YES Prosperity Purchase Credit Card
KeepFree forever, 45 days of float, and one bill for the whole procurement department.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until YES Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #579
Why #579 A business card carried, not ranked, and a purchase RAIL rather than a rewards card — YES says so itself: it is "your preferred mode of payment for all central spends, offering enhanced control of your accounts payable and procurement processes". Free forever, 45 days of float, one statement per cardholder and one consolidated bill for the programme. It earns nothing and opens no lounge door, and the 3.50% forex markup is India's plain norm.
The take
The YES Prosperity Purchase Credit Card is not a rewards card and does not pretend to be one. YES describes it in its own meta copy as "your preferred mode of payment for all central spends, offering enhanced control of your accounts payable and procurement processes", and every feature it advertises is an accounting feature: an individual statement for every cardholder, a consolidated statement for the Program Administrator, a single payment settling every purchase card under one relationship, and a dedicated Corporate Assist Desk. This is the card a company puts against its vendor and procurement spend so that finance gets one bill instead of forty. What it costs is nothing. YES prints "Nil joining fee" and "Nil annual fee" on the product page, and its commercial MITC repeats both in the Schedule of Charges with a third row confirming there is no spend condition attached to either. The float is up to 45 days, which on a procurement cycle is the actual benefit — and the catch that comes with it is that the Minimum Amount Due is 100% of the Total Amount Due. There is no revolving here: you pay the statement in full or you pay finance charges of 3.75% a month, 45% a year, from the transaction date. Cash advance is not applicable at all. For a reader of this desk the travel case is thin to absent. There is no lounge access, no insurance, no reward currency — the fee schedule's redemption line literally reads "Not applicable" — and foreign currency costs 3.50%, exactly India's norm, plus a dynamic- currency-conversion markup that rose from 1% to 1.5% on 15 July 2026. If a company wants a YES card that actually pays for travel, YES First Business is ₹999 with 2.00% forex and six international lounge visits; if it wants a purchase rail with a cheaper markup, YES's own RazorpayX co-brand purchase card is priced at 2.5% in the same table. This card is carried here because a reader whose company hands them one deserves to find out what it does and does not do, and the honest answer is: it moves money, cleanly, for free.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Jun 2026 YES's ₹100 redemption fee reaches Marquee and Reserv issuer-wide
- 15 Jun 2026 YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step issuer-wide
- 1 Apr 2025 YES lounge gate triples to ₹1 lakh on Marquee and Reserv issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — YES prints "Nil joining fee" and "Nil annual fee", with no spend condition attached to either
- Up to 45 days interest-free on procurement and accounts-payable spend
- An individual statement for every cardholder plus one consolidated statement for the Program Administrator
- A single payment settles every purchase card under one corporate relationship
- A dedicated Corporate Assist Desk rather than the consumer credit-card line
Watch out
- IT EARNS NOTHING — the commercial MITC's own line for this card reads "Reward Redemption Fee — Not applicable", and no rate, currency or cashback appears anywhere YES publishes
- No lounge access of any kind: YES's International Lounge Program names eight card lines and this is not one of them
- Minimum Amount Due is 100% of the Total Amount Due — this card does not revolve, it just goes overdue
- Finance charges rise to 3.75% a month (45% a year) from 15 July 2026, applied from the transaction date
- 3.50% forex markup, India's plain norm — and the DCC markup went from 1% to 1.5% on 15 July 2026
- No fuel-surcharge waiver: the commercial MITC restricts it to the RZP Cobrand card, and this is the other column
- The rental and wallet fee doubles from 0.50% to 1% of transaction value on 15 July 2026
- Cash advance is not applicable — the card cannot be used at an ATM
What these points actually fly
YES Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and ReservMarquee and Reserv exempt from the ₹100-per-redemption fee; card reissuance ₹100–₹200 by variant → ₹100 fee on every redemption request, premium cards included, plus a ₹99 booking fee on YES Rewardz flights; reissuance ₹199; fuel-surcharge waiver window revised
The exemption that let Marquee and Reserv holders pretend the ₹100 redemption fee was someone else's problem is gone. From 15 June 2026 every YES card pays ₹100 per redemption request, and booking a flight through YES Rewardz — the only place the points are worth their ₹0.25 — stacks a ₹99 booking fee on top. On a card whose whole pitch is settling 4.5% online earnings in portal travel, YES now charges you twice at the exit.
- 15 Jun 2026YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step
- 15 Jun 2026Reserv's forex markup goes 1.75% to 2%
- 1 Apr 2025YES lounge gate triples to ₹1 lakh on Marquee and Reserv
- 1 Apr 2025Government and ad spends stop earning on 13 YES cards
- 1 Dec 2024YES caps travel redemptions at 70% of the invoice
- 15 Dec 2023YES returns to super-premium with the Marquee
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official YES BANK's Prosperity Purchase Credit Card product page — the nil joining and annual fees, the 3.50% forex markup, the 100%-of-TAD minimum due and the four administrative features
- official YES BANK Commercial Credit Card MITC — the Schedule of Charges that makes both fees NIL, sets the 45-day float and prints "Reward Redemption Fee — Not applicable"
- official YES BANK's own sitemap — how many corporate credit-card pages it declares, and why that count is not the whole shelf