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YES First Business Credit Card

Business card with travel-weighted rewards

Annual fee₹999Waived on ₹3.0L spend

Rewards16 YES Rewardz Points per ₹200 on air, hotel, dining, travel and rented-vehicle spends, 8 per ₹200 on other categories and 4 per ₹200 on select categories.

Forex markup1.8%1.75% on foreign currency conversion

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Rewards

Base earn rate

16 YES Rewardz Points per ₹200 on air, hotel, dining, travel and rented-vehicle spends, 8 per ₹200 on other categories and 4 per ₹200 on select categories.

YES Rewardz

Category	Rate	Cap
Air, Hotel, Dining, Travel And Rented Vehicles	—	Capped at 3,000 points per statement
Other Categories	—	—
Select Categories	—	Utility spends capped at 300 points per statement cycle
YES Pay Now	—	—

• Redemption fee: ₹100

Milestone benefits

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

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹35,000 prior spend (quarter)

International

6visits / year

Fees & charges

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Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher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

Late payment

Nil while the current outstanding (statement balance plus unbilled) is ₹500 or less. Above that, 10% of the statement balance or ₹1,350, whichever is lower, per statement.

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