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Yes First Business Credit Card

Apply Now Credit Card Payment GO TO YES CART

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 70 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

Complimentary Lounge Access

Complimentary Priority Pass membership & access to lounges outside India

BEST FOREIGN CURRENCY MARKUP

Foreign currency markup of 1.75%

FUEL SURCHARGE WAIVER

Fuel surcharge waiver at all fuel stations across India

Benefits

  • Welcome and Renewal Reward Points:

    • Earn 20,000 Reward Points on your first transaction done within 30 days of the Card set-up datea

    • Earn Renewal benefit of 15,000 Reward Points on each renewalb

  • Annual Bonus Reward Points:

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

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

  • Reward Points Program w.e.f 15th June 2021

    • 8 Reward Points for every INR 200 on all categoriesc other than ‘Select categories’

    • 4 Reward Points for every INR 200 on Select categoriesb

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

  • Reward Points Redemption:

    • Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption

    • Exclusive Catalogue of Products to choose from

    • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)

    • Please visit YesRewardz to know more or redeem Reward Points

 

  • Interest Rate on Revolving Credit

    • Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount

  • Preferential Foreign Currency Markup

    • 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+GST 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#

    • Primary Cardmembers enjoy Domestic Lounge access, limited to 3 visits per quarter (with effect from 15th June 2021, will be 2 visit per quarter), across 30+ lounges in India. Pleaseclick here to know more.

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

  • 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

  • Insurance Coverage

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

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

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

For more details click here

  • Fuel Surcharge Waiver**

    • 1% 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. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks.

  • 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

Glossary:

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

  2. This feature is applicable on renewal membership fee realization

  3. Applicable for retail transaction only

  4. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard as per the table below, referred to as Select categories. Not valid on EMI on Call & Instant EMI transactions

    MCC

    Description

    4111

    Transportation—Suburban and Local Commuter Passenger, including Ferries

    4121

    Limousines and Taxicabs

    4131

    Bus Lines

    4900

    Utilities—Electric, Gas, Heating Oil, Sanitary, Water

    5411

    Grocery Stores, Supermarkets

    5960

    Direct Marketing—Insurance Services

    6300

    Insurance Sales, Underwriting, and Premiums

    8211

    Schools, Elementary and Secondary

    8220

    Colleges, Universities, Professional Schools, and Junior Colleges

    8241

    Schools, Correspondence

    8244

    Schools, Business and Secretarial

    8249

    Schools, Trade and Vocational

    8299

    Schools and Educational Services—not elsewhere classified

    9211

    Court Costs Including Alimony and Child Support

    9222

    Fines

    9311

    Tax Payments

    9399

    Government Services—not elsewhere classified

    9402

    Postal Services—Government Only

    9405

    Intra-Government Purchases—Government Only

    4784

    Bridge and Road Fees, Tolls

    5499

    Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

     

  5. Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance, Fee and Charges, Priority Pass charges and EMI on Call & Instant EMI transactions

  6. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payments. Additionally, please note (i) De-registration of a biller within 6 months of YES PayNow registration will result in reversal of bonus reward points earned for that particular biller registration (ii) De-registration of a biller post 6 months of YES PayNow registration, followed by re-registration of the same biller, will not earn any bonus reward points

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

  8. In case of lost /stolen card or any suspicious transaction on your YES BANK credit card, you can block your card immediately by sending an SMS. SMS BLKCC <Space><Last 4 digits of card number> to 9840909000 from your registered mobile number

Click here for value chart

charges

Annual membership fees

First Year Membership Fee of Rs 4,999 + Applicable Taxes

Renewal Membership Fee of Rs 4,999 + Applicable Taxes

Credit Card Payment

Easy ways to make YES BANK Credit Card Bill Payment

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

1) For YES BANK Account Holders:

  • Net Banking: Register yourself for the YES BANK Net Banking facility and make Credit Card payments online. Click here to visit Net Banking

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

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

2) 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

  • Cheque Payment: You can make your YES BANK Credit Card payment by cheque, quoting your 16-digit YES BANK Credit Card Number, and drop the cheque at any of our drop boxes in your city. Please do mention your name and mobile number on the back of the cheque

  • Net Banking: Make payment through any bank Net Banking account using BillDesk facility. Click here

  • 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

  • YES Mobile App: You can pay through your YES BANK Savings Account or any other bank account

  • YES Pay App: You can also pay your Credit Card bill with your YES BANK account or any other bank account using UPI*

  • YES ROBOT: You can pay your Credit Card bill with your YES BANK account or any other bank account using BillDesk facility

*Currently available only on android devices

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Important Documents
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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:

  • 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 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.

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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
  • YES FIRST MITC Credit Cards - Bengali
  • YES FIRST MITC Credit Cards - Gujrathi
  • YES FIRST MITC Credit Cards - Hindi
  • YES FIRST MITC Credit Cards - Kannada
  • YES FIRST MITC Credit Cards - Marathi
  • YES FIRST MITC Credit Cards - Punjabi
  • YES FIRST MITC Credit Cards - Tamil
  • YES FIRST MITC Credit Cards - Telugu
  • YES FIRST MITC Credit Cards - English
  • Authorized Collection & Recovery Agencies
  • YES FIRST BUSINESS - Card Member Agreement
  • YES FIRST BUSINESS - Banking Code of Conduct