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YES FIRST BUSINESS Credit Card Features

The following are the features of YES FIRST BUSINESS Credit Card:

  • YES Assist: You can receive an ample number of benefits from air ticket booking to movie ticket booking.
  • Automobile assistance: With this card, you also get 24×7 emergency towing support and roadside repair services.
  • AWFIS: This feature makes it affordable to rent out workspaces. At select AWFIS centres around India, get up to complimentary meeting room hours per calendar quarterGet 15 per cent discount on the cabin, fixed and mobile work desks and 20 per cent discount on AWIFIS Centers meeting room bookings.
  • Reward redemption option: You can also turn your reward points into JPMiles and use them to book your flight tickets, in addition to redeeming your accrued YES FIRST BUSINESS Credit Card reward points to purchase items from an exclusive catalogue. There will be JPMile for the sum of reward points.
  • MasterCard Lounge Program: Every calendar quarter, receive free access to MasterCard associated lounges throughout India.
  • Fuel Surcharge waiver: Save on your fuel bills using the fuel surcharge waiver applicable for transactions between Rs.400 to Rs.5,000 at all fuel outlets in India
  • Insurance benefits: Get Rs.25 lakh medical insurance cover in case of accidental death of the primary cardholder while travelling overseas and Rs. 5 lakh credit shield cover.
  • Card Security Plan: With the Card Protection Plan, safeguard your credit card. In the event of card failure, theft, or fraud, this feature covers you.

YES FIRST BUSINESS Credit Card Eligibility Criteria

The following is the eligibility criteria for YES FIRST BUSINESS Credit Card :

Eligibility Criteria


Minimum Age 21 years
Maximum Age 65 years
Occupation  Self-employed, a proprietor, partner, or a partnership firm
Minimum Income Tax Rs.10 lakh

YES FIRST BUSINESS Credit Card Documentation

The following documents are required for YES FIRST BUSINESS Credit Card:

Address proof

Identity Proof

Income proof

  • Aadhaar card
  • Telephone bill
  • Electricity bill
  • Passport
  • Voter ID card
  • Ration card
  • Passport
  • Driving license
  • PAN Card
  • Aadhaar card
  • Voter’s ID card
  • Ration Card
  • Passport
  • 2 Passport size photographs
For salaried

  • Latest payslips
  • Bank Account statements for the past 6 months.

For self-employed

  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement
  • Balance sheet

Fees and Charges

The Fees and Charges related to YES FIRST BUSINESS Credit Card are shown in the below table:

Fees and Charges


Annual Fee Rs. 4999
Add-on Card Fee NIL ( up to 3 cards can be issued)
Cash Limit 30% of the credit limit
Cash Advance Fee 2.5% of the amount withdrawn; or minimum Rs. 300(whichever is more)
Overlimit Fee 2.5% of the over-limit amount; or minimum Rs. 500(whichever is more)
Foreign Exchange Mark-up 1.75%

Rewards Points programs

  • Within 30 days of the card set-up date or upgrade date, receive 20,000 Reward Points on the first purchase.
  • 15,000 Reward Points on each renewal
  • ₹100 = 8 Reward Points (On Travel Agencies & Tour Operators, Domestic Airlines and Dining)
  • ₹100 = 4 Reward Points (On others)
  • Save up to ₹12168 on an Annual Spend of ₹4 Lakh


  • The YES FIRST BUSINESS Credit Card Cash limit is 30% of the credit limit.

How to apply for YES FIRST BUSINESS Credit Card

You can use Dialabank with ease to apply for the YES FIRST BUSINESS Credit Card
To get your credit card easily, take the following steps: 
  • Go first to the Dialabank website.
  • With YES FIRST BUSINESS Credit Cardselect credit card.
  • For that card, fill in an application form. Properly fill in all the necessary details.
  • Check your eligibility, and then you can finish the online application if you are eligible.

Other Top Credit Cards by YES Bank 

  • YES Prosperity Edge
  • YES PREMIA Credit Card
  • YES Prosperity Rewards Plus
  • YES Prosperity BUSINESS Card
  • YES Prosperity Rewards Credit Card
  • YES FIRST Exclusive Credit Card
  • YES FIRST Preferred


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