YES First Business Credit Card
Yes Bank · Open to apply
A business card at ₹999: 16 YES Rewardz per ₹200 on travel and dining (up to 3,000 points a statement), 8 elsewhere, 6 international lounge visits a year, 2 domestic a quarter, golf and a 2% forex markup; 20,000 points at ₹12 lakh a year.
- Annual fee
- ₹999 + GST a year
- Joining fee
- ₹999 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 8 YES Rewardz per ₹200 on all other categories: 8 YES Rewardz per ₹200 (about 0.4% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹75,000 spend; International: 6 visits a calendar year
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 16 YES Rewardz per ₹200 on air, hotel, dining and travel: 16 YES Rewardz per ₹200 (about 0.8% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet, fuel, government, cash and EMI
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- Paid feature, Rewards Subscription Plan (one year): a plan bought for a fee earns extra points on the card's spends. Not an always-on rate, so not in the earn rules.
- The business card page's select-category list also holds local transport (4111, 4121, 4131), mapped here only where our categories match (utilities, groceries, insurance, education, tolls).
- The page puts the 15 Jun 2026 earn exclusions (insurance, education, railways, toll, ferry, jewellery) on the retail cards only; the business glossary lists none, so none are entered here even though insurance, education and tolls are Select categories.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, YES First Business Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Business credit cards listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)