YES PROSPERITY Business Credit Card
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The YES Prosperity Business Credit Card caters to the needs of ambitious professionals, offering a blend of convenience, rewards, and travel benefits. It goes beyond typical credit cards by providing exclusive perks and privileges. Read on to know more. 👇
Features & Benefits
Fees & Charges
| Fees/Charges | Amount | Description |
|---|---|---|
| First Year Membership Fee | ₹ 399+ applicable taxes | Waived off on total retail spends of INR 10,000/- done within 30 days of card set up date |
| Renewal Membership Fee* | ₹399+ applicable taxes | Waived off on total retail spends of INR 1,00,000/- or more within 12 months prior to card renewal date |
| Revolving Credit Interest Rate | 3.80% per month (45.60% annually) | Cash Advances and Overdue Amount |
| Foreign Transaction Fee | 2.50%+GST | - |
| Rental & Wallet Transaction | Minimum 1% of transaction value or Rs 1 whichever is higher will be levied on all Rental and Wallet transactions greater than Rs 1 | Please note that rental transactions are capped at 3 per 30 days period |
| Rewards Redemption Fee | ₹100 | On every redemption request |
All About the Card
Overview
The YES Prosperity Business Credit Card goes beyond standard rewards, offering exciting points and benefits tailored to business travellers. Earn welcome points and fee waivers, access exclusive airport lounges worldwide, and save on fuel surcharges. Maximise your rewards with bonus points on travel and dining, while accumulating points on everyday business expenses. Whether you’re on the road or managing your business, this card offers valuable benefits to keep you moving forward.
Highlights
| Key Highlights | Description |
|---|---|
| Best Suited for | Travel, Shopping , Rewards |
| Annual fee | ₹399 + GST |
| Additional Benefits |
Milestone benefits:
Get 10,000 Reward Points on achieving annual spends of Rs. 6 Lakhs or more in each anniversary year with YES Prosperity Business Credit Card. BookMyShow Offer: 25% off up to Rs 250 once per calendar month Foreign Currency Markup: 2.5%+GST Insurance Coverage Benefits: Get an insurance cover of ₹50 Lacs in case of death due to Air Accident. Enjoy an insurance cover of ₹15 Lacs in case of a medical emergency outside India. Get a Credit Shield Cover of ₹2.5 Lacs in case of the death of the primary cardholder. Dining Offer: You can get up to 15% discounts when you dine at the select partner restaurants and pay using your YES Prosperity Business credit card. Check YES Bank’s Dining Fiesta program for partner restaurants and offers. Spend safely with Select Credit Card: Contactless Transactions: Experience fast, convenient, and secure payments at retail outlets with NFC technology. Card Control: Stay in control of your card via your phone by managing card block/unblock, domestic and international credit limits, and more Keep Your Card Safe: Never disclose your password, OTP,PIN to anyone either through mail or over phone. Never respond to unsolicited calls asking for Card Activation, Verification, PIN reset, Rewards, Offers, KYC updation, etc. Password for IVR transactions: SMS YESIVR last 4 digits of your YES BANK Credit Card number to 9212738927 from registered mobile number |
Benefits
The YES Prosperity Business Credit Card elevates your professional life with a blend of convenience, rewards, and travel advantages designed for the ambitious and successful. Experience hand-picked perks and unparalleled privileges that extend beyond typical credit card benefits. This card is your passport to:
- Effortless Travel: Enjoy the comfort and exclusivity of complimentary lounge access, both domestic and international. Perfect your golf skills with our complimentary program, offering green fee waivers and lessons.
- Peace of Mind: Travel worry-free with comprehensive insurance coverage, including air accident protection, overseas medical insurance, and credit shield cover.
- Fuel Savings: Benefit from fuel surcharge waivers, saving you money on business travel expenses.
- Elevated Rewards: Accumulate valuable rewards points with every qualified purchase, unlocking a world of possibilities for your business and personal needs.
Welcome Bonus:
Earn 10,000 bonus points on your first transaction within 30 days of card issuance (with an annual fee of ₹399).
Lounge Access:
1 complimentary domestic lounge access per quarter.
Reward Points:
- Earn reward points on all your spending:
- 8x points (capped at 1,500 points per statement) on dining, travel, hotels, flights, and rented vehicles.
- 4x points on all other categories (excluding select categories).
- 10,000 bonus points on annual spending of ₹6 Lakhs or more.
- Redeem points for various rewards like travel vouchers, merchandise, gift cards, or statement credits.
Fuel Surcharge Waiver:
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
How to Apply?
If the user is an offline person, just head over to the nearest Yes Bank branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit offers.shepays.com and navigate to the ‘Credit Card’ section.
Step 2: Select the Yes Prosperity Business Credit Card from the available options and click on ‘Apply Now’.
Step 3: Fill out the online application form with personal and financial details once you’re redirected to Yes bank application portal.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank’s decision.
It’s always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
Eligibility Criteria
To be eligible to apply for the Yes First Business Credit Card, you’ll need to meet simple eligibility criteria and keep certain documents handy. We’ve highlighted the same below:
Eligibility Criteria-
- Between 21-70 years of age
- Self-employed individuals, proprietors, and partners of partnership firms
- Minimum Income Tax Return of INR 10 lakh
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
