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 |
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.
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:
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.
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.
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.
All the reward points you earn on this credit card will expire 36 months after accrual.
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.
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.
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
PAN card
Aadhaar
Driving licence
Passport
Address Proof
Electricity bill
Ration card
Landline bill
Passport
Income Proof
Income Tax Returns (ITR)
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
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 |
❌ |
✅ |
✅ |
❌ |
❌ |
❌ |
✅ |
✅ |
Disclaimer: The benefits mentioned may change as per the policies of YES Bank. Check them before you apply for a specific card.
You can call the toll-free number 18001031212 or email yestouchcc@yesbank.in.
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.
Redeem your reward points online on the YES Rewardz website.
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.
Spend ₹10,000 in the first 30 days of getting the card to have the joining fee refunded.
Yes, you can use this YES Bank card abroad by enabling international transactions via net banking or on the ‘iris’ mobile app.
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.