YES FIRST Business Credit Card vs KVB Corporate Credit Card vs American Express Platinum Travel Credit Card vs LIC Platinum EMV Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
KVB Corporate Credit Card
American Express Platinum Travel Credit Card
LIC Platinum EMV Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Enjoy no joining or renewal fees, making it a highly cost-effective card for businesses.
Designed for efficient business expense management, offering universal acceptance and control.
Benefit from an interest-free grace period of up to 45 days on your business expenditures.
Receive 2 complimentary domestic lounge accesses, enhancing your business travel experience.
Access attractive cashback offers and discounts on various business services and shopping.
Pros
Key benefits and features.
Receive up to 40,000 bonus Membership Rewards points and a ₹10,000 Taj voucher annually.
Enjoy 8 complimentary domestic airport lounge accesses annually, a substantial benefit for travelers.
Get up to 20% discount on dining at various partner restaurants across India.
Most card transactions count towards achieving valuable milestone benefits with minimal exclusions.
Pros
Key benefits and features.
Lifetime-free card, offering substantial savings with no joining or renewal fees.
Benefit from a temporary credit limit enhancement of up to 30% as per need.
Utilize the convenient VISA Bill Pay facility for over 120 utility billers.
Comprehensive insurance includes personal accident, purchase protection, and credit shield.
Avail EMI conversion for purchases above ₹2,500 and a 2.5% fuel surcharge waiver.
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 KVB Corporate Card lacks accelerated reward rates or attractive milestone benefits.
Reward point redemption options might be limited and require manual effort via customer care.
No specific benefits are offered for international lounge access, dining, movies, or golf.
The card does not explicitly provide comprehensive insurance benefits for cardholders.
Cons
Key drawbacks and limitations.
Achieving optimal reward value is highly dependent on meeting the substantial Rs. 4 lakh annual spend.
The card lacks complimentary international lounge access; Priority Pass visits incur a usage fee.
This card unfortunately does not provide any comprehensive insurance benefits or travel coverage.
The base reward rate of 1 Membership Rewards Point for every Rs. 50 spent is quite modest.
Cons
Key drawbacks and limitations.
Lacks additional perks or accelerated reward points for specific spending categories like shopping or travel.
Reward redemption options are limited, primarily allowing adjustments against outstanding bills.
The card does not provide significant accelerated rewards or milestone benefits.