shoppingTraveldiningVisaPremiumActive
YES FIRST Business Credit Card
YES Bank
Joining Fee₹999Renewal Fee₹999Waived at ₹3,00,000 annual spend
Last verified: 26 Sept 2026
Reward Program
YES Rewardz Points1 point = ₹0.25
| Category | Earn Rate | Monthly Cap |
|---|---|---|
shopping | 2% | No cap |
| All other spends | 1% | No cap |
Redemption fee: 100
🔁
Managed via YES Rewardz
Transfer partners
Flight and hotel bookings at 1 Reward Point = ₹0.25 — the published maximum on every variant, but capped at 70% of the invoice value and carrying a ₹99 + GST convenience fee.E-gift vouchers at ₹0.15 on YES Private and Marquee, ₹0.10 on every other card.Statement credit at ₹0.10 on every variant — a 60% haircut against the headline rate.Air Maharaja at 1 air mile per 8 Reward Points on YES Private, per 10 on every other card.Minimum 2,000 Reward Points per redemption; points valid 36 months.
Live Offers
No active offers for this card right now.
Benefits
⛽
Fuel Surcharge Waiver
1% fuel surcharge waiver. Note that fuel has earned NO reward points since 15 June 2026, and the acquirer's surcharge itself may run from 1% to 2.5% plus GST.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹999/yr |
| Renewal Fee | ₹999/yr |
| Fee Waiver | Spend ₹3,00,000/year |
| Forex Markup | 2% |
| Interest Rate | 47.88% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn. Not applicable to Virtual Credit Cards. |
| Reward Redemption Fee | 100 |
