YES First Business Credit Card
A premium corporate card designed for founders, entrepreneurs, and established SME directors. It features a reduced 2.00% foreign exchange markup on international SaaS tools and advertising platforms, paired with 14 combined domestic and international airport lounge visits for executive business travel.
Why We Recommend The YES First Business Credit Card
A practical commercial credit card that pairs short-term working capital with travel lounges and a low 2% forex markup.
Entrepreneurs, founders, and small business owners managing SaaS subscriptions, supplier payouts, and business travel.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES First Business Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (up to ₹0.50 on travel portal bookings) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES First Business Credit Card
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES First Business Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
6 complimentary international airport lounge visits per calendar year via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES First Business Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 2.00% foreign exchange markup on cross-border SaaS and tech tools.
14 combined domestic and international airport lounge visits annually for business travel.
Detailed commercial accounting MIS statements for simplified GST input credit reconciliation.
Pros & Cons of the YES First Business Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Low 2% forex fee saves on overseas software, servers, and advertising expenses.
- Combined domestic and international airport lounge access.
- Streamlines business expense tracking and tax documentation.
Things to Consider (Cons)
- Requires business entity documentation (GST registration or Udyam certificate).
- Annual renewal fee of ₹2,499 + GST unless spend threshold is reached.
- Utility reward acceleration carries monthly statement limits.
Who Can Apply for the YES First Business Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES First Business Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the YES First Business Credit Card?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.