YES FIRST Business Credit Card
- Updated On: 19 May, 2026
YES FIRST Business Credit Card by Yes Bank has been designed to deliver the best privileges and tons of benefits to businesses. Yes Bank has launched two business cards: the YES FIRST Business and the YES PROSPERITY Business Credit Card. The card delivers exciting Reward Points for all business transactions and benefits in travel, fuel, and redemption options across various categories, including Air Travel, Hotel Stays, accessories, and more. The First Business card offers tons of reward points in all categories, as well as in select categories. Apart from that, the card provides great milestone benefits, a fuel surcharge waiver, and a spend-based fee waiver. The best part is that the Foreign Currency Markup on the card is 2% only. This is a very low rate compared to other cards. Hence, it allows businessmen to spend freely while traveling abroad.
Also, the card offers excellent travel benefits, such as complimentary international lounge access with the Priority Pass Membership for Mastercard cardholders and the LoungeKey Program for Visa cardholders. In addition to international lounge access, the card offers domestic lounge access for VISA cardholders. On top of that, one complimentary golf lesson is also provided with the First Business card. Refer to the following details to get a more thorough review of the card:
YES FIRST Business Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
16 RPs/₹200 Spent on Air/Hotel/Dining/Travel/Rented Vehicles. 8 RPs/₹200 Spent on Select Categories and 4 RPs/₹200 Spent on Select Categories
Welcome Benefits
NA
Rewards and Benefits
Movie & Dining
15% Off at Select Restaurants With Dining Fiesta Program
Rewards Rate
16 RPs/₹200 Spent on Air/Hotel/Dining/Travel/Rented Vehicles. 8 RPs/₹200 Spent on Select Categories and 4 RPs/₹200 Spent on Select Categories
Reward Redemption
Redeem RPs Against Flight/Hotel/Movie Bookings or an Exclusive Catalogue of Products
Travel
Accelerated Reward Point Earning for Travel Spends
Domestic Lounge Access
2 complimentary access to Domestic Lounges quarterly (for VISA Cardholders).
International Lounge Access
6 complimentary access to international lounges.
Golf
Complimentary Golf Lesson Each Month and Green Fee Waiver at Select Golf Courses
Insurance Benefits
Insurance Cover up to Rs. 1 crore.
Fees & Charges
Spend-Based Waiver
Joining Fee Waived on Spending ₹20,000 in First 30 Days. Annual Fee Waived on Spending ₹3 Lakh or More in a Year
Rewards Redemption Fee
₹100 + GST
Foreign Currency Markup
2%
Interest Rates
3.99% Per Month (47.88% Per Annum)
Fuel Surcharge Waiver
1% on Fuel Transactions Between ₹500 and ₹5,000
Cash Advance Charges
2.5% Or ₹650 (Whichever is Higher)
Product Details
- 20,000 Reward Points annually based on spends.
- 16 Reward Points per ₹200 spent on all travel and dining.
- 4 Reward Points per ₹200 spent on select categories.
- Complimentary access to international lounges.
- Complimentary access to domestic lounges.
- Complimentary golf lessons.
- Foreign currency markup fee of 2%.
- 1% Fuel surcharge waiver.
YES FIRST Business Credit Card Features and Benefits
YES FIRST Business Credit Card is an excellent tool for businesses to earn more from every transaction through exciting reward points and travel benefits. Below are the detailed features associated with this card:
Milestone Benefits
Get 20,000 RPs on spending ₹12 Lakhs or more in a year with YES FIRST Business Credit Card.
Spend-Based Waiver
On spending ₹20,000 within 30 days of card issuance, you can get the joining fee waived. Also, on spending ₹3,00,000 in a year, you can get the annual fee waived for the card.
Travel Benefits
- Enjoy 2 complimentary accesses to Domestic Lounges quarterly with the Domestic Lounge Program. These lounge visits shall only be unlocked after quarterly spending of ₹75,000 or above.
