YES Prosperity Business Credit Card Review

Yes Bank has brought a new card for the businessmen or company owners, the card is Yes Prosperity Business credit card. It is specially designed to give you financial freedom so that you can run your company more smoothly. You will also get some attractive benefits and privileges like Lounge access, Golf program, Insurance coverage, reward benefits, etc. More details of the card are given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 70 yrs. 
    • Income: Income tax return should be greater than ₹5 lakh. 
  • For self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: Income tax return should be greater than ₹5 lakh.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹2,499 + GST
  • Annual Fee: ₹2,499 + GST


  • Welcome benefit:

If you choose this card you will get 10,000 reward points on the first transaction made with this card. You should make the first transaction within 30 days of the card issuance. 

You will also get 7,500 reward points on each renewal of this card. 

  • Reward benefit:

For each ₹200 transactions made on Tour operators, travel agencies, and domestic airlines, you will get 8 reward points. You will also get 4 reward points for the same in other categories. 

If you register for Yes PayNow you will get 500 reward points. 

You can redeem those reward points very easily you can redeem them against flights, movie tickets, or hotel bookings, and various products available in the reward catalog. You can also redeem them into Air Miles, (8 reward points = 1 air mile)

  • Lounge access:

With this card, you will get 3international lounge access annually under the priority pass program. You will have to pay $27 + GST for guest visits. 

This card also offers 2 complimentary accesses to domestic MasterCard lounges.  

  • Golf:

You will get a big waiver on green fees at some selected golf courses. This card also offers one free golf lesson monthly. 

  • Fuel surcharge waiver:

If you choose this card you will get a 1% waiver on fuel surcharges. This offer applies to all fuel stations in India. The transaction amount should be between ₹400 to ₹5000.

  • Insurance coverage:

This card provides ₹50 lakh coverage against air accidental death of the cardholder and ₹15 lakh coverage against overseas hospitalization. 

You will also get a ₹2.5 lakh credit shield for the accidental death of the cardholder. 

  • Milestone benefit:

If you can spend ₹6 lakh within an anniversary year, you will get 10,000 reward points.

  • Secure IVR Transaction:

For IVR transactions you need an OTP. You have to send an SMS from your mobile number which is registered in the Bank. Type YESIVR<space>last 4 digits of the card number and send it to 9212738927.

  • EMI facility:

You can convert any transaction over ₹1500 into EMI, with this card. This feature is very helpful for the shoppers. 

  • Security:

This card has a built-in EMV chip, this chip is specially designed to add more security to your transactions. Also, this card comes with 3D security which makes it more secure. 

  • Other features:

There are also some other features in the card like Quick loan facility, Yes Paynow facility, Card Protection Plans, etc.  

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.


  • Finance Charge: 3.5% monthly. 
  • Foreign currency transaction: 2.50% monthly. 

Contact Details:

Call: 18001031212



100xGain Ratings:


Final Opinion:

This card is perfect for making business-related expenses. You can earn big reward points with every transaction you make with this card. This card also offers domestic and international lounge access, a discount on green fees and free golf lessons, insurance coverage, and lots of useful features. So if you want to earn reward points for your business-related expenses, then this card is perfect for you.  

But if you want benefits like expense management facility, spend tracker option, then you can go for IndusInd Bank Business Gold Credit Card, or if you want a more premium business card then you can go for American Express Platinum Corporate Card

4 thoughts on “YES Prosperity Business Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: