YES Bank Prosperity Business Credit Card

Save more on business expenses with this card for self-employed individuals. Get domestic lounge access, up to 8 reward points on every ₹200 spent, and more.

Check your Credit Card eligibility!

Select Your Profession

Salaried Employee

Business Owner

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Key Highlights of the YES Bank Prosperity Business Credit Card

Here’s why this business credit card is a good pick:

Joining Fee	Only ₹499 + GST
Annual Fee	₹499; Reversed on spending over ₹1 Lakh in the preceding year
Suitable for	Business owners
Key Feature	Get a free Amazon voucher worth ₹500 on spending ₹1,000 or more*
Milestone Benefit	Get 10,000 reward points on spending ₹6 Lakhs or more in an anniversary year

Features and Benefits

This business credit card gives you a range of premium perks as well as the means to increase your savings. Here is how it makes it easy for you to earn rewards and travel stress-free.

*Amazon Voucher

Spend up to ₹1,000 or more within 30 days of card issuance to get a free voucher of ₹500 from Amazon

Complimentary Lounge Access

Visit 1 domestic airport lounge for free every quarter across more than 30 lounges in India

Accelerated Points

You can get 8 reward points on spending ₹200 each on hotels, dining, travel, and air tickets, capped at 1500 per statement

Milestone Benefits

Spend ₹6 Lakhs or more in an anniversary year to get 10,000 reward points

Swipe and Earn

Get 4 or 2 reward points on certain categories, such as clothing, electronics, utilities, groceries, and more

Air Miles

Convert 10 points into 1 InterMile or 1 Club Vistara Point and book your travel and stay with ease

Golf Perks

Enjoy rounds of golf with a waiver on green fees and 1 complimentary golf lesson every calendar month

Waiver on Fuel Surcharge

Get a waiver of 1% across fuel stations in India to save more on refills up to ₹250 in a statement cycle

Savings on Dining

Use this YES Bank Credit Card to get a discount of at least 15% at restaurants that are part of the Dining Fiesta program

Boost Points With Subscription

Opt for the YES Bank Rewards Subscription Plan to get up to 5X points by paying a fee of ₹2,000

Insurance Covers

Get a lost card liability cover and credit shield cover on the accidental death of the primary cardholder of ₹3 Lakhs each

Fee Waivers

Spend ₹10,000 within 30 days of activating the card and ₹1 Lakh in 12 months to get waivers on the joining and annual fees

Safe Online Transactions

Stay protected with the Mastercard SecureCode or the Verified by VISA feature when shopping online

NFC Technology

Benefit from the safety and convenience of contactless transactions enabled on this YES Bank Credit Card

Instant EMI Facility

Split your bills of ₹1,500 and more into EMIs without any documentation across 80,000 partners, both during and after purchase

Pay Bills Conveniently

Set standing instructions using the Auto Bill Pay facility to never miss due dates and earn points on every payment

Immediate Loan Facility

Meet urgent business needs with a loan against your card’s credit limit with a one-time processing fee of up to 2%

Recurring Payments Made Easy

Use e-mandates to pay for subscriptions, insurance premiums, and more for added convenience

Yes Bank App

Manage your YES Bank Credit Card and clear bills with ease using the ‘iris’ app

YES Bank Prosperity Business Credit Card’s Rewards Program

Get an exciting range of options to redeem your points through the YES Rewardz loyalty program. You can shop for electronics, home appliances, and more through the catalogue or donate to charity using points.

Book buses, flight tickets, and more by converting points into air miles. Keep the following in mind:

A. Reward Points

The YES Prosperity Business Credit Card offers up to 8 rewards for every ₹200 you spend on certain categories.

Here is an example demonstrating this:

Purchase (Monthly)	Amount	Reward Points	Savings
Air Tickets	₹4,000	160	-
Dining	₹10,000	400	-

Disclaimer: The above example is for illustration purposes only.

You can also earn 4 reward points for every ₹200 you spend on certain categories.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Savings
Clothing and Accessories	₹8,000	160	-
Electronics	₹8,000	160	-

Disclaimer: The above example is for illustration purposes only.

On certain transactions, you can earn 2 reward points for every ₹200 you spend.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Savings
Groceries	₹8,000	80	-
Utilities	₹9,000	90	-

Disclaimer: The above example is for illustration purposes only.

