YES First Business Credit Card

Joining fee

₹999

Annual fee

₹999

Fee waiver

Waived above ₹3,00,000 annual spend

Forex markup

2%

APR

47.88% p.a.

Monthly finance charge

3.99%

reward points

• travel-flights, travel-hotels, dining: 16 points / ₹200Air/hotel/dining/travel/rented-vehicle spend; capped at 3,000 points/statement.
• everything-else: 8 points / ₹200
• utilities, education, insurance: 4 points / ₹200Select category spends.

No INR-per-point redemption value is stated anywhere for this card.

International lounge

6/year

Forex markup

2%

6 complimentary international lounge visits/year, outside India; no domestic visit count is stated in the headline benefits.

Minimum age

21 years

Restricted to

Self-employed individuals, proprietors, and partners of partnership firms, with a minimum Income Tax Return of ₹10 lakh

• •The annual fee is waived once you spend 3,00,000 in a year.
• •It includes airport lounge access, useful if you travel by air a few times a year.
• •It is restricted to Self-employed individuals, proprietors, and partners of partnership firms, with a minimum Income Tax Return of ₹10 lakh.

Verified from official issuer sources. Last verified 3 September 2026