YES FIRST Business Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Get rewarded with 20,000 points each year for your spending. Earn 8 points for every Rs. 200 spent across all categories. Gain 4 points for every Rs. 200 spent on specific categories. Enjoy free entry into lounges worldwide. Access domestic lounges for free. Receive complimentary golf lessons. Receive an insurance cover of up to Rs. 1 Crore. Pay a foreign currency markup fee of 1.75%. Get a 1% waiver on fuel surcharge.

The YES FIRST Business Credit Card is a great option for individuals looking for a credit card that offers excellent benefits for travel and shopping.

With a joining fee of Rs. 999 (plus applicable taxes) and a renewal fee of Rs. 999 (plus applicable taxes), this card provides great value for money.

One of the standout features of this credit card is its reward program.

You can earn 8 Reward Points for every Rs. 200 you spend on all categories, making it easy to accumulate points quickly.

Additionally, for select categories, you can earn 4 Reward Points for every Rs. 200 spent.

For those who frequently travel, the YES FIRST Business Credit Card offers complimentary access to domestic and international lounges.

VISA Cardholders can enjoy 2 complimentary access to Domestic Lounges quarterly, while all cardholders get 6 complimentary access to international lounges.

If you're a golf enthusiast, you'll appreciate the benefit of 1 complimentary golf lesson per month and a green fee waiver at select golf courses, exclusively for VISA Cardholders.

As an added bonus, this credit card provides insurance cover up to Rs. 1 crore, giving you peace of mind.

The YES FIRST Business Credit Card also offers spend-based waivers.

By spending Rs. 60,000 in the first ninety days, you can have the joining fee waived.

Additionally, by spending Rs. 3,00,000 in a year, you can have the annual fee waived.

It's worth noting that there is a redemption fee of Rs. 100 for rewards and a foreign currency markup of 1.75% on international transactions.

For fuel purchases, you can enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5000, capped at Rs. 1,000 per month.

If you need cash in a pinch, the cash advance fee is 2.5% with a minimum charge of Rs. 300.

With an interest rate of 3.50% per month (42% p.a.), it's important to manage your credit card balance responsibly.

In conclusion, the YES FIRST Business Credit Card is a well-rounded offering that provides excellent travel and shopping benefits.

With its reward points, lounge access, golf privileges, and insurance coverage, it's a great choice for individuals looking for a credit card that caters to their lifestyle needs.