B. Redemption Process

Log in to the YES Rewardz website to redeem points by entering your phone number and the code you receive. You can then select the YES Prosperity Business Credit Card and see the redemptions options.

These include using points to pay your credit card, shop for merchandise, book travel and stays, or convert to air miles.

C. Expiration

All the reward points you earn on this credit card will expire 36 months after accrual.

D: Example of Savings

The reward points you earn have varying cash values based on what you plan to redeem them for. The value of 1 reward point is ₹0.25.

Here is a look at what your annual expenses and savings will look like:

Category	Details	Conversion
Air Tickets	₹4,000 pm X 12 = ₹48,000	1920
Dining	₹10,000 pm X 12 = ₹1,20,000	4800
Clothing and Accessories	₹8,000 x 12 = ₹96,000	1920
Electronics	₹8,000 x 12 = ₹96,000	1920
Groceries	₹8,000 x 12 = ₹96,000	960
Utilities	₹9,000 x 12 = ₹1,08,000	1080
Total		12,600

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

Fees & Charges Associated with the YES Bank Prosperity Business Credit Card

Here is a list of charges you can expect to incur while using this YES Bank Credit Card:

Fee Type	General Range
Joining Fee	₹499 Joining fee reversal on spending ₹10,000 in the first 30 days from when the card is issued
Annual Fee	₹499 Waived off on annual spends of ₹1 Lakh or more in the preceding year
Interest Charges	3.80% p.m.
Minimum Amount Due	5% of the balance outstanding plus finance charges from previous month unpaid amount or ₹200 (whichever is higher), added with Auto Debit Bounce Fee, Late Payment Fee, Overlimit charges, Joining/Annual Fees plus other charges as applicable including taxes and EMI (only in case of EMI based products)
Late Payment Fee	Up to ₹1,200 depending on the overdue balance
Foreign Transaction Fee	2.50%
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher

Note: A Goods & Services Tax (GST) of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

YES Bank Prosperity Business Credit Card Eligibility

Check the YES Bank Prosperity Business Credit Card eligibility terms and meet them to improve chances of approval. To apply, you need to be:

Between 21 and 70 years of age
A self-employed applicant, proprietor, or partner of a partnership firm
Files ITR of ₹7.5 Lakhs or more

Here are the documents you will need to submit online:

Identity Proof
1. PAN card
2. Aadhaar
3. Driving licence
4. Passport
Address Proof
1. Electricity bill
2. Ration card
3. Landline bill
4. Passport
Income Proof
1. Income Tax Returns (ITR)

Axis Credit Card Customer care

If you have any questions, reach out to YES Bank’s customer care team via email or phone:

Call 18001031212 (toll-free) or +91 22 49350000 from outside India
Email on yestouchcc@yesbank.in

YES Bank Prosperity Business Credit Card vs Others

Before getting the YES Bank Prosperity Business Credit Card, compare its features with other cards from the same issuer.

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	8X Reward Points
YES Bank Prosperity Business Credit Card	❌	✅	✅	❌
YES Bank ACE Credit Card	❌	❌	✅	✅

Disclaimer: The benefits mentioned may change as per the policies of YES Bank. Check them before you apply for a specific card.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort.

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

About Credit Cards Services

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How to contact customer care of YES Bank Prosperity Business Credit Card?

You can call the toll-free number 18001031212 or email yestouchcc@yesbank.in.

What are the dining discounts offered by the YES Bank Prosperity Business Credit Card?

Check the latest offers on the Dining Fiesta program online to know the discounts available at partner restaurants. You can get a minimum of 15% off on dining as per terms and conditions.

How to redeem the reward points on the YES Bank Prosperity Business Credit Card?

Redeem your reward points online on the YES Rewardz website.

Are there any insurance covers I can get with the YES Bank Prosperity Business Credit Card?

Yes, you get a lost card liability and a credit shield cover of ₹3 Lakhs each. This is one of the YES Bank Prosperity Business Credit Card benefits.

How to get the joining fee waived on the YES Bank Prosperity Business Credit Card?

Spend ₹10,000 in the first 30 days of getting the card to have the joining fee refunded.

Can I use the YES Bank Prosperity Business Credit Card for online shopping internationally?

Yes, you can use this YES Bank card abroad by enabling international transactions via net banking or on the ‘iris’ mobile app.

What are the advantages of YES Prosperity Business Credit Card?

This business rewards credit card allows you to earn points via travel and most other transactions. It helps you save on business expenses with regular use.