Close
  • Close
Explore Products

Yes First Business Credit Card

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.

 

For Samsung Pay, click here

 

For Bharat QR, click here

 

For Credit Card E Welcome Kit, click here

key attractions

International Lounge Access

6 complimentary International lounge (outside India) visits per calendar year

BEST FOREIGN CURRENCY MARKUP

Attractive Foreign currency markup fee of 1.75%

FUEL SURCHARGE WAIVER

Fuel surcharge waiver at all fuel stations across India

Benefits

  • Welcome and Renewal Reward Points:

    • Get 20,000 Reward Points on your first transaction done within 30 days of card issuancea

    • 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 point program

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

    • 4 Reward Points for every INR 200 on Select categoriesd

    • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)f. 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

  • International Lounge Program*

    • Cards issued on Mastercard: Complimentary Priority Pass Membership (available upon request) with 6 complimentary visits per calendar year at airports outside India. A charge of US $27+GST will be applicable for usage beyond 6 visits, all guest visits and usage at Airports within Indiai.

    • Cards issued on VISA: Avail 6 Complimentary Airport Lounge Visits per calendar year through the LoungeKey Program. Present your Visa branded YES BANK Credit Card to access Lounges outside India displaying the LoungeKey logo. A charge of US $27+GST will be applicable for usage beyond 6 visits and all guest visitsi.

*Priority Pass membership is applicable only for the Primary Cardmember (for cards issued on Mastercard), and is non-transferable to any other person(s). To apply for your Priority Pass membership, please download the Application Form and follow the steps mentioned in the form.

For complete list of lounges, please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)

Terms and conditions apply. The list of lounges is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without prior notice to YES BANK or its Cardmembers. Please visit please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA)

 
  • Domestic Lounge Program

    • Primary Cardmembers enjoy Domestic Lounge access, limited to 2 visits per quarter, across 30+ lounges in India. Please click here to know more.

Terms and Conditions apply. The list of lounges is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers

  • Complimentary Golf Program

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

    • Enjoy one complimentary golf lesson every calendar month

##Terms and conditions apply. The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) 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 8 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

  • Secure Password for Online Transactions

    • Secure your online transactions with MasterCard SecureCode or Verified by VISA

    • 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 and VISA 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 & Charges, Priority Pass & LoungeKey Charges, EMI on Call & Instant EMI transactions

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

  9. These charges will reflect in your credit card statement within 90 days from the date of usage of Priority Pass or LoungeKey for lounge usage

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

what would you like to do next?

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:

  • 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.

+

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

VIEW ALL FAQs

Other Cards

Yes Prosperity Business Credit Card

download app
Android App for YES BANK
App Store for YES BANK
yes pay wallet

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

Read More

Download Forms

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