M16S / Yes Bank / YES Prosperity Business Credit Card
entry · business, rewards
YES Prosperity Business Credit Card
Yes BankLast checked 12 Oct 2026
The YES Prosperity Business Credit Card costs Rs 499 a year, waived if you spend Rs 1,00,000 in a year. It earns 4 YES Rewardz points per Rs 200 on all categories other than select categories. The forex markup is 3%. Lounge visits in India: 1 per quarter (spend-gated). Read from the issuer's documents and an aggregator on 12 Oct 2026.
Joining Rs 499 waived on Rs 10,000 spend in 1 month; annual Rs 499 waived on Rs 1 lakh spend in 12 months.
Rewards
Reward currency
YES Rewardz points
Base earn
4 YES Rewardz points per Rs 200 on all categories other than select categories
Point value
Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn
8 points per Rs 200 on air, hotel, dining, travel-agency and similar travel MCCs (capped at 1,500 points per statement); 2 points per Rs 200 on select categories (local transport, taxis, buses, utilities, grocery, insurance, education, tolls)
Caps
Issuer page: 8-point tier capped at 1,500 points per statement. MITC: utility earn capped at 150 points per cycle.
Spends that earn nothing
No points on rent, wallet, fuel, government transactions, cash withdrawals, Post Purchase EMI, EMI on Call and Instant EMI (issuer page).
Points expiry
3 years from earning
Milestone benefits
10,000 reward points on annual spends of Rs 6 lakh or more in each anniversary year.
Reward notes
Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 x Rs 0.25 = 0.5%.
Transfers
Partners
Air India Maharaja Club
Ratio
10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points
Travel and perks
Domestic lounge
1 per quarter (spend-gated)
Lounge conditions
Needs Rs 50,000 spend in the previous calendar quarter (MITC).
Forex markup
3%
Fuel surcharge waiverunverified
1% on Rs 500-5,000 transactions; cap not found
Other freebies
Green-fee waiver on golf rounds (count not stated).
Charges and eligibility
Interest per month
3.99%
Late payment fee
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Age 21-70; self-employed individuals, proprietors and partners of partnership firms; minimum ITR Rs 7.5 lakh; existing YES BANK credit cardholders not eligible.
Fine-print notes
Issuer product page read 12 Oct 2026: the page is live with an application flow and no discontinuation notice, so status 'open' is confirmed. FOREX CONFLICT: the page states 'Attractive Foreign Currency Markup Fee of 3.00%' and a footnote says the markup applicable prior to 15 Jun 2026 was 2.50%. The catalog had 2.5% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 3.0 from the page. New from the page: 8/4/2 points per Rs 200, the 1,500-point cap, 1 domestic lounge visit a quarter, the 10,000-point milestone, golf green-fee waiver and eligibility. Confirms fees (Rs 499 first year waived on Rs 10,000 spend in one month; Rs 499 renewal waived on Rs 1 lakh). The fuel waiver cap is not on the page (range before 15 Jun 2026 was Rs 400-5,000). Network is not stated. || Earlier notes: Listed in the current MITC fee table without a 'no longer sourced' flag, so treated as open; no product detail could be read. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.5%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure.
Questions
What is the annual fee of the YES Prosperity Business Credit Card?
Rs 499 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the YES Prosperity Business Credit Card give airport lounge access?
Yes. In India: 1 per quarter (spend-gated). Outside India: none listed. Conditions: Needs Rs 50,000 spend in the previous calendar quarter (MITC).
What is the forex markup on the YES Prosperity Business Credit Card?
3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Prosperity Business Credit Card?
No points on rent, wallet, fuel, government transactions, cash withdrawals, Post Purchase EMI, EMI on Call and Instant EMI (issuer page).