Lounge Access: The credit card offers the following lounge benefits to primary cardholders:

• For MasterCard Variants: Complimentary Priority Pass Membership along with 6 visits per calendar year at airports outside India. Note that, the complimentary priority pass membership is available upon request and beyond 6 visits the access is chargeable.
• For Visa Variants: 6 complimentary airport lounges visits in a calendar year via the LoungeKey Program.
• When it comes to domestic lounge access, you get 2 visits per quarter across 30+ lounges in India. To check the list of lounges, click here.

Golf Access: When it comes to benefits around golf access, you get green fee waiver at select golf courses in India along with one free complimentary golf lesson per month.

Insurance Coverage: Insurance benefits offered on YES FIRST BUSINESS credit card are:

• Rs. 1 Crore air accidental cover in case of death due to a flight accident
• Rs. 25 Lakhs cover on medical emergencies when traveling overseas
• Rs. 8 Lakhs credit shield cover on the accidental death of Primary cardholder

Low Interest Charges:  The foreign currency mark-up fee is just 1.75% on this credit card, which is a fairly low fee in comparison to what is usually charged. In addition to that the interest on revolving credit, cash advance and overdue amount is 3.5% per month.

Fee Type	Details
Joining Fee	Rs. 999 (waived off on spending Rs. 60,000 or more on retail spends within 90 days)
Annual/Renewal Fee	Rs. 999 (waived off on spending Rs. 3 Lakh or more on retail spends within  12 months)
Interest-Free Credit Period	Up to 50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Late Payment Fee	Statement Balance: Less than Rs. 100 – Nil Between Rs. 100 to up to Rs. 500 – Rs. 150 Between Rs. 501 to up to Rs. 5,000– Rs. 500 Between Rs. 5,001 to up to Rs. 20,000– Rs. 750 Over Rs. 20,000 – Rs. 1,000

Click here to check detailed fee and charges associated with this credit card.

Criteria	Details
Age	21 to 70 years
Occupation	Self-employed, Proprietors and Partners in Partnership firms
Income	Minimum Income Tax Return of Rs. 10 Lakhs
Serviceable Cities	Click Here for the list of serviceable cities
Documents Required	Click Here for the list of acceptable documents

YES FIRST BUSINESS Credit Card is a good option for self-employed people looking for travel benefits. At a nominal joining and annual fee of Rs. 999, the card matches up to some of the benefits that are usually offered by premium credit cards. These include low foreign currency markup fee and access to International and domestic airport lounges.

In addition to that, the card does not limit itself to travel benefits even when it provides top-notch benefits at nominal fee. With this credit card you can also earn up to 8 reward points per every Rs. 200, along with other premium features such as golf access and insurance coverage. All-in-all the card is a good option as it thrives itself more or less as an all rounder credit card, while keeping its foot stern in the travel category. However, if you are looking for more extensive benefits for business people, you can check other business credit cards in India. Also note that since this card is only offered to self-employed people, you should look out for other credit cards if you are salaried.

How do I track the status of my YES FIRST BUSINESS Credit Card?
You can track the status of your credit card by contacting YES Bank’s 24*7 customer care at 1800-103-6000. Note that you need to qoute the 13 digit unique application reference number sent you your registered mobile number.

What is the limit on fuel surcharge waiver on this credit card?
The maximum waiver you can avail per statement cycle with your YES Bank FIRST BUSINESS Credit Card is Rs. 1,000. Also, note that only the fuel surcharge is waived off whereas the GST applicable on the surcharge is not waived off.

Is this credit card compatible for contactless payments?
YES FIRST BUSINESS Credit Card is compatible for contactless payments that enables fast, convenient and secure payments across merchant that accept such transactions. The maximum limit for contactless transactions is Rs. 5,000 as per latest RBI guidelines.

What to do if my YES Bank Credit Card is lost or stolen?
In case your credit card is lost or stolen, you should immediately report the loss to the bank. For this SMS BLKCC <space> <Last 4 digits of your Credit Card number> to 9840909000 from your registered mobile number. Immediately reporting and blocking the credit card will help you avoid any suspicious activity with your credit card.