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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.

Features

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
₹999 + GST
Renewal Fee
Nil
₹999 + GST
Spend Based Waiver
Not applicable
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees
3.5%
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)
3.67% monthly (equivalent to 44% yearly)
3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards Rate
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99
₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access
1 complimentary visit per year to an international airport lounge worldwide.
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel Benefits
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Not applicable
Not Applicable
Dining Benefits
Not applicable
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
Not applicable
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver
1% surcharge waiver across all petrol pumps
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Not applicable
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges
2.5% or a minimum of ₹300
2.5% 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 tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

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.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

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.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

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.