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myBiz ICICI 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.
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Last updated: 18 July 2026

Both myBiz ICICI Bank Business+ Credit Card and YES FIRST Business Credit Card suit travel-focused spenders, but they earn and cost differently. myBiz ICICI Bank Business+ Credit Card costs ₹2,500 + GST and earns 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels. 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. myBiz ICICI Bank Business+ Credit Card also brings 2 complimentary domestic airport lounge visits per quarter at participating lounges in India, while YES FIRST Business Credit Card counters with 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend. If travel spending matters more, go with myBiz ICICI Bank Business+ Credit Card; if business is the priority, YES FIRST Business Credit Card fits better.

myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹999 + GST
Renewal FeeFree (1st year)
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 Fees3.5%
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)3.67% Monthly (44% Yearly)
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other spends.
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
Reward Redemption Fee₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access1 complimentary visit per year to an international airport lounge.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits
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 Waiver1% surcharge waiver across all petrol pumps
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges2.5% or a minimum of ₹300
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

myBiz ICICI Bank Business+ Credit Card

YES FIRST Business Credit Card

Who is it for?

The myBiz ICICI Bank Business+ Credit Card is an affordable business credit card specifically designed to cater to business and travel requirements. It offers a competitive reward rate on travel, complimentary airport lounge access, and discounts on travel bookings. Ideal for businesses that frequently book travel, it comes with no renewal fees after the first year, making it a cost-effective choice for corporate travel 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.

Enjoy a one-time joining fee with no renewal charges from the second year onwards.

Earn high rewards and accelerated myBiz Cash on all travel bookings via myBiz MMT.

Benefit from complimentary access to both domestic and international airport lounges.

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.

Benefits are largely concentrated on myBiz MMT travel bookings, limiting broader utility.

A foreign currency markup of 3.5% applies to international transactions, increasing costs.

A redemption fee of ₹99 is charged for converting myBiz Cash, reducing overall value.

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 myBiz ICICI Bank Business+ Credit Card(opens in new tab)Apply for YES FIRST Business Credit Card(opens in new tab)