Credit Card Rating
/ 5 ( Reviews)
Rate YES FIRST Business Credit Card
YES FIRST Business Credit Card makes travel cheaper for the businesspersons and rewards them for all their spends. The card also offers complimentary lounge access at domestic and international airports. Read on to know more about this credit card.
Best suited for
- REWARDS
- FUEL
- LOUNGE
Fee
Annual Fee: ₹ 4999
Joining Fee: ₹ 4999
*Plus taxes. Membership fee will be charged in first statement
Highlights & Rewards 
Highlights
Rewards Value
Highlights- Earn 20,000 Reward Points on your first transaction done within 30 days of the Card set-up date or upgrade date
- 15,000 Reward Points on each renewal
Rewards Value- ₹100 = 8 Reward Points (On Travel Agencies & Tour Operators, Domestic Airlines and Dining)
- ₹100 = 4 Reward Points (On others)
- Save upto ₹12168 on Annual Spend of ₹4 Lakh
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Find your perfect Credit Card
Best Suited For – Corporate Employees
- Access to Golf Courses in India
- MasterCard Lounge Access and Priority Pass Membership
- Foreign Currency Markup Fee of 1.75%
Get YES Bank FIRST Business Credit Card Now
*Offers are from Paisabazaar's partner Banks & NBFCs.
OTP Verification
Eligibility and Documentation
| Criteria | Details |
|---|---|
| Occupation | Self-employed |
| Minimum Income | Rs. 9,00,000 per annum |
| Serviceable Cities | Click here for the list of eligible cities |
YES Bank will also ask for KYC documents including identity proof, income proof and address proof. List of acceptable documents is given below.
Features
- Reward Points
The reward points that can be earned on this credit card are:
- 8 reward points for every Rs. 100 spent on travel agencies and tour operators, domestic airlines and dining
- 4 reward points are earned on every Rs. 100 spent on other categories
- 1,000 Reward points are earned on each YES PayNow registration
- Annual Bonus Rewards
Customers earn 20,000 bonus reward points on spending Rs. 12.00 lakh in a year.
- Reward Point Redemption
Users get to redeem reward points against the hotel, flight, office supplies. 4 Reward Point = 1 Intermile / Re. 1
- Welcome & Renewal Benefits
Users can earn 20,000 reward points on the first transaction made within 30 days of card setup. Each subsequent renewal will provide the user with 15,000 reward points.
- Priority Pass Membership
Users get free Priority Pass Membership. 6 Free International lounge access for the primary card holder.
- Concierge Service
Users get to enjoy YES Assist that offers exclusive concierge assistance for hotel reservations, flower and gift delivery, special event reservation, movies and much more.
- Insurance
Users get the following coverage through this credit card:
- Credit Shield – Under this scheme cardholder’s outstanding amount is insured and the customer or their family does not have to pay the bill in case of primary cardholder’s death by accident
- Air Accident Cover – Users are insured up to Rs. 1 Crore for death due to air accident
- Medical Emergencies – Customers get up to Rs. 25 lakh in medical coverage while abroad
Watch this video
YES FIRST Business Credit Card is well-suited to the needs of small businesses. They can earn rewards for all expenses with extra rewards on travel. A low foreign exchange mark-up fee makes it a good option to finance your foreign visits. Here is a short video about this business credit card.
YES FIRST Business Credit Card is well-suited to the needs of small businesses. They can earn rewards for all expenses with extra rewards on travel. A low foreign exchange mark-up fee makes it a good option to finance your foreign visits. Here is a short video about this business credit card.
Benefits
Fee and Charges
| Title | Details |
|---|---|
| Annual Fee | Rs. 4,999 |
| Interest-free Period | Up to 50 days |
| Cash Limit | 30% of the credit limit |
| Cash Advance Fee | 2.5% of the amount withdrawn (min. Rs. 300) |
| Overlimit Fee | 2.5% of the over-limit amount (min. Rs. 500) |
| Foreign Exchange Mark-up | 1.75% |
| Late Payment Charges | For balance-Below Rs. 100- Nil From Rs. 100 to Rs. 500- Rs. 100 From Rs. 501 to Rs. 5,000- Rs. 400 From Rs. 5,001 to Rs. 20,000- Rs. 500 Above Rs. 20,000- Rs. 700 |
| Add-on Card Fee | Nil (up to 3 cards can be issued) |
| Payment Return Charges (Autopay/Cheques) | Rs. 350 per instance |
YES Bank Credit Card Customer Care Details
| Title | Details |
|---|---|
| Customer Care Number for Resident Indians | 1800 103 1212 (Toll Free) |
| Customer Care Number for Resident Indian | +91 22 4935 0000 |
| Customer Care E-mail Address | yestouchcc@yesbank.in |
How to Apply for YES FIRST Business Credit Card
Interested self-employed people can apply for this credit card in a few easy steps:
- Click here to start the application process and fill up the required details
- You will now see all the cards you are eligible for
- Filter the results for “YES Bank Credit Cards” and find “YES FIRST Business Credit Card”
- Check eligibility for this card by entering some more details
- If eligible, proceed to fill a detailed application form and submit
After successful application, an executive will call you and take the process further. A field agent will come to collect the documents from your preferred address. The bank will then verify the information provided and carry out its internal proceedings. If satisfied, YES Bank will issue the card. The process may take up to 15 days.
FAQs
Are there any credit cards that do not charge foreign transaction fees?
Yes, there are few premium credit cards that do not charge foreign transaction fee. These include Axis Bank Burgundy Private Credit Card, RBL World Safari Credit Card, etc.
What will the Welcome Kit contain?
The Welcome Kit contains a Usage Guide, a Travel Card along with an envelope containing the ATM PIN.
How do I register for MasterCard® SecureCode facility?
To register for MasterCard 3D Secure Password click here. Afterwards, login into the account and follow the onscreen instructions to secure the payment.
Is the card exclusively for Business persons?
Yes, the card is given only to those individuals who are self-employed or run a business.
How to reach the golf concierge service of YES Bank?
Golf benefit on this card is offered by Mastercard. For bookings or any other assistance related to golf concierge, you can call on 1800 102 6263.
Can I register the card for Samsung Pay?
Yes, you can register the card with Samsung Pay to easily make payments. The steps are:
- Tap on Samsung Pay icon and Launch the app
- Use Samsung Account ID and Password to sign in. If you don’t have an account click on sign up and follow the on screen instructions
- Tap on the Samsung Pay icon and click on Use Fingerprint button to register your fingerprints. You may set up a PIN for payment Authentication too
- Now register the YES Bank Credit Card by clicking on ‘Add’
- Use the camera to auto-read the card details/ enter it manually
- Provide the OTP that you received via SMS to complete the process
Other Travel Credit Cards
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
MakeMyTrip ICICI Bank Signature Credit Card
| Rs.2,500 | Get every 6th Ola ride Earn 4 My Cash per Rs.100 spent on hotel/holiday booking through MakeMyTrip | 3.7/5 |
NIL | Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift Get complimentary MMT Black Membership | 3.3/5 | |
Rs. 1,500 | Get Domestic Airport Lounge access Earn 2 Club Vistara Points per Rs. 200 | N/A | |
Rs. 500 | Get up to 10% value back as Reward Points on train tickets at IRCTC website for AC1, AC2 and AC CC categories Earn 1 Reward Points on every Rs.125 spent | 3.4/5 |