Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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

    • 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
    Joining fees Rs.5,000 (Waived if applied through BankBazaar)
    Annual fee Rs.5,000 plus applicable taxes
    Finance charges For YES Bank current, savings, and business banking relationship- 1.99% per month and 23.88% p.a. For Non-YES Bank current, savings, or business banking customers- 2.75% per month and 33% p.a.
    Cash advance charges 2.5% of the advance amount
    Over limit charges 2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
    Add-on card fee Nil up to 3 cards
    Late payment fees Outstanding balance up to Rs.100- Nil From Rs.101 to Rs.500- Rs.100 From Rs.501to Rs.5,000- Rs.400 From Rs.5,001 to Rs.20,000- Rs.500 Above Rs.20,000- Rs.700
    Returned cheque Rs.350
    Foreign currency mark-up charge 1.75% on the transaction amount
    Duplicate statement request Rs.100 per statement
    Re-issue of lost or stolen card Rs.100

    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.

    How to apply for YES First Business Credit Card?

    You can apply for a YES First Business Credit Card by visiting YES Bank’s official website. You can also apply for this credit card through BankBazaar by following the steps below:

    • Open the official BankBazaar website
    • Choose “Cards” in the menu
    • Navigate to “Credit Cards”
    • Filter your results by choosing “YES Bank”
    • You will see a list of credit cards offered by YES Bank
    • Against “YES First Business Credit Card” click on the “Check Eligibility” option
    • If you are eligible, you will be redirected to fill an online application
    • Enter all the details required
    • Upload the required documents
    • Click on “Submit”
    • Make a note of the “Application ID” and use to check the status of the application

    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.


    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Card Reviews

    • YES Bank Credit Card
      0.5 1.0/5 "Really Bad"
      I have applied for Yes Bank Credit card through Online .The agent not gave exact details about the credit card ,The credit limit was very less ,It was upto 60,000.I have received the credit card on time .There are,cash back offers and reward points,not using the card closed it since the credit limit was less .
      Was this review helpful? 0
      , chennai
      Reviewed on May 13, 2019
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