YES FIRST Business Credit Card
- Joining fee
₹999 + GST
- Annual fee
₹999 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- 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
Benefits
- Movie & dining
15% Off at Select Restaurants With Dining Fiesta Program
- Travel
Accelerated Reward Point Earning for Travel Spends
- Domestic lounge
2 complimentary access to Domestic Lounges quarterly (for VISA Cardholders).
- International lounge
6 complimentary access to international lounges.
- Golf
Complimentary Golf Lesson Each Month and Green Fee Waiver at Select Golf Courses
- Insurance
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 highlights
- 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.
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.