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Yes First Business Credit Card

Apply YES First Business Credit Card

Annual Fee

4999?*

Reward Type

Travel

Joining Fee

4999?*

View Details

Features

  • Earn up to 8 Rewards Points per INR 100 spent. Reward Points that never expire
  • Free Add on Card available for 1 family member of the applicant
  • Annual bonus of 20,000 Rewards Points on spends of INR 12 lakhs or above in each anniversary year
  • Airport Lounge Access
    • India: 3 Domestic Airport Lounge visits per calendar quarter through the Mastercard Lounge Programme
    • International: 6 Complimentary visits (outside India) to more than 1200 lounges for Primary Cardmember, with Priority pass membership
  • Fuel Surcharge waiver across fuel stations in India
  • Special Offers across Dining, Shopping, Travel and more

Pricing

  • Interest Rate: 3.5% pm
  • Processing Fee: NIL
  • Joining Fees: NIL
  • Annual Fees: 1000 + Applicable Taxes (Waived off on spending of over 75000 annualy)

Documents Required

  • ID Proof - Pan Card/ Driving License/ Passport/ Voter ID card/ Aadhar card (with Photo)/ Letter issued by Unique Identification authority of India (with Photo)/ NREGA Card(with photo)
  • Salaried; Employee ID with Office Address/Visiting card with email ID (Mandatory)
  • Address Proof - Driving License/ Passport/ Voter ID card/ Aadhar card (with Address)/ Letter issued by Unique Identification authority of India (with Address)/ NREGA Card(with Address)
  • Signature Proof - Pan card/ Driving License/ Passport/ NREGA Card(with Signature)
  • Salaried Income Proof - Last 2 months Salary slip (Salary Proof not required if applicants salary account is with Yes Bank)
  • Salaried - Last 2 months Credit Card Statement and Card Face Image
  • Self Employed Income Proof: Last 1 year ITR
  • Self-employed - Last 2 months Credit Card Statement and Card Face Image
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Overview of YES FIRST BUSINESS Credit Card

The YES FIRST BUSINESS Credit Card provides 50% accelerated rewards on online spends and dining spends. It also has attractive Foreign Currency Markup along with many other curated privileges for business.

About YES BANK

BANK is known to be India’s fourth largest private sector Bank. It is a “Full Service Commercial Bank” that has developed a Corporate, Retail and SME Banking franchise, with a vast product range including Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking and Wealth Management business lines that are spread across India. Rana Kapoor is the founder of YES Bank.

YES FIRST BUSINESS Credit Card Features

  • For every Rs.100 that is spent on retail spends, the customer can earn 6 reward points.
  • There are 50% bonus rewards on online spends and dining as per VISA/MasterCard definition of dining and online as a merchant category.
  • For every YES PayNOW registration, the customer gets 1000 reward points.
  • There is an Interest Rate of 1.99% per month only on revolving credit, cash advances and overdue amount for card holders who have a YES BANK salary or savings account.
  • There is an Interest Rate of 2.75% per month only on revolving credit, cash advances and overdue amount for card holders who do not have a YES BANK salary or savings account.
  • Preferential Foreign Currency Markup of 1.75% only is given.
  • There is a fuel surcharge waiver that is provided at all fuel stations across the country for transactions between Rs.400 and Rs.5000.
  • Insurance coverage of Rs.1 crore is provided for air accidental cover in case of death due to a flight accident
  • Insurance coverage of Rs.25 lakhs is provided as cover on medical emergencies while travelling overseas.
  • Insurance coverage of Rs.5 lakhs is provided as a credit shield cover on accidental death of the primary cardholder.
  • This credit card has contactless technology which enables fast, convenient and secure payments at all retail shops.
  • MasterCard SecureCode can be created to secure online transactions

YES FIRST BUSINESS Credit Card Benefits

  • 20,000 reward points can be earned on one’s first transaction that is done within 30 days of the card’s set up date.
  • 15,000 reward points can be earned on each renewal.

YES FIRST BUSINESS Credit Card Annual Fee

The YES FIRST BUSINESS Credit Card has a first-year membership fee of Rs.5,000 plus applicable taxes. The renewal membership fee is Rs.5,000 plus applicable taxes.

Eligibility for YES FIRST BUSINESS Credit Card

In order to be eligible for a YES FIRST BUSINESS Credit Card, the customer must meet certain eligibility criteria for the same. The eligibility criteria are as follows:

  • One must be a minimum of 21 years of age and a maximum of 65 years of age.
  • Must either be self-employed, Proprietors and Partners of Partnership firms.
  • Should have minimum Income Tax Returns of Rs.10 lakhs.

Documents required for YES FIRST BUSINESS Credit Card

The documentation is very simple. One will be needed to submit the following:

  • 2 passport size photos and a signature-bearing national identity card
  • Proof of address which can be submitted in the form of a Ration card, an electricity bill, passport, etc.
  • PAN card, Form 16 and Income Tax Returns
  • Proof of salary, employment / proof of business details

Redemption of Reward Points

One can redeem the YES FIRST BUSINESS Credit Card’s reward points on the dedicated website for reward points redemption on flights, hotels or office supplies category.

Rs.0.25 = 1 reward point

There is a handpicked catalogue of products to choose from for the customer.

1 JPMile = 4 reward points (for Air-miles)

YES FIRST BUSINESS Credit Card FAQs

1. What if my card is lost/stolen?

If you happen to lose or misplace your credit card, call the credit cards customer service credit cards customer service, and report the card lost/stolen.

2. How can I check my eligibility for the YES FIRST BUSINESS Credit Card?

You can check your eligibility for a YES FIRST BUSINESS Credit Card with CreditMantri by creating your credit profile.

3. What is the annual fee of YES FIRST BUSINESS Credit Card?

The YES FIRST BUSINESS Credit Card has a first-year membership fee of Rs.5,000 plus applicable taxes. The renewal membership fee is Rs.5,000 plus applicable taxes.

4. How can I redeem my reward points with this credit card?

One can redeem the YES FIRST BUSINESS Credit Card’s reward points on the dedicated website for reward points redemption on flights, hotels or office supplies category.

Rs.0.25 = 1 reward point.

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