Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    With accelerated reward program and best-in-class foreign currency mark-up, YES Prosperity Business Credit Card is one of the most popular business credit cards in India. This credit card is exclusively designed to take care of all your business needs.

    YES Prosperity Business Credit Card key highlights

    • Earn 12,000 reward points on the first transaction made on your card within 30 days from the card issuance date as a welcome gift.
    • Earn 10,000 reward points if your spends exceed Rs.1 lakh within the first 90 days from the date the card was set-up.
    • Get 3 complimentary international lounge access in a calendar year.
    • Get Rs.50 lakh air accidental insurance cover with the card.
    • Register on YES PayNow and get 500 reward points.
    • Earn 12,000 reward points every time you renew your card.

    YES Prosperity Business Credit Card lifestyle benefits

    • Earn 4 reward points on every Rs.100 spent on retail shopping.
    • Enjoy 50% bonus reward points on all dining and online spends.
    • Earn 10,000 reward points if your annual spends exceed Rs.6 lakh or more in an anniversary year.
    • Redeem the accumulated reward points on flight bookings, hotel reservations, or to buy office supplies.
    • The cash value of each reward point is Re.0.25.
    • Enjoy fuel surcharge waiver on your fuel purchases between Rs.400 to Rs.5,000.

    YES Prosperity Business Credit Card features and benefits

    • AWFIS: Get up to 2 complimentary meeting room hours per calendar quarter at select AWFIS Centres across India. Also get 15% discount on cabin, fixed, and Flexi work desks and 20% on meeting room bookings at AWIFIS Centres.
    • RedGirraffe: RedGirraffe offers excellent RentPay assistance to businesses in India. This feature will help you automate your office and residential rent payments through the YES PayNow bill pay facility. You can also earn reward points on your rent payments and enjoy up to 50 days of interest-free credit period.
    • Rewards redemption option: Apart from redeeming your accumulated reward points to buy products from the catalogue, you can also convert it into JPMiles and use it to book your flight tickets. 4 reward points will be 1 JPMile.
    • MasterCard Lounge Program: Get 2 complimentary access to MasterCard affiliated lounges across India per calendar quarter.
    • MasterCard World Golf Program: Enjoy green fee waiver at select golf courses in India under this program. You also get one free golf lesson every calendar month.
    • Fuel Surcharge waiver: Save on your fuel bills using the fuel surcharge waiver applicable at all fuel outlets in India for transactions between Rs.400 to Rs.5,000.
    • Insurance benefit: Get Rs.15 lakh medical insurance cover while traveling overseas and Rs.2.5 lakh credit shield cover in case of accidental death of the primary cardholder.
    • Concierge services: Get 24x7 dedicated concierge assistance who will help you with hotel reservations, flight bookings, restaurant referral, movie tickets assistance, and flower and gift delivery.
    • Card Protection Plan: Safeguard your credit card with the Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.

    YES Prosperity Business Credit Card fees and charges

    Type of fee Amount
    Joining fees Rs.2,500 (Waived if applied through BankBazaar)
    Annual fee Rs.2,500 plus applicable taxes
    Finance charges For YES Bank salary and savings account holders- 2.99% per month and 35.88% per annum. For Non-YES Bank cardholders: 3.22% per month and 38.64% annually.
    Cash advance charges 2.5% of the advance amount
    Over limit charges 2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
    Add-on card fee Nil up to 3 cards
    Late payment fees Outstanding balance up to Rs.100- Nil From Rs.101 to Rs.500- Rs.100 From Rs.501to Rs.5,000- Rs.400 From Rs.5,001 to Rs.20,000- Rs.500 Above Rs.20,000- Rs.700
    Returned cheque Rs.350
    Foreign currency mark-up charge 2.50% on the transaction amount
    Duplicate statement request Rs.100 per statement
    Re-issue of lost or stolen card Rs.100

    Eligibility to apply for YES Prosperity Business Credit Card

    The eligibility criteria to get a YES Prosperity Business Credit Card are as follows:

    • At least 21 years of age.
    • Less than 65 years of age.
    • Self-employed, a proprietor, partner, or a partnership firm.
    • Your minimum income tax return is Rs.5 lakh.

    Documents required to apply for YES Prosperity Business Credit Card

    Address proof Any one of the documents
    • Passport
    • Telephone bill
    • Electricity bill
    • Passport
    • Voter ID card
    • Ration card
    • Aadhaar card
    Identity Proof Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter’s ID card
    • Driving license
    Income proof (For salaried)
    • Recent pay slips
    • Last 6 months bank statements
    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement
    • Balance sheet
    Other documents
    • Duly-filed application form
    • Passport size photographs

    Note: The above list is for reference only. YES Bank can ask you for additional documents after reviewing your application. However, keep these documents handy to submit the credit card application successfully.

    How to apply for YES Prosperity Business Credit Card?

    You can visit YES Bank’s official website and apply for a YES Prosperity Business Credit Card. If you choose to apply through BankBazaar, follow the process below:

    • Open the official BankBazaar website
    • Choose “Credit Card” under the “Cards” section on the menu
    • Filter your results by choosing “YES Bank”
    • You will see a list of credit cards offered by YES Bank
    • Against “YES Prosperity Business Credit Card” click on the “Check Eligibility” option
    • If you are eligible, you will be redirected to fill an online application
    • Enter all the details required
    • Upload the required documents
    • Click on “Submit”
    • Make a note of the “Application ID” and use to check the status of the application

    FAQs on YES Prosperity Business Credit Card

    1. How do I book my complimentary golf lesson every month?
    2. To book a golf lesson, please contact the MasterCard Golf Concierge Desk on 1800 102 6263. You can also reach YES Bank credit card customer care department at 1800 103 1212.

    3. Is there a cap on the maximum fuel surcharge waiver I can avail on my card?
    4. Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.

    5. Can the secondary cardholder use the complimentary lounge access facility?
    6. Only the primary cardholder can enjoy the complimentary lounge access. A lounge access fee of US$27 will be charged for additional guests.

    7. Where can I find the list of AWFIS Centres in my city?
    8. Please visit the official AWFIS website at to find a list of centres available in your city.

    9. Can I covert a transaction I made on my YES Prosperity Business Credit Card into EMIs?
    10. Yes, you can convert a transaction into EMIs without processing fees. Please get in touch with YES Bank for more details.


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