- 6 Complimentary access to International Airport Lounges every year outside India with Priority Pass Membership. Note that you will be charged $35 for visiting beyond 6 visits and per guest visit.
Golf Program
Get one complimentary golf lesson every month. Book your lesson by creating an account with TeePass India Golf Program.
Low Foreign Currency Markup
The foreign currency markup with YES FIRST Business Credit Card is 2% (plus taxes). This is very low compared to other credit cards, which charge 3.5%.
Fuel Surcharge Waiver
1% fuel surcharge waiver on all fuel transactions between ₹500 & ₹5,000. The waiver is capped at ₹1,000 per month for the YES FIRST Business Credit Card.
Insurance Benefits
| Insurance Type | Cover |
| Air Accident Insurance | ₹1 Crore |
| Medical Emergency Insurance (Only on foreign travel) | ₹25 Lakh |
| Credit Shield | ₹8 Lakh |
YES FIRST Business Credit Card Rewards
- 16 Reward Points per ₹200 you spend on Air/Hotel/Dining/Travel/Rented Vehicles. A maximum of 3,000 Reward Points can be earned each month for these categories.
- 8 Reward Points per ₹200 you spend on categories other than those in the select category.
- 4 Reward Points per ₹200 for spends on select categories.
Rewards Redemption
With YesRewardz, you redeem the points earned against:
- Flight, Hotel, or Movie ticket booking.
- Products Catalog
YES FIRST Business Credit Card Fees & Charges
- Annual Fee: The First Business card’s annual fee and the joining fee are ₹999 (plus applicable taxes).
- Interest Rate: The card charges 3.99% per month (47.88% annually) as the interest rate on the due amount.
- Cash Advance Fee: A cash withdrawal fee of 2.5% or ₹650 (whichever is higher) applies to cash withdrawals.
- Forex Mark-up Fee: The foreign currency mark-up fee on the card is 2% of the transaction amount.
YES Business Credit Card Eligibility Criteria
The following are the eligibility criteria for the Yes Bank Business credit card:
| Particular | Criteria |
| Age | 21 Years – 65 Years |
| Income | Self-employed, proprietors, and Partners of Partnership firms with an Income Tax Return of ₹10 Lakhs or more |
| Credit Score | Decent Credit Score (750 or Above) |
Conclusion
Many well-known credit card issuers now offer business credit cards that are very beneficial for business owners. YES FIRST Business Credit Card, similar to HDFC BizGrow Credit Card, rewards every business transaction except fuel with great reward points so that you can do more with your card. The card also offers great ways to redeem the reward points earned. On top of that, it offers complimentary access to domestic lounges as well as international lounges to make the travel luxurious. Most importantly, the card charges a very low foreign transaction fee of 1.75% on all global transactions.
Please comment your thoughts on the review of this card below.
FAQs:
Does the card offer reward points for all business transactions done with the YES FIRST Business Credit Card?
Yes, the YES FIRST Business Credit Card offers reward points for every transaction for all categories like travel, hotel, dining, and much more. However, note that you will not earn points on transactions towards Fuel.
What is the maximum fuel surcharge waiver on the card?
The card offers a 1% waiver on all fuel transactions between ₹400 and ₹5,000. The waiver is capped at ₹1,000 per month for the YES FIRST Business Credit Card.
What interest charges are applicable to cash advance transactions?
The interest charges applicable to cash advance transactions are 3.99% per month (47.88% annually).
Does the card provide zero lost protection?
Yes, the cardholder is not liable for any fraudulent transaction after reporting the loss to Yes Bank’s customer care. However, customers will be liable for transactions before reporting.
2 comments
Abhishek Chatterjee
This card was officially launched under the RuPay Select variant at GFF 2025.
Abhishek Chatterjee
YES First/Prosperity Business RuPay Select Credit Card (both card) launched on RuPay variant.
The benefits are the same, that’s why RuPay Select has provided the benefits of both cards under the same option.