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  • We found 1 YES Bank First Business Credit Card
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    YES Bank First Business Credit Card
    Credit Card BYTES FROM OUR KITCHEN

    YES Bank First Business Credit Card

    The YES First Business Credit Card has been specially designed to meet all your business requirements. It comes loaded with a host of features and benefits that would assist you in carrying out your business activities with ease. From an attractive reward points programme and sign-up benefits to the easy EMI facility and the contactless feature, the YES First Business Credit Card will help you with all your financial dealings.

    YES First Business Credit Card features and business

    Facilities for business during travelling

    • The YES First Business Credit Card gives you up to 3 complimentary meeting room hours per year at Awfis Centers across India.
    • On opting for work desks like cabin, fixed, or flexi desks at Awfis Centers, you get a discount of 15%.
    • On opting for meeting rooms at Awfis Centers, you get a discount of 20%.
    • Complete business assistance.
    • By availing the RedGirraffe facility, you can easily automate your residential and office rent payments using the YES PayNow bill payment facility.
    • You also earn an interest-free credit period of up to 50 days and reward points on every rent payment.

    Easy and instant EMI

    • Your YES First Business Credit Card allows you to convert every transaction over Rs.2,500 to easy monthly instalments with low interest rates of 12% to 15% p.a.
    • You could shop for apparel, gadgets, groceries and book travel tickets and choose any tenure from 3, 6, 9, 12, 18, and 24 months to repay the loan.
    • You do not have to go through any documentation process and there’s also no processing fee.
    • You would also earn reward points on every transaction converted to EMI.

    Rewards points program: The YES First Business Credit Card offers you an attractive rewards points program.

    • On every Rs.100 spent on the YES First Business Credit Card, you get 6 reward points.
    • On using the card for online and dining spends, you earn up to 50% bonus reward points.
    • You also get 1,000 reward points on each registration for YES PayNow service that allows to conveniently pay your gas, home, electricity, and all other utility bills.

    Redemption of reward points

    • For redeeming the accumulated points on the YES First Business Credit Card, you get a host of attractive options from categories like flights, hotels, and office supplies. The value of each reward point for all of these categories would be Rs.0.25.
    • You could also opt for anything from a rich catalogue of handpicked products.
    • There’s also the option to redeem the points against air miles. For every 4 reward points, you get 1 JPMile.

    Sign-up and renewal rewards

    • You get 24,000 reward points on the first transaction using the card if it’s done within the 30 days of the card set-up date.
    • You also get 20,000 reward points on spending a minimum of Rs.3 lakh within 90 days of the card set-up date.
    • On each renewal, you would earn 24,000 reward points.

    Annual reward points program: On spending a minimum of Rs.12 lakh on the YES First Business Credit Card in an anniversary year, you get 20,000 reward points. Anniversary year is the 12-month period from the date of card set-up or the date of its renewal.

    Complimentary international lounge access: With your YES First Business Credit Card, you get a complimentary Priority Pass membership that gives you 6 complimentary accesses to international lounges in a calendar year.

    Benefits from MasterCard

    • Complimentary lounge access: Under the MasterCard Lounge Program, you get 3 complimentary access to MasterCard affiliated lounges in India per calendar quarter.
    • Golf program: The MasterCard World Gold Program gives you a waiver of green fee at select Indian golf courses. You also get a monthly complimentary golf lesson under this program. To avail these benefits, contact MasterCard golf concierge by dialling 1800 102 6263.

    Reliable concierge services

    Under the concierge services, you get the following:

    • Assistance in car rentals and limousine reservations
    • Hotel and travel reservations
    • Reservations for restaurants and special events and performances
    • Assistance in booking movie tickets in the cities of Chennai, Bengaluru, New Delhi, and Mumbai
    • You could also send a flower or any gift to your near and dear ones by availing the services of the concierge
    • Vehicle assistance
    • The YES First Business Credit Card provides you with emergency vehicle service assistance like emergency towing and roadside repair
    • To avail the vehicle assistance services, just call 1800 11 9371 or 022 42320239

    Insurance against ill-fortunes

    With the YES First Business Credit Card, you get

    • Air accidental cover of Rs.1 crore in case of death because of a flight accident.
    • Cover of Rs.25 lakh for medical emergencies while travelling overseas.
    • Credit shield coverage of Rs.5 lakhs on accidental death of the primary cardholder.

