Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • YES Bank Prosperity Business Credit Card

    The YES Prosperity Business Credit Card facilitates easier management of financial transactions by businesses. There are accelerated reward points for spends on domestic airline tickets, tour operators, travel agencies, etc. There are also reward points for purchases across a range of other categories as well. The reward points accrued can be redeemed for movie tickets, hotel tickets, flight tickets, as well as exclusive products from the bank's catalogue. It can also be redeemed for air miles. You also get complimentary lounge access in international airports as well as waiver of green fee at select golf courses across the country. There is also insurance coverage for air accidents, medical emergencies during overseas travel, and credit shield coverage on accidental death of the card's primary holder. You also get fuel surcharge across fuel stations in India. Apart from this, the card also offers the benefits of EMI on Call, Instant EMI, and Quick Loan.

    YES Prosperity Business Credit Card Highlights

    • Earn 10,000 reward points on the first transaction made on your card within 30 days from the card issuance date as a welcome gift.
    • Annual bonus of 10,000 reward points on spends of Rs.6 lakh in an anniversary year.
    • Get 3 complimentary international lounge access in a calendar year.
    • Get Rs.50 lakh air accidental insurance cover with the card.
    • Earn 7,500 reward points every time you renew your card.

    YES Prosperity Business Credit Card Lifestyle Benefits

    • Earn 4 reward points on every Rs.200 spent on travel and dining via YES Cart.
    • Get 2 reward points for every Rs.200 that you spend on other select merchant categories.
    • The reward points that you earn never expire.
    • 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

    • 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.
    • 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.
    • Foreign Currency Markup: Preferential foreign currency markup of 2.50% only.
    • Interest Rate: Attractive interest rate of 3.50% per month on revolving credit.

    YES Prosperity Business Credit Card Fees and Charges

    Type of Fees Amount
    First Year Fee Rs.2,499 p.a.
    Welcome Reward Points 10,000 Reward Points on first transaction within 30 days of issuance of credit card or upgrade of the card
    Renewal Fee Rs.2,499 p.a.
    Renewal Reward Points 7,500 Reward Points on each renewal
    Foreign currency mark-up charge 2.50% on the transaction amount

    Eligibility Criteria 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.
    • Maximum 70 years of age.
    • Self-employed, a proprietor, partner, or a partnership firm.
    • Your minimum income tax return is Rs.5 lakh.

    Documents required for YES Bank 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

    FAQs on YES Prosperity Business Credit Card

    1. How do I book my complimentary golf lesson every month?

      To book a golf lesson, please contact YES Bank credit card customer care department at 1800 103 1212.

    2. 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.

    3. 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.

    4. Where can I find the list of AWFIS Centres in my city?

      Please visit the official AWFIS website at to find a list of centres available in your city.

    5. 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.

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