{"id":84505,"date":"2026-02-10T15:32:52","date_gmt":"2026-02-10T10:02:52","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84505"},"modified":"2026-02-11T11:49:45","modified_gmt":"2026-02-11T06:19:45","slug":"yes-bank-first-business-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/yes-bank-first-business-credit-card\/","title":{"rendered":"YES Bank FIRST Business Credit Card, Apply Now"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6 international lounge visits every year.<\/li>\n\n\n\n<li>Low 1.75% foreign currency markup.<\/li>\n\n\n\n<li>20,000 bonus points on spending \u20b912 lakh.<\/li>\n\n\n\n<li>1 golf lesson every calendar month.<\/li>\n\n\n\n<li>Rewards cap at 3,000 points per cycle.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>YES First Business Credit Card suits self-employed professionals who seek strong travel benefits and controlled costs. The card offers airport lounge access, golf privileges, fuel savings and reward points on regular business spends.<\/p>\n\n\n\n<p>A low foreign currency markup of 1.75% helps manage overseas expenses. With added lifestyle benefits and practical rewards, this card supports business travel while keeping everyday spending efficient and predictable.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#yes-first-business-credit-card-benefits\">YES First Business Credit Card Benefits<\/a><\/li><li><a href=\"#yes-first-business-credit-card-lounge-access-program\">YES First Business Credit Card Lounge Access Program<\/a><\/li><li><a href=\"#yes-bank-first-business-credit-card-rewards-program\">YES Bank First Business Credit Card Rewards Program<\/a><\/li><li><a href=\"#yes-first-business-credit-card-eligibility\">YES First Business Credit Card Eligibility<\/a><\/li><li><a href=\"#yes-bank-first-business-credit-card-charges\">YES Bank First Business Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-first-business-credit-card-benefits\"><strong>YES First Business Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"570\" height=\"351\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-first-business-credit-card.webp\" alt=\"yes bank first business credit card\" class=\"wp-image-84568 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-first-business-credit-card.webp 570w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-first-business-credit-card-300x185.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-first-business-credit-card-150x92.webp 150w\" sizes=\"auto, (max-width: 570px) 100vw, 570px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>This card focuses on lifestyle privileges that support frequent business travel and routine expenses.<\/p>\n<\/div><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Golf Privileges:<\/strong> Enjoy 1 complimentary golf lesson every calendar month. Get 4 additional sessions with a green fee waiver at select golf courses across India.<\/li>\n\n\n\n<li><strong>Fuel Savings:<\/strong> Receive a 1% surcharge waiver at fuel stations nationwide. The benefit applies to transactions between \u20b9400-\u20b95,000.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-first-business-credit-card-lounge-access-program\"><strong>YES First Business Credit Card Lounge Access Program<\/strong><\/h2>\n\n\n\n<p>The lounge program adds comfort to both domestic and international travel.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>International Lounge Access<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 6 complimentary international lounge visits per calendar year.<\/li>\n\n\n\n<li>Access applies only to the primary cardholder on Mastercard and Visa variants.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> After the free quota ends, standard lounge charges and taxes apply for the cardmember and guests.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Domestic Lounge Access<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy 2 complimentary <a href=\"https:\/\/www.yes.bank.in\/pdf?name=ybl_yes_bank_domestic_lounge_access.pdf\" target=\"_blank\" rel=\"noopener\">domestic lounge<\/a> visits per quarter across 30+ lounges in India.<\/li>\n\n\n\n<li>Access remains available via card swipe at the lounge or through QR code generation and scanning.<\/li>\n\n\n\n<li>Complimentary access applies to the primary cardmember only.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-first-business-credit-card-rewards-program\"><strong>YES Bank First Business Credit Card Rewards Program<\/strong><\/h2>\n\n\n\n<p>The rewards program delivers high earning potential on business and lifestyle spends.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Standard Reward Earnings<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>16 YES Rewardz Points on every \u20b9200 spent on air travel, hotels, dining, travel bookings and rented vehicles.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> Earnings cap at 3,000 points per statement cycle.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>8 YES Rewardz Points on every \u20b9200 spent on all categories other than select categories.<\/li>\n\n\n\n<li>4 YES Rewardz Points on every \u20b9200 spent on select categories.<\/li>\n\n\n\n<li>20,000 bonus reward points on annual spends of \u20b912 lakh or more during each anniversary year.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Rewards Subscription Plans<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plan 1 (\u20b93,500\/year):<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Travel, dining, and vehicle rentals earn 2X regular points.<\/p>\n\n\n\n<p>Select and non-select categories earn 3X regular points.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plan 2 (\u20b95,000\/year):<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Travel and dining earn 3X regular points.