YES FIRST Business Credit Card VS Yes Bank Marquee Credit Card VS YES Bank BYOC Credit Card VS YES Prosperity Cashback Plus Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
Yes Bank Marquee Credit Card
YES Bank BYOC Credit Card
YES Prosperity Cashback Plus 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.
Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.
Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.
Accelerated reward points on online and offline spends, including specific utility payments.
Pros
Key benefits and features.
Highly customizable, allowing choice of card type, image, and rewards program.
Flexibility to earn 1% cashback or 8 Reward Points per Rs. 200 spent.
Access accelerated cashback plans on popular merchants like Swiggy and Uber.
Enjoy complimentary domestic airport lounge access once every quarter.
Benefit from 4 complimentary golf games and monthly golf lessons annually.
Pros
Key benefits and features.
Enjoy a decent 0.75% cashback on all general retail spending, excluding fuel.
Benefit from a significant 5% cashback on groceries, movies, and utility bill payments.
Receive a welcome cashback of Rs. 250 on initial spends within the first 30 days.
Includes essential insurance benefits like credit shield and zero liability protection.
Offers a 1% fuel surcharge waiver for transactions between Rs. 400-5,000 monthly.
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 card has a high joining fee of Rs. 9,999 + GST, making initial cost significant.
Welcome benefits, while valuable, may seem limited compared to the high joining charge.
Cons
Key drawbacks and limitations.
Incurs a monthly membership fee of Rs. 49 + GST, adding to the cost.
Additional one-time fees apply for premium card variants like Metal or Eco-friendly.
A significant foreign currency markup of 3.5% on all international transactions.
Cash advance charges are 2.5% of the amount, with a minimum of Rs. 300.
No rewards or cashback are earned on fuel, EMI, or cash withdrawal transactions.
Cons
Key drawbacks and limitations.
Monthly caps on 5% cashback categories limit the total potential savings.
The card carries a joining and annual fee of Rs. 1,499 plus applicable GST.
A redemption fee of Rs. 100 is charged for every cashback redemption request.
High foreign currency markup of 3.5% makes international transactions expensive.
This credit card product has been discontinued, so new applications are not possible.