YES Prosperity Business Credit Card

Checked against YES Bank's 4 documents for this card on 06 Nov 2026

COFFER Safety Stars3 of 5See the five checks

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹499 to join.

Annual fee

₹499 a year.

What it gives back

8 reward points per ₹200 on selected categories.

Read from 3 YES Bank documents, last checked 8 Nov 2026.

How it compares

Compared with the cards we have read

₹499 annual fee: of the 447 other open cards whose annual fee we have read, 159 state a lower one, 48 state the same and 240 state a higher one.

3% forex markup: of the 480 other open cards whose forex markup we have read, 109 state a lower one, 35 state the same and 336 state a higher one.

Fees

Joining fee
₹499 to join.
Annual fee
₹499 a year.
Fee waiver rule
First Year Membership Fee of ₹499+ Applicable Taxes waived off on total spends of ₹10,000 within One month of card set up date
Add-on card fee
Add-on Card fee NIL

Rewards

Reward rate
8 reward points per ₹200 on selected categories.
Reward caps
8 YES Rewardz Points on every ₹200 for spends on all categories (Air/Hotel/Dinning/Travel/Rented Vehicles) other than ‘Select categories’ - (capped at ₹1500 Points per statement)
Statement-credit redemption
Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.
Point expiry
Reward points expire after 3 years from the date of earning.

Card benefits

Domestic lounge access
1 domestic lounge access per quarter.
Golf
Green fee waiver on golf rounds.
Milestone benefits
10,000 reward points on annual spends of ₹6 Lakhs or more in each anniversary year

Also included

Fuel surcharge waiver
1% fuel surcharge waiver
Purchase to EMI conversion
Instant EMI: Pay in parts for your transactions as low as ₹1500.

Charges

Forex markup
3% on foreign currency transactions.
Cash advance fee
2.5% or ₹650, whichever is higher.
Interest on unpaid balance
3.99% monthly, 47.88% annually
Interest-free period
Up to 50 days
Late payment fee
Nil up to ₹500; above ₹500, 10% of statement balance or ₹1,350 whichever is lower
Payment return or dishonour fee
₹450 shall be levied to the Cardmember on the net payable amount post payment attempts (Per instance of cheque return)

Eligibility

Ways to redeem your points

Cashback against your bill
“Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.” Proof
Flight bookings
“Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.” Proof
Hotel bookings
“Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.” Proof
Gift vouchers and gift cards
“Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.” Proof
Products from the rewards catalogue
“Reward points can be redeemed against hotel and flight bookings, statement credit, vouchers or merchandise.” Proof

How we know - 3 documents from YES Bank, checked 8 Nov 2026

3 documents from YES Bank, checked 8 Nov 2026.

₹499 a year

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