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Yes First Business Credit Card

Apply Now Credit Card Payment Refer Now

At YES BANK, we understand that your business comes first. Presenting the YES FIRST BUSINESS Credit Card!

  1. Age Criteria: Minimum 21 years to Maximum 65 years
  2. Self Employed, Proprietors and Partners of Partnership firms
  3. Minimum Income Tax Return of INR. 10 Lakhs

To track the status of your Credit Card application, please call our 24*7 YES TOUCH Customer Care Number 1800-103-6000 quoting the 13 digit unique application reference number sent to your mobile number.

 

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For Bharat QR, click here

 

For Credit Card E Welcome Kit, click here

key attractions

ACCELERATED REWARDS PROGRAMME

50 % Bonus Reward Points on Online & Dining Spends

BEST FOREIGN CURRENCY MARKUP

Foreign currency markup of 1.75%

CURATED PRIVILEGES

Special Benefits on AWFIS, Cleartax & RedGiraffe.

Benefits

  • Welcome and Renewal Reward Points:

    • Earn 24,000 Reward Points on your first transaction done within 30 days of the Card set-up datea

    • Earn 20,000 Reward Points on spends of INR 3 Lakhs and more within 90 days of card set-up dateb

    • Earn Renewal benefit of 24,000 Reward Points on each renewalc

  • Annual Bonus Reward Points:

    • Earn 20,000 Reward Points on achieving annual spends of INR 12 Lakhs or more in each anniversary yearb,*

*An Anniversary year is defined as 12 months from the date of set- up or date of renewal

  • Reward Points Accrual:

    • 6 Reward Points on every INR 100 retail spendsd

    • 50% bonus reward points on Dining and Online spends**

    • 1000 Reward Points on each YES PayNow registratione .Please Click here to know more

** As per VISA/MasterCard definition of Online and Dining as a merchant category

  • Reward Points Redemption:

    • Dedicated website for Reward Points redemption on Flight/Hotel/Office Supplies category (1 Reward Point = INR 0.25)

    • Handpicked catalogue of products to choose from, for Reward Point redemption

    • Redemption of reward point against Air-miles (4 Reward Points = 1 JPMile)

Please visit https://www.yesrewardz.com/creditcard to know more or redeem Reward Points

  • Attractive Interest Rate on Revolving Credit and Preferential Foreign Currency Markup

    • Interest Rate of 1.99% per month (23.88 % annually) on Revolving Credit for Cardmembers having a YES BANK Current/Savings Account or Business Banking relationship

    • Interest Rate of 2.75% per month (33.00 % annually) on Revolving Credit for Cardmembers not having a YES BANK Current/Savings Account or Business Banking relationship

    • Preferential foreign currency markup of 1.75% only

  • Priority Pass Membership and Lounge Access:*

    • Complimentary Priority Pass membership for the Primary Cardmember

    • 6 complimentary International lounge access for the Primary Cardmember in a calendar year

    • Lounge access fee of US$ 27 will be applicable for :

      • All visits to lounges in India for Primary Cardmembers

      • Any accompanying/additional guests across international lounges and lounges in India

      • Usage from the 7th visit onwards for Primary Cardmembers

* Priority Pass membership is applicable only for the Primary Cardmember, and is non-transferable to any other person(s)

To apply for your Priority Pass membership, please download the Application Form from website (Form Center) and send it to the address mentioned on the form. For the list of lounges, Please visit www.prioritypass.com

  • MasterCard Lounge Program#

    • 3 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for Primary Cardmember

# The list of lounges may be changed by MasterCard at its discretion and without any prior notice to YES BANK or its Cardmembers. Please click here to know more

  • MasterCard World Golf Program

    • Waiver of green fee at select golf courses## in India

    • Enjoy one complimentary golf lesson every calendar month

    • For bookings, customer may contact MasterCard golf concierge on 1800 102 6263

## The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Click here to know more

  • YES ASSIST - Dedicated Concierge Services

  • Concierge Assistance

    • Car Rental & Limousine Referral and Reservation Assistance

    • Hotel Referral and Reservation Assistance

    • Travel Referral and Reservation Assistance

    • Special Events and Performance Assistance

    • Restaurant Referral and Reservation Assistance

    • Movie tickets assistance in Mumbai, New Delhi, Bengaluru and Chennai

    • Flower & Gift Delivery

  • Automobile Assistance

    • Emergency Towing Assistance

    • Roadside Repair Assistance

Simply call us at 1800 11 9371 (Toll Free number accessible by MTNL/BSNL/Reliance/Tata Network users) OR 022 42320239

  • Insurance Coverage

    • INR 1 Crore air accidental cover in case of death due to a flight accidentf

    • INR 25 Lakhs cover on medical emergencies, while travelling overseasf

    • INR 5 Lakhs credit shield cover on accidental death of Primary Cardmember

Please click here to know more

  • Fuel Surcharge Waiver**

    • Fuel surcharge is waived across fuel stations in India for transactions between INR 400/- to INR 5,000/-

** Total waiver in a statement cycle is capped at INR 1,000. Only the surcharge component will be waived off, GST as levied on surcharge will not be waived off

  • Contactless Card Technology

    • The YES FIRST BUSINESS Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards

  • MasterCard® SecureCode

    • Secure your online transactions with MasterCard® SecureCode™

    • Click here to create your 3D Secure Password

  • Password for IVR transactions

    • To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS ‘YESIVR<space> last 4 digits of your YES BANK Credit Card number’ to 9212738927 from your registered mobile number.

