YES Bank has brought out YES Prosperity Business Credit Card for corporate employees. The card offers lots of benefits such as international lounge access, golf offers, exclusive rewards and more. Additional details of the card are given below;
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Key Highlights of YES Prosperity Business Credit Card |
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| Card Type | Entry-Level |
| Best Suited for | Travel and rewards |
| Joining Fee | Rs. 399 |
| Renewal Fee | Rs. 399 |
| Minimum Income Requirement (Self Employed) | ITR of Rs. 5 lakh |
| Best Feature | 3 complimentary international lounge visits per year |
| Paisabazaar’s Rating | ★★★ (3/5) |
| On this page |
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the YES Bank website.
Rewards – YES Prosperity Business Credit Card lets you earn, 10,000 reward points on annual spends of Rs. 6 lakhs or more. The card further offers 4 reward points on every Rs. 200 spent on all categories except select categories. You get 2 reward points on spending Rs. 200 on select categories. 5X reward points are on the first 3 transactions of the biller registered on YES PayNow. All the accumulated reward points can be redeemed against hotel/flight/movie ticket bookings. The reward points can also be redeemed against Air Miles.
8 Reward Points = 1 InterMiles/ 1 Club Vistara Point
Low Foreign Currency Markup Fee – With YES Prosperity Business Credit Card you get a low foreign currency markup of 2.50% only.
Airport Lounge Access –
Complimentary Golf Program – The card offers one complimentary golf lesson per month i.e. 12 golf lessons in a year. Also, cardholders can avail a green fee waiver at select golf courses in India.
Fuel Surcharge Waiver – With YES Prosperity Business Credit Card, cardholders can avail 1% fuel surcharge waiver for transactions between Rs 400 – Rs. 5,000. The total waiver card users can avail on this card is capped at a maximum of Rs. 500 per month.
The fees and charges associated with YES Prosperity Business Credit Card are:
| Particulars | Amount |
| Membership Fee | Rs. 399 + applicable taxes (waived off on spending Rs. 25,000 on retail within 90 days of card activation) |
| Renewal Fee | Rs. 399 + applicable taxes (waived off on spending Rs. 1,00,000 within or 12 months prior to card renewal date) |
| Foreign Currency Markup | 2.5% |
| Finance Charges | 3.50% p.m./42.00% p.a. |
| Late Payment Charges | Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
The eligibility criteria for YES Prosperity Business Credit Card are:
| Criteria | Details |
| Occupation | Self-employed, Proprietors and Partners of Partnership firms |
| Minimum Income | ITR of at least Rs. 5 lakh |
| Serviceable Cities | Click here for the list of serviceable cities |
| Documents Required | Click Here for the list of acceptable documents |
You should go for YES Prosperity Business Credit Card if your business requires you to travel outside India frequently and you are looking for a card with a comparatively lower foreign markup fee. This credit card can also be a good choice for people who love to play golf and are looking for credit cards with a low annual fee.
Who can apply for this credit card?
Indian Corporations whose Income Tax returns are over Rs. 5.00 lakh only can apply for this credit card.
What is the annual fee charged on YES Prosperity Business Credit Card?
The annual fee charged on YES Prosperity Business Credit Card is Rs. 399.
What is the foreign transaction markup fee on YES Prosperity Business Credit Card?
The markup fee is just 2.5% on YES Prosperity Business Credit Card.
Does YES Prosperity Business Credit Card provide lounge access?
Yes, users get 3 free visits to Priority Pass international lounges and 2 free accesses to MasterCard domestic lounges.
