YES Bank FIRST Business Credit Card, Apply Now

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 supports business travel while keeping everyday spending efficient and predictable.

YES First Business Credit Card Benefits

This card focuses on lifestyle privileges that support frequent business travel and routine expenses.

1. Golf Privileges: Enjoy 1 complimentary golf lesson every calendar month. Get 4 additional sessions with a green fee waiver at select golf courses across India.
2. Fuel Savings: Receive a 1% surcharge waiver at fuel stations nationwide. The benefit applies to transactions between ₹400-₹5,000.

YES First Business Credit Card Lounge Access Program

The lounge program adds comfort to both domestic and international travel.

1. International Lounge Access

• Get 6 complimentary international lounge visits per calendar year.
• Access applies only to the primary cardholder on Mastercard and Visa variants.

Note: After the free quota ends, standard lounge charges and taxes apply for the cardmember and guests.

2. Domestic Lounge Access

• Enjoy 2 complimentary domestic lounge visits per quarter across 30+ lounges in India.
• Access remains available via card swipe at the lounge or through QR code generation and scanning.
• Complimentary access applies to the primary cardmember only.

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YES Bank First Business Credit Card Rewards Program

The rewards program delivers high earning potential on business and lifestyle spends.

1. Standard Reward Earnings

• 16 YES Rewardz Points on every ₹200 spent on air travel, hotels, dining, travel bookings and rented vehicles.

Note: Earnings cap at 3,000 points per statement cycle.

• 8 YES Rewardz Points on every ₹200 spent on all categories other than select categories.
• 4 YES Rewardz Points on every ₹200 spent on select categories.
• 20,000 bonus reward points on annual spends of ₹12 lakh or more during each anniversary year.

2. Rewards Subscription Plans

• Plan 1 (₹3,500/year):

Travel, dining, and vehicle rentals earn 2X regular points.

Select and non-select categories earn 3X regular points.

• Plan 2 (₹5,000/year):

Travel and dining earn 3X regular points.

Fashion and healthcare earn 5X regular points.

💡The Pice App 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.

3. Reward Redemption

Redeem reward points for flights, hotels, shopping, recharges, e-vouchers and bill payments.

Choose curated voucher packs such as:

• Holiday Pack (Ixigo, Musafir, Abhibus, Rapido)
• Supersized Pack (Myntra, Ajio, Amazon Prime, Behrouz)
• Party Ready Pack (First Cry, Soch, Zouk)

YES First Business Credit Card Eligibility

Applicants must be 21–70 years old and self-employed, including proprietors or partnership firm partners. A minimum ITR of ₹10 lakh is required.

Note: Existing YES Bank credit cardholders do not qualify for this card.

YES Bank First Business Credit Card Charges

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.

The approved limit is shared at card delivery and reflected in monthly statements, including available credit. However, setting up the Pice App on your smartphone is in your hands.

FAQs