YES Prosperity Business Credit Card
Yes Bank · Open to apply
A business card at ₹499: 8 YES Rewardz per ₹200 on travel and dining (up to 1,500 points a statement), 4 elsewhere, one domestic lounge visit a quarter, golf; 10,000 points at ₹6 lakh a year.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 4 YES Rewardz per ₹200 on all other categories: 4 YES Rewardz per ₹200 (about 0.2% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 8 YES Rewardz per ₹200 on air, hotel, dining and travel: 8 YES Rewardz per ₹200 (about 0.4% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet, fuel, government, cash and EMI
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- Paid feature, Rewards Subscription Plan (one year): a plan bought for a fee earns extra points on the card's spends. Not an always-on rate, so not in the earn rules.
- The business card page's select-category list also holds local transport (4111, 4121, 4131), mapped here only where our categories match (utilities, groceries, insurance, education, tolls).
- The page puts the 15 Jun 2026 earn exclusions (insurance, education, railways, toll, ferry, jewellery) on the retail cards only; the business glossary lists none, so none are entered here even though insurance, education and tolls are Select categories.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, YES Prosperity Business Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Business credit cards listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)