    • For more details please click here

  • Enjoy below services on your Credit Card

  1. Applicable for retail transaction only. This feature is applicable on cards with annual membership fee

  2. Applicable for retail transaction only

  3. This feature is applicable on renewal membership fee realization

  4. Applicable for retail transactions only. Not valid for fuel transactions

  5. Applicable only on Standing Instruction based registration for bill payment, not applicable for register and pay or ad-hoc payment

  6. Applicable only when the flight is booked on your YES FIRST BUSINESS Credit Card

charges

Annual membership fees

First Year Membership Fee of Rs 5,000 + Applicable Taxes

Renewal Membership Fee of Rs 5,000 + Applicable Taxes

Privileges

CURATED BENEFITS FOR BUSINESSES ON THE MOVE!

 

AWFIS:

Workspaces for businesses on the move

  • Upto 3 complimentary meeting room hours across India per calendar quarter at Awfis Centers listed on www.awfis.com
  • Discount of 15% across all work desks (Cabin, Fixed, Flexi desks) at Awfis Centers listed on www.awfis.com
  • Discount of 20% across all meeting rooms at Awfis Centers listed on www.awfis.com

Quarterly Savings of INR.1,500/- (Offer valid till 31st October, 2018)

 

RedGirraffe:

RentPay assistance for your business

  • Automate your Office and Residential rent payments through YES PayNow bill payment facility
  • Upto 50 days Interest free Credit period
  • Earn Reward Points on your rent payments

Quarterly Savings of INR.4,781/-(Offer valid till 31st October, 2018)

Cleartax:

Seamless Tax filing for your Business

  • 10% off on Managed Services for GST making GST filing hassle free
  • 10% off on Business Tax filing services
  • Click here for detailed T&C’s

Offer valid till 30th June, 2018

Disclaimer - The above mentioned savings amounts are for illustration purpose only and YES BANK shall, in no way held responsible to provide the benefits stated therein and/or in relation thereto. Actual benefit(s) will differ for every Cardholder/Card member depending on actual spend & payment pattern. YES BANK Limited (“YES BANK”) is not responsible for the correctness & accuracy of data/information.

Click here for detailed T&C’s of the above offers.

 

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

 

  • Key Attractions:
    • Zero documentation
    • No Processing fees
    • Repayment options from 3 months to 24 months
    • Convert Transaction starting from as low as INR 2,500
    • Interest Rates ranging from 12% p.a to 15% p.a
  • List of Partners:
    • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy installments at the following merchant partner.
    • Please click here view list of stores and click here to view list of online partners
    • For detailed Terms and Conditions please click here

Credit Card Payment

Easy ways to make YES BANK Credit Card Bill Payment

You can pay the YES BANK Credit Card Bill through the following convenient channels

a) For YES BANK Account Holders:

  • Net Banking: Register yourself for YES BANK Net Banking and make Credit Card payments online.

  • Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Current/Savings Account to your Credit Card Account.

  • ATM Funds Transfer: You can transfer funds from your Current/Savings Account to your Credit Card Account at any YES BANK ATM.

b) For All Customers:

  • For NEFT/IMPS/RTGS mode of payment - “You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC”

  • Billdesk: Click on the given link to make the payment using Billdesk facility. Please click https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html

  • Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit YES BANK Credit Card Number, and drop the cheque at nearest YES BANK drop box. Please mention your name and mobile number on the back of the cheque.

  • Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.

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Important Documents
Find a Branch

Have any other query?

Q. What are the easy ways to make YES BANK Credit Card Bill Payment?

A. You can pay the YES BANK Credit Card Bill through the following convenient channels
a) For YES BANK Account Holders:

  • NetBanking: Register yourself for the YES BANK NetBanking and make Credit Card payments online.
  • Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account..

b) For All Customers:

  • NEFT: You can make your payment through NEFT fund transfer mode from other bank accounts. Use IFSC code:YESB0CMSNOC
  • Billdesk: Click on the given link to make the payment using Billdesk facility https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
  • Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please mention your name and mobile number on the back of the cheque.
  • Cash Payment: You can also make payment through Cash at YES BANK Branches.Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.

+

Q. How do I contact YES BANK Credit Cards Customer Care?

A. You may contact us on our 24*7 YES TOUCH Customer Care on the below numbers
a) YES FIRST Credit Cards

  •  1800 103 6000 (Toll Free for Mobile & Landlines in India)
  •  +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yesfirstcc@yesbank.in

b) YES Prosperity Credit Cards

  • 1800 103 1212 (Toll Free for Mobile & Landlines in India)
  • +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yestouchcc@yesbank.in

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Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

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Documents Required

  • Fair Practice Code for Credit Card Operations
  • YBL Business Card MITC YFIRST Bengali
  • YBL Business Card MITC YFIRST Gujarati
  • YBL Business Card MITC YFIRST Hindi
  • YBL Business Card MITC YFIRST Kannada
  • YBL Business Card MITC YFIRST Marathi
  • YBL Business Card MITC YFIRST Punjabi
  • YBL Business Card MITC YFIRST Tamil
  • YBL Business Card MITC YFIRST Telugu
  • YBL Business Card MITC YFIRST English
  • Authorized Collection & Recovery Agencies
  • YES FIRST BUSINESS - Card Member Agreement
  • YES FIRST BUSINESS - Banking Code of Conduct