Compare & Choose from the Best Credit Card Offers
Best Suited For – Corporate Employees
*Offers are from Paisabazaar's partner Banks & NBFCs.
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 the YES Bank website.
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.
The features associated with YES FIRST Business Credit Card are:
Reward Points – The reward points that can be earned on this credit card are:
Reward Points can be earned on select categories only.
Annual Reward Points – Customers get 20,000 reward points on spending Rs. 12 lakh annually
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 Point Redemption – Users get to redeem reward points against office supplies, hotel, and flight bookings. The reward point conversion rate is 8 Reward Point = 1 InterMile / 1 Club Vistara Point
Fuel Surcharge Waiver – 1% Fuel surcharge waiver is given to users if they spend between Rs. 400 and Rs. 5,000
Airport Lounge Access – Users get access to following Lounges
Golf Access – Customers get green fee waiver at select golf courses in India. Moreover, users get to avail one free golf lesson per month
Insurance Coverage –
Foreign Fee Markup – The mark-up fee is just 1.75% on this credit card.
Refer to the table below to understand the fees and charges associated with YES Prosperity Business Credit Card-
| Fee/Charge | Amount/Rate |
| Joining Fee | Rs. 4,999 |
| Renewal Fee | Rs. 4,999 |
| Interest Rate on Revolving Credit | 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount |
| Interest-free Period | Up to 50 days |
| Cash Withdrawal Limit | 30% of the credit limit |
| Finance Charges/Cash Advance Fee | 3.50% of the amount |
| 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. 150 From Rs. 501 to Rs. 5,000- Rs. 500 From Rs. 5,001 to Rs. 20,000- Rs. 750 Above Rs. 20,000- Rs. 1000 |
| Add-on Card Fee | Nil (up to 3 cards can be issued) |
| Payment Return Charges (Autopay/Cheques) | Rs. 350 per instance |
| Criteria | Details |
| Occupation | Self-employed, Proprietors and Partners in Partnership firms |
| Income | Minimum Income Tax Return of Rs. 10 Lakhs |
| Age | 21 to 70 years |
| Documents Required | Click Here for the list of acceptable documents |
Who can apply for this credit card?
Indian Corporations whose Income Tax returns are over Rs. 10.00 lakh only can apply for this credit card.
What is the annual fee charged on YES FIRST Business Credit Card?
The annual fee charged on YES Prosperity FIRST Credit Card is Rs. 4,999.
What is the foreign transaction markup fee on YES FIRST Business Credit Card?
The markup fee is just 1.75% on YES FIRST Business Credit Card.
Does YES FIRST Business Credit Card provide lounge access?
Yes, users get 6 free visits to Priority Pass international lounges and 3 free accesses to MasterCard domestic lounges.
Thank you to the executives at Paisabazaar who helped me find such a rewarding scheme.
All my expenses are managed these days with the help of my Yes bank credit card.
These guys delivered my Yes bank credit card in just 2 business days at no additional fee.
The discounts, offers and cashbacks I am getting with Yes Bank, are simply unmatchable.
Yes bank is bank of the recent generation. They have outcasted many already established banks.
Paisabazaar has always been my favorite banking partner. They come up with great schemes on credit cards. I got mine from them.
