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Yes Bank
YES Bank FIRST Business Credit Card
Visa
YES Bank FIRST Business Credit Card
Yes Bank's business-owner card, pairing a ₹999 fee with lounge access and insurance that punch above that price point — reward multipliers on fashion/healthcare require enrolling in optional paid Reward Subscription Plans.
Rates and fees last verified 15 July 2026.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate · YES Assist concierge for flight/hotel/restaurant bookings
- ✈️ Travel
4% reward rate · Up to 8 domestic (2/quarter) and 6 international lounge visits a year
- 🏨 Hotel
YES Assist concierge for flight/hotel/restaurant bookings
- 🛡️ Insurance
Accidental death cover and lost card liability protection up to ₹8 lakh each
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Benefits
- Up to 8 domestic (2/quarter) and 6 international lounge visits a year
- One complimentary golf lesson a month plus up to 4 waived green-fee sessions
- Accidental death cover and lost card liability protection up to ₹8 lakh each
- YES Assist concierge for flight/hotel/restaurant bookings
Pros
- + Strong 8+6 lounge access for a ₹999 fee card
- + Useful concierge and insurance for business travel
- + Reasonable base reward rate
Cons
- − Self-employed/business applicants only
- − Higher category multipliers gated behind paid subscription plans
- − Fuel surcharge waiver is standard, not enhanced