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YES First Business Credit Card

by Kshitiz V Sharma on

The Bottom Line

YES First Business Credit Card
Average Fee, Below Average Rewards

16 reward points / ₹200 on travel & dining, 4 points on tax payments, utilities & government services and 8 points on all other spends. Low 1.75% Forex markup.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -0.9%^ 0.0% 0.5% 0.9% 0.9%
Est. Monthly Reward (₹) (45) 95 450 915
All-India Rewards Rank* 223 231 216 155 146
Within Bank Rank* 12 11 11 7 7
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The YES First Business Credit Card gives 2% effective reward on dining & travel, 0.50% on select categories (tax payments, utilities, government services ) and 1% on all other spending.

It also offers a relatively low forex markup of 1.75% on overseas transactions.

Overall, including milestone rewards, we estimate you can earn a net reward yield of 0.5-0.9% on spending above ₹20,000 with this card in a month.

The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.

You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card YES First Business Credit Card
Card Type Reward
Reward Features 16 Reward Points / ₹200 on:
– Travel
– Dining

8 Reward Points / ₹200 on all other spends

3 Reward Points / ₹200 on:
– Tax payments
– Utilities
– Government Services

Milestone Rewards 20,000 points on annual spend of ₹12 Lacs
Other Rewards – 6 Complimentary International Airport Lounge Visits / Year

– 2 Complimentary Domestic Airport Lounge Visits / Qtr.

– 12 Complimentary rounds of Golf / Year

Rewards Redemption Fee ₹100
Reward Caps 3,000 rewards points on Travel and Dining
Preferred Redemption Method Redeem on YES Rewardz Portal

1RP = ₹0.25

Fees & Charges

Card YES First Business Credit Card
Joining Fee ₹999 + Taxes
Annual Fee ₹999 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹3 Lacs
Income Criteria Salaried N/A
Self-employed ITR>₹10 Lacs
Supplementary Card Fee Free
Interest Rate 42.00% p.a.
Foreign Currency Markup 1.75%
Cash Advance Charge 2.50% with a minimum of ₹300
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