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YES Prosperity Business Credit Card
Visa
YES Prosperity Business Credit Card
YES Bank's entry-level business card for small business owners pairs a modest ₹399 joining/annual fee — waivable by spending ₹10,000 in the first 30 days, and again each year on ₹1 lakh of spend — with a flat 2% (4 points per ₹200) reward rate across nearly all categories, plus a 10,000-point milestone bonus at ₹6 lakh of annual spend. It sits a notch below YES Bank's own FIRST Business card in fees and rewards, making it a lighter-weight option for smaller firms.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter, unlocked by ₹50,000+ spend in the previous quarter
- International lounge access: 3 complimentary Priority Pass international lounge visits per year (Mastercard) or access via Visa-branded lounge programme
- Golf: 1 complimentary golf lesson per month (12 per year) plus green-fee waiver at select golf courses in India
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹5,000
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹5,000 at all fuel stations in India, capped per statement cycle
Benefits
- 4 reward points per ₹200 spent on all categories except a small exclusion list
- 10,000 bonus reward points on annual spends of ₹6 lakh or more
- 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000
Pros
- + Both joining and annual fees are easily waived through normal business spend
- + Flat, uncapped reward rate across almost all categories rather than a narrow bonus list
- + 10,000-point milestone reward at ₹6 lakh annual spend adds real upside
- + Lounge access and fuel surcharge waiver included at a low fee tier
Cons
- − 3% forex markup (raised on 15 Jun 2026) applies to cross-border business purchases
- − Lower reward ceiling than YES Bank's own FIRST Business card for larger spenders
- − Reward point redemption value depends on the catalogue chosen