Yes Bank Prosperity Business Card: Apply Now

Summary

The Yes Bank Prosperity Business Card is a credit card that First of all, it provides a lot of beneficial features and benefits that make it easy for users to keep track of their business costs. With this card, you may earn points for everyday transactions and go into airport lounges for free.

People can also get 4 to 8 reward points for every ₹200 they spend on things like eating out, going on vacation, or work-related charges. You can use these points to buy flights, hotel stays, or gift cards. It’s a lot of fun! It doesn’t charge for gas, it adds a modest fee to foreign currency, and it gives free golf lessons, which are all great benefits for folks who travel a lot for work.

The card has a lot of useful features, but one of the nicest is that it allows businesses to see how much they spend. Users can control how much their employees can spend on their cards, obtain a lot of information, and even turn significant purchases into low-cost EMIs. The card also comes with supplemental insurance, such as for plane crashes, medical emergencies, and shopping.

Introduction

Having the right money tools can make a major difference in today’s fast-paced work world. The Yes Bank Prosperity Business Card is very useful for business owners and professionals. The purpose of this card is to assist businesses in keeping track of their daily expenses, travel costs, and job purchases in a method that is easy and cheap. This credit card for businesses can be very helpful, flexible, and useful for you if you own a small business, a startup, or work for yourself.

The Yes Bank Prosperity Business Card is not simply a regular credit card, to start. It’s a good technique for companies to handle their money. It lets people with cards buy products, keep track of their spending, and even collect rewards all at the same time. It helps you keep track of your business and personal expenses, which makes it easier to keep track of your money and file your taxes at the end of the year.

The fantastic reward point system is one of the nicest features of this card. Every time you buy something, you can gain points. You may then use those points to buy items like hotel stays, plane tickets, gift cards, and more. The card also has useful benefits for business travelers and entrepreneurs who are often on the road, such as not charging them more for gas, letting them use airport lounges for free, and securing their purchases.

The Yes Bank Prosperity Business Card also has great features that help you keep track of your money. You can see all of your spending in one place with monthly statements and by logging into your account online. You can also keep an eye on how staff use their cards and set limits on them. This makes it easier to keep track of and plan your business expenses.

What is the Yes Bank Prosperity Business Card?

The Yes Bank Prosperity Business Card is a unique credit card made just for business owners, entrepreneurs, and people who work for themselves. This card is different from other credit cards because it is meant to pay for business expenses, including travel, office supplies, gas, and entertaining clients.

First of all, this card is a sensible approach to keep track of your business’s money. It lets you keep your business and personal costs separate, which makes it easier to do your taxes and keep track of your money. In addition, it lets you provide your employees with add-on cards, which makes it easier for you to keep track of and monitor their spending.

How is the design of the Yes Bank Prosperity Business Card?

The Yes Bank Prosperity Business Card has a basic, sleek, and professional look. First of all, the card looks modern and has a clear style that makes you feel like you can trust it and that it is smart. It usually has a sophisticated mix of dark blue and silver colors that make it look high-end and professional.

The card also proudly shows the Yes Bank logo, your name, and your card number in a way that is easy to see. This makes the card not only look good, but also easy to use. The card is also light and convenient to carry in your wallet, just like any other credit card.

What are the benefits of the Yes Bank Prosperity Business Card?

Here are the key benefits of the Yes Bank Prosperity Business Card, with clear explanations and helpful transition words:

1. There are a lot of points to get

Sign up and get 10,000 points for your first purchase within 30 days of activating your account. 

Milestone rewards: If you spend ₹6 lakhs or more on your anniversary, you’ll get an extra 10,000 points. 

Income that keeps pouring in:

• You can get 8 points for every ₹200 you spend on travel, eating out, groceries, hotels, and other things like that (up to a specific amount per month). 

• 4 points for every ₹200 spent on other eligible items 

• Points also never run out, so you have choices. 

2. Getting inside the airport lounge

• As a member of Priority Pass, you can use three international lounges for free every year. 

• With the Mastercard Lounge program, you can go to two domestic lounges every three months. 

3. No Fuel Surcharge

At petrol stations all around India, you can earn a 1% discount on the fuel surcharge for purchases between ₹400 and ₹5,000, up to ₹500 per month. 

4. Low forex markup

When you use the card outside of the US, you’ll pay a 2.5% markup on foreign currency, which is less than the customary 3.5% markup. 

5. Golf Benefits

You can play for free at several golf courses in India with the card, and you can also get one free golf lesson each month. 

6. Covers for insurance

• ₹50 lakh in insurance for plane crashes.

• Overseas medical emergency insurance up to ₹15 lakh.

• Credit shield and lost card liability insurance costs between ₹2.5 lakh and ₹3 lakh. 

7. How to Get a Fee Waiver

• The first-year joining fee (₹399 + GST) is waived if you spend ₹25,000 in 90 days. 

• You also don’t have to pay the yearly fee if you spend ₹1 lakh in the year before your anniversary. 

What are the fees for the Yes Bank Prosperity Business Card?

Here is a simple breakdown of the  Yes Bank Prosperity Business Card fee.

Joining Fee	₹ 499 + GST
Annual Fee	₹ 499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank Prosperity Business Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Yes Bank Prosperity Business Card?

The documents that you will have to submit to get the Yes Bank Prosperity Business Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank Prosperity Business Card be used?

Here is the list of places where you can use it:

• With the Yes Bank Prosperity Business Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Yes Bank Prosperity Business Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Yes Bank Prosperity Business Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank Prosperity Business Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank Prosperity Business Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the Yes Bank Prosperity Business Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Yes Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Prosperity Business Card.

• Simply hover your cursor over the Yes Bank Prosperity Business Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can request additional documents or information if necessary.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Yes Bank branch to apply for the Yes Bank Prosperity Business Card.

• Request the credit card application form for the  Yes Bank Prosperity Business Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Yes Bank Prosperity Business Card by post at the same postal address.

• Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Yes Bank Prosperity Business Card in 2025 be the right choice?

Obtaining the Yes Bank Prosperity Business Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In short, the Yes Bank Prosperity Business Card is a strong and reliable financial instrument that may assist business owners, professionals, and entrepreneurs in keeping track of their spending in a sensible and organized way. It has a lot of extra features that make it different from other credit cards. For example, it gives you points for rewards, lets you use lounges, doesn’t charge you more for gas, and covers you with insurance. Instead, it helps you with your daily money chores as a full company partner.

The card is very well created to fit into your professional life. The card lets you do what you want and keep track of everything, like when you’re on a business trip, paying bills, or knowing how much your workers spend. There is no annual fee, and the rewards points program makes it a great choice for consumers who use their credit card a lot for business.

It’s also fantastic that Yes Bank’s customer care is easy to use and provides help. Getting started is easy and quick because you don’t have to fill out a lot of documents, and the approval procedure is speedy. You may also access your account online and on your phone with the card, so you are always in command.

Frequently Asked Questions (FAQ’s)