# YES First Business

YES Bank · Mastercard. ₹999 fee · 2% forex · 4 RP/₹200 base (the card has 16, 8 and 4 RP/₹200 tiers; no category list is published for the 8 RP/₹200 tier).

verified · checked 26 August 2026 · Source: https://www.yes.bank.in/business-banking/cards

## How it earns (2)

- 4 RP/₹200 base (the card has 16, 8 and 4 RP/₹200 tiers; no category list is published for the 8 RP/₹200 tier) · verified · checked 26 August 2026
- 16 RP/₹200 air/hotel/dining/travel/rented-vehicles · verified · checked 26 August 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 4 RP/₹200 base (the card has 16, 8 and 4 RP/₹200 tiers; no category list is published for the 8 RP/₹200 tier)

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP on wallet loads

## Milestones (1)

- 20,000 RP (₹5,000 @ ₹0.25) @ ₹12L anniversary-year spend (not confirmed by the issuer) · ₹5,000 at ₹12,00,000 spend per card year · community-verified · checked 11 July 2026

## Lounges (2)

- 2 domestic visits a quarter for the primary cardholder, after ₹75,000 spent the previous calendar quarter. · Domestic · domestic · 2 per quarter · checked 21 October 2026
- 6 international visits a year through Priority Pass on Mastercard or LoungeKey on Visa. Extra visits cost $35. No spend condition. · Priority Pass (Mastercard) / LoungeKey (Visa), international · international · 6 per year · checked 21 October 2026

## Statuses it opens (1)

- GHA Discovery GHA Discovery Platinum · enrolment needed · ✓ official · checked 19 July 2026

## Fees

- Annual fee: ₹999 + GST
  Waived at ₹3,00,000 spend per year
- Forex markup: 2%
- DCC markup: 1%
- Earns: YES Reward Points · ₹0.25 a point at baseline

## Dated changes (1)

- Improvement · 12 December 2023: Mastercard World-tier cards fast-track to GHA DISCOVERY status (to 31 Dec 2026) (https://getbrief.cards/changes#gha-mc-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/yes-first-business