Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • YES Bank First Business Credit Card

    The First Business Credit Card is designed for corporates and businesses to take care of financial transactions related to the business and ensure that spending translates into savings and rewards as well. Along with reward points for various categories, there are also accelerated reward points on spending for dining, domestic air tickets, tour operators, and travel agencies.

    There are reward points for achieving significant milestone spends, on renewal, and on the first transaction. These reward points can be redeemed against exclusive products in the bank's catalogue as well as for flight tickets, movie tickets, hotel bookings, and airline miles. There are also Priority Pass memberships for international lounge access.

    You also get a fuel surcharge waiver and a green fee waiver at select golf courses in the country. There is insurance coverage provided through the card for the accidental death of the primary cardholder, medical emergencies when travelling abroad, and death due to flight accidents. Apart from this, the bank also offers the special features of Quick Loan, EMI on Call, and Instant EMI.

    YES First Business Credit Card Key Highlights

    • Welcome gift of 20,000 reward points after you make your first transaction within 30 days of the card being issued.
    • Get 15,000 reward points when you renew your credit card
    • 6 complimentary international airport lounge access every year via Priority Pass Membership & 2 complimentary domestic airport lounge access every quarter for primary cardholders.
    • You also get Rs.1 crore air accidental insurance cover with the card.
    • Register on YES PayNow and get 1,000 reward points.
    • Every time you renew your card, you will get 15,000 reward points.

    YES First Business Credit Card Lifestyle Benefits

    • Earn 4 reward points on every Rs.200 spent on all other category spends.
    • Enjoy 8 reward points on all dining and online spends for every Rs.200 spent.
    • Preferential foreign currency markup of 1.75% only.
    • Green fee waiver & complimentary golf lessons at select golf courses in India.
    • Attractive interest rate of 3.50% per month on revolving credit.
    • Reward points never expire.
    • Earn 20,000 reward points if your annual spends exceed Rs.12 lakh or more in an anniversary year.
    • Redeem the accumulated reward points on flight bookings, hotel reservations, or to buy office supplies.
    • The cash value of each reward point is Re.0.25.
    • Enjoy fuel surcharge waiver on your fuel purchases between Rs.400 to Rs.5,000.

    YES First Business Credit Card Features and Benefits

    • YES Assist: With this card, you will get dedicated concierge services. This dedicated team will help you with your hotel reservations, flight bookings, restaurant reservation assistance, movie ticket assistance, and flower and gift delivery.
    • Automobile assistance: You also get 24x7 emergency towing assistance and roadside repair services with this card.
    • AWFIS: This feature makes renting out workspaces affordable. Get up to 2 complimentary meeting room hours per calendar quarter at select AWFIS Centres across India. Also get 15% discount on cabin, fixed, and flexi work desks and 20% on meeting room bookings at AWIFIS Centres.
    • Fuel Surcharge waiver: Save on your fuel bills using the fuel surcharge waiver applicable at all fuel outlets in India for transactions between Rs.400 to Rs.5,000.
    • Insurance benefit: Get Rs.25 lakh medical insurance cover while travelling overseas, Rs. 1 crore as insurance cover in the event of death due to a flight accident, and Rs.8 lakh credit shield cover in the event of the accidental death of the primary cardmember.
    • Card Protection Plan: Safeguard your credit card with the Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.

    YES First Business Credit Card Fees and Charges

    Type of Fee Amount
    First Year Fee Rs.999
    Renewal Fee Rs.999

    Eligibility Criteria for YES First Business Credit Card

    The eligibility criteria to get a YES First Business Credit Card are as follows:

    • Your minimum age should be at least 21 years.
    • You are less than 65 years.
    • You should be self-employed, a proprietor, or a partner in a partnership firm.
    • Your minimum income tax return is Rs.10 lakh.

    Documents Required for YES First Business Credit Card

    Address proof Any one of the documents
    • Passport
    • Telephone bill
    • Electricity bill
    • Passport
    • Voter ID card
    • Ration card
    • Aadhaar card
    Identity Proof Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter’s ID card
    • Driving Licence
    Income proof (For salaried)
    • Recent pay slips
    • Last 6 months bank statements
    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement
    • Balance sheet
    Other documents
    • Duly-filed application form
    • Passport size photographs

    Note: These are the general documents you should keep handy when you apply for a credit card. However, YES Bank can request additional documents if required.

    FAQs on YES First Business Credit Card

    1. How do I book my complimentary golf lesson every month?

      You can book your golf lessons by calling YES Bank credit card customer care department at 1800 103 1212.

    2. Is there a cap on the maximum fuel surcharge waiver I can avail on my card?

      Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.1,000.

    3. Can the secondary cardholder use the complimentary lounge access facility?

      Only the primary cardholder can enjoy complimentary lounge access. A lounge access fee of US$27 will be charged for additional guests.

    4. How do I know the list of AWFIS Centres in my city?

      Please visit the official AWFIS website at to find a list of centres available in your city.

    5. Can I convert a transaction I made on my YES First Business Credit Card into EMI?

      Yes, you can convert a transaction into EMI without processing fees. Please get in touch with YES Bank for more details.

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