Skip to main content

IDFC FIRST Bank Business Credit Card VS YES FIRST Business Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 21 July 2026

Both IDFC FIRST Bank Business Credit Card and YES FIRST Business Credit Card suit business-focused spenders, but they earn and cost differently. IDFC FIRST Bank Business Credit Card costs ₹499 + GST and earns up to 10X Reward Points on foreign currency, 4X on business utility & digital advertising. YES FIRST Business Credit Card costs ₹999 + GST and earns 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month. IDFC FIRST Bank Business Credit Card also brings 2 complimentary domestic lounge visits per quarter, on minimum monthly spend of ₹20,000, while YES FIRST Business Credit Card counters with 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend. Weigh the fee against the reward rate above to see which fits your spending pattern better.

IDFC FIRST Bank Business Credit Card
IDFC FIRST Bank Business Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹999 + GST
Renewal Fee₹999 + GST
Renewal Fee₹999 + GST
Spend Based Waiver
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees1.99%
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)Low Interest Variant: 1.5-2% p.m. High Reward Variant: 3% p.m. 3.99% p.m. on less than Min Due.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome Bonus
Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards RateUp to 10X Reward Points on business spends (forex, utility, digital ad). Choose low interest or high rewards.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption instance.
Reward Redemption Fee₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel BenefitsUp to 25% bonus on hotel/travel bookings via app. Includes comprehensive travel insurance benefits.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits1X/2X Reward Points on rentals, restaurants & utility.
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge WaiverWaiver up to ₹500 per statement cycle.
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance BenefitsRoad Side Assistance, ₹10L Personal Accident Cover, Lost Card, Credit Shield, Purchase Protection, Travel Insurance.
Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges₹199 + GST for each instance. Up to 10% of total Credit Limit.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Bank Business Credit Card

YES FIRST Business Credit Card

Who is it for?

The IDFC FIRST Business Credit Card, issued by IDFC FIRST Bank, is a versatile business credit card designed for entrepreneurs and small to medium-sized corporations. It stands out by offering flexible plans, allowing users to choose between a low-interest rate structure or a high-rewards earning program, tailored to their business needs. Key benefits include accelerated reward points on business expenses, a competitive low forex markup, and complimentary airport lounge access, making it a comprehensive tool for efficient business expense management.

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Pros

Key benefits and features.

Offers flexibility to choose between a low-interest rate plan or a high-rewards earning plan.

Reward Points are valid for a lifetime and have no expiry.

Low forex markup of 1.99%, significantly lower than the industry average.

Provides complimentary domestic and international airport lounge access.

Comprehensive insurance benefits including Road Side Assistance, Personal Accident Cover, and Travel Insurance.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Cons

Key drawbacks and limitations.

While reward earning is strong, the redemption options could be improved.

Complimentary lounge access requires a minimum spend of ₹20,000 in the previous month.

A rewards redemption fee of ₹99 + GST is applicable per redemption instance.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC FIRST Bank Business Credit Card(opens in new tab)Apply for YES FIRST Business Credit Card(opens in new tab)