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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
YES Bank
business
•••• •••• •••• 0000
FIRST Business
VISAYes Bank • Visa•
Annual Fee
₹999
Base Reward Rate
0.80%
Foreign Tx Fee
2%
Tier
Joining Fee
₹999
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹75,000 per quarter
2 complimentary domestic lounge visits quarterly for Visa cardholders, unlocked after quarterly spend of Rs.75,000 or above
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹5,664
Blended 0.91% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
[business] Business credit card. Joining fee Rs.20,000 spend in first 30 days waives joining fee (one-time, not recurring). Insurance: Air Accident Rs.1 Cr, Medical Emergency (foreign travel) Rs.25 Lakh, Credit Shield Rs.8 Lakh. Complimentary golf lesson each month plus green fee waiver. Rewards redemption fee Rs.100+GST. Network may also be Mastercard (Priority Pass for MC, LoungeKey for Visa); a RuPay Select variant was reportedly launched at GFF 2025 per page comments.
✓ No activation spend required — access is unconditional.
6 complimentary international lounge visits per year via Priority Pass (LoungeKey for Visa); $35 charged beyond 6 visits and per guest visit