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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.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (2 per quarter)
- International lounge access: 6 complimentary international lounge visits per year
- Golf: 1 complimentary golf lesson per month plus up to 4 waived green-fee sessions per year at select courses in India
- Insurance benefits: Air accident cover up to ₹1 crore; overseas emergency hospitalization cover up to ₹25 lakh; credit shield of ₹5 lakh on the primary cardholder's death
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
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 2%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹5,000 at all fuel stations in India, capped per statement cycle
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
Best for