YES First Business Credit Card

• • Redemption fee: ₹100

20,000 reward points on annual spends of ₹12,00,000 or more in each anniversary year.

Joining fee

₹999 plus applicable taxes

Annual / renewal fee

₹999 plus applicable taxes

Annual fee waiver

Spending ₹20,000 or more within one month of card set-up waives the first-year fee. Spending ₹3,00,000 or more in the 12 months before renewal waives the renewal fee.

Interest rate

3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

1.75% on foreign currency conversion

DCC markup

1%

Reward redemption

₹100 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹500/cycle

Duplicate card

₹100

Income (salaried)

Income tax return of ₹10,00,000 and above

Income (self-employed)

₹10L/year

• Who is the YES First Business Credit Card for?
• What is the milestone benefit?