YES Prosperity Business Credit Card

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 –

• Domestic Lounge Access – Primary cardholders get access to 1 complimentary domestic lounge visit per year.
• International Lounge Access – The card allows cardholders 3 international lounge visits per year. Mastercard holders will need to present the complimentary Priority Pass Membership to avail lounge access. However, VISA credit cardholders can gain access to lounges just by showcasing their Visa-branded YES BANK credit card.

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.