    Fuel surcharge waiver: With your YES First Business Credit Card, you can enjoy a fuel surcharge waiver of up to Rs.1,000 per statement cycle on transactions between Rs.400 and Rs.5,000.

    Contactless feature: The YES First Business Credit Card is loaded with the contactless facility that allows you to transact at merchant locations with just a mere wave of the card at the POS terminal. This ensures a faster, more secure, and more convenient way of offline payment.

    High security: You can secure all your online transactions through the MasterCard SecureCode by creating your own secure 3D password.

    Secured IVR transaction: Your YES First Business Credit Card also allows you to carry out secure interactive voice response (IVR) transactions by enabling you to generate an OTP for each IVR transaction that you wish to carry out. For generating the IVR, just SMS ‘YESIVR<space> last 4 digits of the YES BANK Credit Card number’ to 9212738927 from the registered mobile number.

    EMI on phone

    • You also have the option of converting any purchase of over Rs.2,500 into EMI at low interest rates of 12% to 15% p.a.
    • You can choose any tenure from 3, 6, 9, 12, 18, and 24 months to repay the loan and that too with a low processing fee.
    • Just call 1800 103 6000 to check your eligibility for this offer.

    Quick loan

    • Select YES BANK Credit Card members can also get a quick loan against the credit limit of their card.
    • There’s no documentation for this process and the disbursement is also very quick.
    • You would also enjoy a low processing fee and a low rate of interest. You could select the loan repayment tenure as 6, 12, 18, or 24 months.
    • Also, this loan doesn’t require any guarantor or post-dated cheque, and the amount is transferred directly to your savings account once the loan is approved.

    Easy payment of utility bills

    • The YES PayNow facility allows you to manage the payment of all your utility bills through a standing instruction on your card. So now you can pay your mobile, telephone, gas, electricity bills, insurance dues, and house rents on time and with ease.
    • You could also earn reward points and cashbacks for every bill registration.
    • The registration process for this facility is very easy and you would receive alerts over SMS and email.

    Full protection of your card

    • The comprehensive Card Protection Plan (CPP) would safeguard all your debit, credit, and prepaid cards in the unfortunate event of card loss or card theft occurring at any place in the world.
    • Just dial 1800-419-4000 for any claims related to the loss or theft of your cards and those cards would be blocked for your safety.
    • The CPP Card Protection would also help you in settling your hotel bills and booking travel tickets.
    • Moreover, you would also get benefits for loss of mobile phone, free replacement of PAN card, roadside assistance benefits, and credit report and analysis benefits.

    YES First Business Credit Card fees and charges

    Type of Fee Amount

    Joining fee

    NIL

    First year membership fee

    NIL

    Renewal membership fee

    NIL

    Interest-free period

    Up to 50 days

    Minimum amount due (MAD)

    5% of the total amount due as per statement or Rs.200, the higher amount

    Cash advance limit

    30% of the credit limit

    Add-on card joining fee

    NIL (Maximum of 3 add-on cards are issued)

    Add-on card annual fee

    NIL (Maximum of 3 add-on cards are issued)

    Interest rate on revolving credit

    For existing Yes Bank customers - 1.99% per month

    For other individuals - 2.75% per month

    Foreign currency markup

    1.75%

    Late payment charges

    If the statement balance is

    Less than Rs.100 – NIL

    From Rs.101 to Rs.500 – Rs.100

    From Rs.501 to Rs.5,000 – Rs.400

    From Rs.5,001 to Rs.20,000 – Rs.500

    More than Rs.20,000 – Rs.700

    Reward redemption fee

    Rs.100 per redemption request

    Payment return charges: auto pay/ cheques

    Rs.350 per instance

    Cash advance fee

    2.5% of the amount withdrawn or Rs.300, whichever is higher

    Over limit fee

    2.5% of the amount withdrawn or Rs.500, whichever is higher

    Re-issue of lost, damaged, or stolen card

    Rs.100 per reissuance

    Foreign currency conversion charges

    1.75%

    Duplicate statement (statement over 6 months)

    Rs.100 per statement

    Outstation cheque processing fee

    Rs.25 per outstation cheque

    Cash deposit at the bank branches

    Rs.100

    Railway tickets purchase or cancellation charges

    As prescribed by Indian Railways/ IRCTC

    Eligibility for the YES First Business Credit Card

    • To be eligible for the YES First Business Credit Card, you need to fulfil the following criteria
    • Your age should be in between 21 and 65 years.
    • The minimum tax return filed by you should be Rs.10 lakh.

