Welcome and Renewal Reward Points:

• Earn 12,000 Reward Points on your first transaction done within 30 days of card set-up date^a
• Earn 10,000 Reward Points on spending INR 1 Lakh within 90 days of card set-up date^b
• Earn 12,000 Reward Points on each renewal^c

Annual Reward Points:

• Earn 10,000 Reward Points on annual spends of INR 6 Lakhs or more in each anniversary year^b,*

*Anniversary year is defined as 12 months from the date of set-up or date of renewal

Reward Points Accrual:

• 4 Reward Points on every INR 100 retail spends^d
• 50% Bonus Reward Points on Dining and Online spends**
• 500 Reward Points on each YES PayNow registration^e .Please Click here to know more

** As per VISA/MasterCard definition of Online and Dining as a merchant category

Reward Points Redemption:

• Dedicated website for Reward Points redemption on Flight/Hotel/Office Supplies category (1 Reward Point = INR 0.25)
• Handpicked catalogue of products to choose from, for Reward Point redemption
• Redemption of Reward Points against Air-miles (4 Reward Points = 1 JPMile)

Please visit https://www.yesrewardz.com/CreditCard to know more or redeem Reward Points

Attractive Interest Rate on Revolving Credit and Preferential Foreign Currency Markup

• Interest Rate of 2.40% per month (28.80 % annually) on Revolving Credit for Cardmembers having YES BANK Current/Savings Account or Business Banking relationship
• Interest Rate of 3.22% per month (38.64 % annually) on Revolving Credit for Cardmembers not having YES BANK Current/Savings Account or Business Banking relationship
• Preferential Foreign Currency Markup of 2.50%

Priority Pass Membership and Lounge Access:*

• Complimentary Priority Pass membership for the Primary card member
• 3 complimentary International lounge access for Primary Cardmembers in a calendar year
• Lounge access fee of US$ 27 will be applicable for :
  • All visits to lounges in India for Primary Cardmembers
  • Any accompanying/additional guests across international lounges and lounges in India
  • Usage from the 4^th visit onwards for Primary Cardmembers

* Priority Pass membership is applicable only for the Primary Cardmember, and is non-transferable to any other person(s)

To apply for your Priority Pass membership, please download the Application Form from website (Form Center) and send it to the address mentioned on the form. For the list of lounges, Please visit www.prioritypass.com

MasterCard Lounge Program#

• 2 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for the Primary Cardmember

# The list of lounges may be changed by MasterCard at its discretion and without any prior notice to YES BANK or its card members. Please click here to know more

MasterCard World Golf Program

• Waiver of green fee at select golf courses^## in India

• Enjoy one complimentary golf lesson every calendar month

• For bookings, customer may contact MasterCard Golf Concierge on 1800 102 6263

## The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Click here to know more

Insurance Coverage

• INR 50 Lakhs Air accidental cover in case of death due to a flight accident^f
• INR 15 Lakhs cover on medical emergencies, while travelling overseas^f
• INR 2.5 Lakhs credit shield cover on accidental death of Primary Cardmember

Please click here to know more

Fuel Surcharge Waiver**

• Fuel surcharge is waived across fuel stations in India for transactions between INR 400/- to INR 5,000/-

** Total waiver in a statement cycle is capped at INR 500. Only the surcharge component will be waived off, GST as levied on surcharge will not be waived off

Contactless Card Technology

• YES Prosperity BUSINESS Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards

MasterCard® SecureCode

• Secure your online transactions with MasterCard® SecureCode™
• Click here to create your 3D Secure Password

Password for IVR transactions

To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS ‘YESIVR<space> last 4 digits of your YES BANK Credit Card number’ to 9212738927 from your registered mobile number.

For more details please click here

1. Applicable for retail transaction only. This feature is applicable on cards with annual membership fee
2. Applicable for retail transaction only
3. This feature is applicable on renewal membership fee realization
4. Applicable for retail transactions only. Not valid for fuel transactions
5. Applicable only on Standing Instruction based registration for bill payment, not applicable for register and pay or ad-hoc payment
6. Applicable only when the flight is booked on your YES Prosperity BUSINESS Credit Card

Click here for value chart

Annual membership fees

First Year Membership Fee of Rs 2,500 + Applicable Taxes

Renewal Membership Fee of Rs 2,500 + Applicable Taxes

CURATED BENEFITS FOR BUSINESSES ON THE MOVE!

AWFIS:

Workspaces for businesses on the move

• Upto 2 complimentary meeting room hours across India per calendar quarter at Awfis Centers listed on www.awfis.com
• Discount of 15% across all work desks (Cabin, Fixed, Flexi desks) at Awfis Centers listed on www.awfis.com
• Discount of 20% across all meeting rooms at Awfis Centers listed on www.awfis.com

Quarterly Savings of INR.1,000/- (Offer valid till 31^st October, 2018)

EXPERIAN:

Better credit decisions

Powered by Experian

• Get 2 free Credit Bureau Reports worth INR.399 each
• Detailed analysis of your Experian Credit score providing valuable insights
• Get your first report after one month of joining, and the second one upon completion of six months as a valued YES Prosperity BUSINESS Credit Cardmember

Savings of INR.798/-(Offer valid till 31^st October, 2018 and for card set-up on or before 31^st October, 2018)

RedGirraffe:

RentPay assistance for your business

• Automate your Office and Residential rent payments through YES PayNow bill payment facility
• Upto 50 days Interest free Credit period
• Earn Reward Points on your rent payments

Quarterly Savings of INR.1,866/-(Offer valid till 31^st October, 2018)

Cleartax:

Seamless Tax filing for your Business

• 10% off on Managed Services for GST making GST filing hassle free
• 10% off on Business Tax filing services
• Click here for detailed T&C’s

Offer valid till 30^th June, 2018

Disclaimer - The above mentioned savings amounts are for illustration purpose only and YES BANK shall, in no way held responsible to provide the benefits stated therein and/or in relation thereto. Actual benefit(s) will differ for every Cardholder/Card member depending on actual spend & payment pattern. YES BANK Limited (“YES BANK”) is not responsible for the correctness & accuracy of data/information.

Click here for detailed T&C’s of the above offers.

Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES. Click here

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

• Key Attractions:
  • Zero documentation
  • No Processing fees
  • Repayment options from 3 months to 24 months
  • Convert Transaction starting from as low as INR 2,500
  • Interest Rates ranging from 12% p.a to 15% p.a

• List of Partners:
  • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy instalments at the following merchant partner.
  • Please click here view list of stores and click here to view list of online partners
  • For detailed Terms and Conditions please click here

Easy ways to make YES BANK Credit Card Bill Payment

You can pay the YES BANK Credit Card Bill through the following convenient channels

a) For YES BANK Account Holders:

• Net Banking: Register yourself for YES BANK Net Banking and make Credit Card payments online.
• Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Current/Savings Account to your Credit Card Account.
• ATM Funds Transfer: You can transfer funds from your Current/Savings Account to your Credit Card Account at any YES BANK ATM.

b) For All Customers:

• NEFT: You can make payment for your Credit Card through NEFT fund transfer mode from other bank accounts. Please add your 16 digit YES BANK Credit Card number as a beneficiary. Use IFSC code:YESB0CMSNOC to make payment through NEFT.
• Billdesk: Click on the given link to make the payment using Billdesk facility. Please click https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
• Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit YES BANK Credit Card Number, and drop the cheque at nearest YES BANK drop box. Please mention your name and mobile number on the back of the cheque.
• Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.