Skip to main content

YES FIRST Business Credit Card VS Aditya Birla AU Bank Credit Cards

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: 18 July 2026

Both YES FIRST Business Credit Card and Aditya Birla AU Bank Credit Cards suit business-focused spenders, but they earn and cost differently. 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. Aditya Birla AU Bank Credit Cards is lifetime-free and earns up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends. YES FIRST Business Credit Card also brings 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend, while Aditya Birla AU Bank Credit Cards counters with complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt. If business spending matters more, go with YES FIRST Business Credit Card; if travel is the priority, Aditya Birla AU Bank Credit Cards fits better.

YES FIRST Business Credit Card
YES FIRST Business Credit Card
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹900 + GST
Renewal Fee₹999 + GST
Renewal Fee₹900 + GST
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.

Rewards & Benefits

Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹100 + GST charge for redeeming reward points.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Movie BenefitsNot Applicable
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.

Security & Other

Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
Cash Advance Charges2.5% of the cash advance amount.
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

Aditya Birla AU Bank Credit Cards

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.

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

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.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

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.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

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 YES FIRST Business Credit Card(opens in new tab)