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YES FIRST Business Credit Card VS ICICI Bank Business Advantage Blue 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: 17 July 2026

Both YES FIRST Business Credit Card and ICICI Bank Business Advantage Blue Card 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. ICICI Bank Business Advantage Blue Card costs ₹500 + GST and earns up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments. YES FIRST Business Credit Card also brings 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend, while ICICI Bank Business Advantage Blue Card counters with 2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

YES FIRST Business Credit Card
YES FIRST Business Credit Card
ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹500 + GST
Renewal Fee₹999 + GST
Renewal Fee₹500 + 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 waived on ₹50,000 spend in 60 days. Renewal fee waived on ₹5,00,000 spend annually.
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.
Interest Rate (APR)3.75% per month (minimum due) or 3.40% per month (general, 40.80% annually).

Rewards & Benefits

Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Welcome BonusJoining fee waiver if you spend ₹50,000 or more within 60 days of card issuance.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Rewards RateUp to 1% cashback on domestic/international spends, capped at ₹500/month. Additional 0.20% on bill payment.
Reward TypeReward Points
Reward TypeCashback
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 Access8 complimentary visits per year (2/quarter) at select lounges, with ₹35,000 spend in previous quarter.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
International Lounge Access
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Travel Benefits24x7 concierge services for flight/hotel booking, car rentals, and emergency auto assistance.
Movie BenefitsNot Applicable
Movie Benefits
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Dining BenefitsMinimum 15% discount on dining bills under ICICI Bank Culinary Treats Program at 2500+ restaurants.
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% waiver at HPCL stations on transactions up to ₹5,000/month, max waiver ₹500/month.

Security & Other

Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Insurance BenefitsPersonal air accident cover up to ₹75 lakhs and zero credit card lost liability.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
Cash Advance Charges2.5% of transaction amount or ₹300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

ICICI Bank Business Advantage Blue Card

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 ICICI Bank Business Advantage Blue Credit Card is a powerful financial tool designed for professionals, entrepreneurs, and MSMEs. It simplifies spending and rewards businesses with cashback on eligible transactions. Positioned as a card for business savings and smart spending, it offers key benefits such as cashback on transactions, complimentary domestic airport lounge access, and comprehensive concierge services. This card is highly recommended for business individuals who frequently incur expenses on air travel and professional services, allowing for substantial savings on business expenditures, coupled with enhanced security features.

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.

Designed for business savings, offering cashback on recurring business expenses.

Provides additional cashback for timely bill payments via Corporate Net Banking.

Includes valuable benefits like domestic lounge access and dining discounts.

Comprehensive 24x7 concierge services enhance convenience for business travel.

Offers robust insurance benefits including personal air accident cover.

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.

Cashback is capped at ₹500 per month, which may limit benefits for high spenders.

No cashback is earned if the monthly spend is less than ₹25,000.

Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

The foreign currency markup of 3.5% is relatively high for international transactions.

Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.

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.
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