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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.

Features

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
₹500 + GST
Renewal Fee
₹999 + GST
₹500 + GST
Spend Based Waiver
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Foreign Transaction Fees
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
3.5% on all international transactions.
Interest Rate (APR)
3.99% per month (47.88% per annum) on outstanding due amount.
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
The joining fee of ₹500 + GST can be waived off if you spend ₹50,000 or more within the first 60 days of card issuance.
Rewards Rate
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
₹100 + GST charge for redeeming reward points.
Nil.

Travel & Lifestyle

Domestic Lounge Access
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Not applicable.
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.

Security & Other

Insurance Benefits
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹300.
2.5% 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 tailored for professionals and entrepreneurs, offering valuable cashbacks on business expenses like airline, hotel, and restaurant spends. It provides significant savings through waivable fees, complimentary domestic lounge access, and extensive insurance coverage. With 24x7 concierge services and modern payment technology, it simplifies business spending and optimizes savings efficiently.

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.

Excellent for entrepreneurs, optimizing business expenditures with significant savings.

Offers cashbacks on frequent business expenses, including airline, hotel, and dining.

Provides comprehensive insurance coverage, enhancing security and peace of mind.

Both joining and annual fees are reasonable and can be waived by meeting spend targets.

Includes valuable perks like domestic airport lounge access and 24x7 concierge services.

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 earnings are tiered and subject to statement balance thresholds, limiting initial rewards.

Cashback is restricted to specific categories like airline, hotel, and restaurant spends.

A maximum monthly cashback cap of ₹2,000 may limit significant high-spenders.

Does not offer any complimentary international airport lounge access benefits.

No cashback on common spends like fuel, insurance, or cash withdrawals.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.