    List of documents needed to apply for the YES First Business Credit Card

    To apply for the YES First Business Credit Card, you need to submit the following list of documents

    • PAN card
    • Address proof
    • ID proof
    • Credit card statement of your existing credit card account

    How to apply for the YES First Business Credit Card

    Apply online: You can apply for the card on the official website of YES Bank.

    • Visit www.yesbank.in/business-banking/cards/credit-cards/yes-first-business-card
    • Click on ‘Apply Now’ on the page.
    • On the new page to which you are redirected, scroll to YES First Business Credit Card and click ‘Apply Now’.
    • On the next page, answer the question ‘Are you an existing YES BANK Customer?’ by selecting ‘Yes’ or ‘No’.
    • Next, enter the required details and click on ‘Submit’.
    • Once you do this, you will be guided on the next set of formalities to apply for the card.

    Paperless application on BankBazaar: For eligible individuals who don’t want to spend time in the documentation process for applying for the card, BankBazaar.com has partnered with YES Bank to provide a smooth, fast, easy, and paperless application process. You just need to upload the documents on the website and the rest would be taken care of.

    • On bankbazaar.com, under the ‘Card’ tab on the top menu, select ‘Credit Cards’
    • Use the ‘Filter by’ option and then click on ‘Bank’ and then select ‘YES Bank’
    • A list of YES Bank credit cards would appear
    • Scroll to ‘YES First Business Credit Card’ and then click the ‘Check Eligibility’ button
    • Next, to check your eligibility for the card, you will be prompted to answer a list of questions about your residential status, income, etc
    • Once you prove your eligibility for the card, you’ll be redirected to the online application page. There, you have to enter the required details in the form and then submit it
    • Next, you will be prompted to upload the list of necessary documents
    • Once you successfully submit the documents, you’d get an acknowledgement with an ‘Application ID’. You can use this ID to track the application status

    FAQs on the YES First Business Credit Card

    • How do I register for the MasterCard SecureCode using my YES First Business Credit Card?

    To register for the MasterCard SecureCode, just visit, //www.yesbank.in/credit-card and click on ‘Continue’. You will be redirected to the YES Bank internet payment page. Enter your login ID and password and click on ‘Login’. If you are a new user, click on ‘Register’ and then enter the required details. You will then be guided on the next set of formalities.

    1. What options do I have to pay the outstanding on my YES First Business Credit Card?

    You get multiple options to pay the dues on your YES First Business Credit Card as per your convenience. For existing YES Bank customers, there are the options of net banking, ATM funds transfer, and standing instructions for auto debiting an amount from your savings or current account. Also, any type of customer, whether Yes Bank account holders or otherwise, can use NEFT/IMPS/RTGS, cheque payment, net banking, cash payment, YES mobile app, YES pay app, and the BillDesk facility to make their payment.

    1. How do I track the application status of my YES First Business Credit Card?

    To track the application status of your YES First Business Credit Card, call YES Bank customer care at 1800-103-6000 and quote the 13-digit unique application reference number that was sent to your registered mobile number.

    1. Can I cancel the CPP Card Protection Plan on my YES First Business Credit Card?

    Yes, you can cancel your CPP Card Protection Plan on your YES First Business Credit Card by calling the YES TOUCH Customer Care at 1800 103 6000. Your cancellation request would be processed within 3 to 4 working days and the bank would initiate the refund to your YES First Business Credit Card within 7 to 8 working days.

    1. What are redemption options for the reward points earned on the YES First Business Credit Card?

    There are a host of options against which you could redeem your YES First Business Credit Card reward points. Just visit www.yesrewardz.com/creditcard/, select the name of your credit card and there you would be able to view the wide and rich variety of redemption options to choose from.

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