YES First Business Credit Card
YES BANK
₹999
Joining fee
₹999, waived at ₹3L spend
Annual fee
Rs 999 joining fee waived on spending Rs 20,000 in the first month; Rs 999 annual fee waived on achieving Rs 3 lakh annual spending.
1.75%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 21–70
Self-employed professionals specifically; minimum ITR of Rs 10 lakh.
Lounge access
8 domestic / 0 international visits per year
Reward details
16 points per Rs 200 on most categories; 4 points per Rs 200 on select categories
- Rs 12 lakh annual spend: 20,000 bonus points
Redemption
Not detailed beyond point-earning structure
Caps: 3,000 points monthly maximum
- Optional subscription plans (Rs 3,500-5,000) offer 2X-5X multipliers on travel, dining, fashion, healthcare categories
- 1% fuel surcharge waiver on Rs 400-5,000 spend range
- 12 complimentary golf lessons annually; 4 free golf green fee rounds yearly
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low forex markup; achievable fee waivers; substantial golf benefits; international lounge access included — Paisabazaar
Complaints
- Optional subscription plans required to maximize rewards value; accelerated points limited to select categories only — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge, sentiment