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.
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
Rs.2,500 (Waived if applied through BankBazaar)
Rs.2,500 plus applicable taxes
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
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
Eligibility to apply for YES Prosperity Business Credit Card
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
Any one of the documents
Voter ID card
Any one of the documents
Voter’s ID card
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
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
How do I book my complimentary golf lesson every month?
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.
Is there a cap on the maximum fuel surcharge waiver I can avail on my card?
Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.
Can the secondary cardholder use the complimentary lounge access facility?
Only the primary cardholder can enjoy the complimentary lounge access. A lounge access fee of US$27 will be charged for additional guests.
Where can I find the list of AWFIS Centres in my city?
Please visit the official AWFIS website at www.awfis.com to find a list of centres available in your city.
Can I covert a transaction I made on my YES Prosperity Business Credit Card into EMIs?
Yes, you can convert a transaction into EMIs without processing fees. Please get in touch with YES Bank for more details.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.