YES Prosperity Business Card

Joining Fee: Rs. 399(plus applicable taxes)
Renewal Fee: Rs. 399(plus applicable taxes)
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: N/A

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YES PROSPERITY Business Credit Card is the second business card launched after YES FIRST Business Credit Card to assist businesses. The Prosperity Business has similar features to the First business card but in a limited manner. The Prosperity card offers reward points on all business transactions categorized under the select categories and all categories. The card offers benefits in many sectors like travel, fuel, lifestyle, and many more. The prosperity card offers great milestone benefits, spend-based waiver benefits, and other benefits like fuel surcharge wavier for businesses, and most importantly the card charges only 2.5% towards the foreign currency markup on all international transactions. This rate is very low when compared to other business cards. Certain travel benefits like complimentary access to domestic as well as international airport lounges are also provided to make business travel lavish. Along with that, a golf program is also provided. The great part is, that all these benefits and privileges associated with the card are just offered at the Annual fee of just Rs. 399. Following is a detailed review of the card:

New Features

Spend Based Waiver

Spend Rs. 25,000 within first 90 days from card activation and get 1st year membership waived off and Spend Rs 1,00,000 in card anniversary year and get waiver on renewal fee for the subsequent year.

Interest Rates

3.50% per month (42% p.a.)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 100

Fuel Surcharge

1% fuel surcharge waiver valid for transactions between Rs. 400 to Rs. 5000 only. Maximum surcharge waiver in a statement cycle is Rs 500.

Foreign Currency Markup

2.5% of the transaction amount.

Cash Advance Charges

2.5% (subject to a minimum charge of Rs. 300)

Movie & Dining

N/A

Travel

Complimentary domestic as well as international airport lounge access.

International Lounge Access

3 complimentary international Lounge access (per year) at airports outside India

Rewards Rate

4 Reward Points for every Rs. 200 spent on all categories (except select categories) 2 Reward Points for every spent Rs. 200 on Select categories.

Golf

1 complimentary golf lesson every calendar month and Waiver of green fee at select golf courses (Only for VISA Cardholders)

Insurance Benefits

Air Accidental Insurance, Medical Insurance Cover and Accidental death cover.

Reward Redemption

Redeem points for Flight/Hotel/Movie ticket booking, Exclusive Catalogue of Products or against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point) on YesRewards.

Domestic Lounge Access

1 complimentary Domestic Lounge access per quarter (Only for VISA Cardholders)

Zero Liability Protection

Cardholder not liable for any fraudulent transaction post the time of reporting the loss to Yes Bank’s customer care.

Pros

No data available

Cons

No data available

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