<\/p>\n\n\n\n<p>Fashion and healthcare earn 5X regular points.<\/p>\n\n\n\n<p>\ud83d\udca1<a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">The Pice App<\/a> does not require any subscription plan. Once you download the Pice App, you can use it to pay your credit card bills in the most secure way. It is compliant with current GST standards. Moreover, you can get payment reminder alerts and also track payment status.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Reward Redemption<\/strong><\/li>\n<\/ol>\n\n\n\n<p><a href=\"https:\/\/www.yes.bank.in\/personal-banking\/yes-individual\/cards\/credit-cards\/credit-card-services\/rewards-subscription-plan\" target=\"_blank\" rel=\"noopener\">Redeem reward points<\/a> for flights, hotels, shopping, recharges, e-vouchers and bill payments.<\/p>\n\n\n\n<p>Choose curated voucher packs such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Holiday Pack (Ixigo, Musafir, Abhibus, Rapido)<\/li>\n\n\n\n<li>Supersized Pack (Myntra, Ajio, Amazon Prime, Behrouz)<\/li>\n\n\n\n<li>Party Ready Pack (First Cry, Soch, Zouk)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-first-business-credit-card-eligibility\"><strong>YES First Business Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Applicants must be 21\u201370 years old and self-employed, including proprietors or partnership firm partners. A minimum ITR of \u20b910 lakh is required.<\/p>\n\n\n\n<p><strong>Note<\/strong>: Existing YES Bank credit cardholders do not qualify for this card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-first-business-credit-card-charges\"><strong>YES Bank First Business Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td><strong>Joining Fee<\/strong><\/td><td>\u20b9999 + applicable taxes<\/td><\/tr><tr><td><strong>Annual Fee<\/strong><\/td><td>\u20b9999 + applicable taxes<\/td><\/tr><tr><td><strong>Interest Charges<\/strong><\/td><td>3.99% monthly or 47.88% annually<\/td><\/tr><tr><td><strong>Cheque Dishonour Charges<\/strong><\/td><td>\u20b9450<\/td><\/tr><tr><td><strong>Cash Advance Fee<\/strong><\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td><strong>Late Payment Charges:<\/strong>\u20b9500Above \u20b9500<\/td><td>Nil10% or \u20b91,350 (whichever is lower)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Do you know how the YES First Business Credit Card limit is set? YES Bank sets the YES First Business Credit Card limit based on its internal assessment. Add-on cardholders share the primary limit.<\/p>\n\n\n\n<p>The approved limit is shared at card delivery and reflected in monthly statements, including available credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1768494306986\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I activate online transactions through the IRIS by YES BANK app?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Log in to the iris by YES BANK mobile app and go to the Credit Cards section. Open Manage Card, select Card Control and switch on online transactions. For international lounge access, enable international online usage and set a sufficient transaction limit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768494321982\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the process to book domestic airport lounge visits online?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Visit the Lounge One booking platform and select your departure airport and preferred lounge. Sign in, choose your credit card, enter guest details if required and complete the booking. A QR code appears instantly and must be scanned with your boarding pass at lounge entry.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768494332615\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I enroll in the YES Rewardz subscription plan?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply for the rewards subscription plan through the official online page. Alternatively, contact YES TOUCH Customer Care available 24\u00d77. Call 18001036000 or 18001031212 within India or +912249350000 when calling from abroad.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768494342831\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is a Quick Loan on a YES Bank Credit Card and how is it disbursed?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A Quick Loan is a pre-approved personal loan offered to select cardmembers with no documentation. The amount credits instantly to a YES Bank savings account or transfers via NEFT to another bank account after details are shared.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768494352653\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What does Post Purchase EMI mean and how can you use it?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Post Purchase EMI allows you to split eligible credit card spends into easy monthly payments. You can request this facility through digital banking channels or customer care and select a repayment tenure between 6 and 36 months.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways YES First Business Credit Card suits self-employed professionals who seek strong travel benefits and controlled costs. The card offers airport lounge access, golf privileges, fuel savings and reward points on regular business spends. A low foreign currency markup of 1.75% helps manage overseas expenses. With added lifestyle benefits and practical rewards, this card [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84505","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84505"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84505\/revisions"}],"predecessor-version":[{"id":85197,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84505\/revisions\/85197"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85184"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}