YES FIRST Business Credit Card Review

Among the several credit cards offered by Yes Bank, Yes First Business Credit Card is a unique one. This card is specially designed for corporate-related uses, and to offer you some exclusive benefits and privileges. The benefits offered by this card are lounge access, golf benefit, fuel surcharge waiver, insurance coverage, concierge service, etc. You can also earn reward points from every transaction made with this card.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 70 yrs. 
    • Income: Income tax return should be greater than ₹10 lakh. 
  • For self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: Income tax return should be greater than ₹10 lakh.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹4,999 + GST
  • Annual Fee: ₹4,999 + GST


  • Welcome benefit:

If you choose this card you will get 20,000 reward points on the first transaction made with this card. You have to make the first transaction within 30 days of the card issuance to claim this offer.  

You will also get 15,000 reward points for each renewal of this card.

  • Reward benefit:

For each ₹200 transactions made on Tour operators, travel agencies, and domestic airlines, you will get 16 reward points. You will also get 8 reward points for the same in other categories. 

If you register for Yes PayNow you will get 1000 reward points. 

You can redeem those reward points very easily you can redeem them against flight, movie tickets, or hotel bookings, and for various products available in the reward catalog. You can also redeem them into Air Miles, (8 reward points = 1 air mile)

  • Lounge access:

This card offers 6 complimentary international lounge accesses in a year, under the priority pass membership. You will have to pay $27 + GST for guest visits.   

You will also get 3 free visits to domestic MasterCard lounges. 

  • Golf:

This card offers a big waiver on green fees at some selected golf courses in India. You will also get one complimentary golf lesson monthly. 

  • Fuel surcharge waiver:

If you choose this card you will get a 1% waiver on fuel surcharges. This offer applies to all fuel stations in India. The transaction amount should be between ₹400 to ₹5000.

  • Insurance coverage:

You will get a coverage of ₹1 Cr against air accidental deaths, and ₹25 lakh coverage against emergency hospitalization while traveling abroad. 

This card also offers a Credit Shield of ₹5 lakh for the accidental death of the cardholder. 

  • Milestone benefit:

If you can spend ₹12 lakh or more within an anniversary year, you will get 20,000 reward points. 

  • Concierge  and Automobile assistance Service:

With this card you will get a 24X7 active concierge service, they can assist you in car rental, hotel booking, reservation of travel, assistance during special events, table booking at restaurants, booking movie tickets, etc. 

You will also get an automobile assistance facility with this card.

  • Secure IVR Transaction:

For IVR transactions you need an OTP. You have to send an SMS from your mobile number which is registered in the Bank. Type YESIVR<space>last 4 digits of the card number and send it to 9212738927.

  • EMI facility:

You can convert any transaction over ₹1500 into EMI, with this card. This feature is very helpful for the shoppers. 

  • Security:

This card has a built-in EMV chip this chip is specially designed to add more security to your transactions. Also, this card comes with 3D security which makes it more secure. 

  • Other features:

There are also some other features in the card like Quick loan facility, Yes Paynow facility, Card Protection Plans, etc.  

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.


  • Finance Charge: 3.5% monthly. 
  • Foreign currency transaction: 1.75% against the transaction amount. 

Contact Details:

Call: 18001031212



100xGain Ratings:


Final Opinion:

If you are looking for a business card that can offer you benefits and privileges, then this is the card you need. It can help you to save money from company-related expenses. You can earn reward points from this card, you will get complimentary lounge and golf access, insurance coverage, fuel surcharge waiver, and lots more. But if you are looking for cost management-related benefits like spend tracker, expense management facility, etc. then you can go for American Express Corporate Card or Kotak Mahindra Corporate Gold Credit Card

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