YES Prosperity Business Credit Card
YES BANK
₹499
Joining fee
₹499, waived at ₹1L spend
Annual fee
Rs 399 joining fee waived if spending Rs 25,000 on retail within 90 days of activation; Rs 399 annual/renewal fee waived upon spending Rs 1,00,000 within 12 months prior to renewal.
2.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Self-employed individuals, proprietors, and partnership firm partners; minimum ITR of at least Rs 5 lakh.
Lounge access
4 domestic / 0 international / 0 railway visits per year
Network Mechanism Difference: Mastercard holders present the card at the lounge for the 3 complimentary Priority Pass visits/year; Visa holders show the card directly instead - a minor access-mechanism difference between card networks.
Reward details
4 reward points per Rs 200 spent (most categories); 2 points per Rs 200 on select categories
- 5X points on First 3 transactions of billers registered via YES PayNow
- Rs 6 lakh+ annual spending: 10,000 points
Redemption
Hotel/flight/movie bookings, or Air Miles conversion
Ratio: 8 points = 1 InterMiles or Club Vistara point
- 1% fuel surcharge waiver on Rs 400-5,000 transactions, capped Rs 500/month
- Golf: 1 complimentary lesson monthly plus green fee waivers at select courses
Real-world feedback
Content fetched contained only factual product specifications with no customer praise or complaint commentary.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge