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

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    To those who put their businesses first, the YES First Business Credit Card offers a wide range of benefits. From attractive discounts on workspaces to best foreign currency mark-up fee, this credit card is exclusively designed to help businesses save while they take care of their business expenses.

    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
    • Make a transaction within 30 days from the date the card was issued and earn 24,000 reward points as a welcome gift.
    • Earn 20,000 reward points if your total spends exceed Rs.3 lakh within the first 90 days from the date the card was set-up.
    • Get 6 complimentary international lounge access in a calendar year.
    • 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 24,000 reward points.

    YES First Business Credit Card lifestyle benefits

    • Earn 6 reward points on every Rs.100 spent on all retail spends.
    • Enjoy 50% bonus reward points on all dining and online spends.
    • 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.
    • RedGirraffe: Paying rent is now hassle-free. RedGirraffe offers excellent RentPay assistance to businesses in India. You can use this feature to automate your office and residential rent payments through the YES PayNow bill pay facility. You are also eligible to earn reward points on your rent payments and get up to 50 days of interest-free credit period.
    • Rewards redemption option: Apart from redeeming your accumulated reward points to buy products from an exclusive catalogue, you can also convert your reward points into JPMiles and use it to book your flight tickets. The value of 4 reward points will be 1 JPMile.
    • MasterCard Lounge Program: Get 3 complimentary access to MasterCard affiliated lounges across India per calendar quarter.
    • MasterCard World Golf Program: Enjoy green fee waiver at select golf courses in India under this program. You also get one free golf lesson every calendar month.
    • 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 traveling overseas and Rs.5 lakh credit shield cover in case of accidental death of the primary cardholder.
    • 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.4,999
    Renewal Fee Rs.4,999

    Eligibility to apply 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, partner, or a partnership firm.
    • Your minimum income tax return is Rs.10 lakh.

    Documents required to apply 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 license
    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 for additional documents if required.

    FAQs on YES First Business Credit Card

    1. How do I book my complimentary golf lesson every month?
    2. You can book your golf lessons via phone by getting in touch with Mastercard Golf Concierge Desk on 1800 102 6263. You can also reach YES Bank credit card customer care department at 1800 103 1212.

    3. Is there a cap on the maximum fuel surcharge waiver I can avail on my card?
    4. Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.1,000.

    5. Can the secondary cardholder use the complimentary lounge access facility?
    6. Only the primary cardholder can enjoy the complimentary lounge access. A lounge access fee of US$27 will be charged for additional guests.

    7. How do I know the list of AWFIS Centres in my city?
    8. Please visit the official AWFIS website at to find a list of centres available in your city.

    9. Can I covert a transaction I made on my YES First Business Credit Card into EMI?
    10. 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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