Yes Prosperity Reward Plus Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
Yes Prosperity Reward Plus Credit Card
Bank Name :
Yes Bank
Type :
Rewards Credit Card
Interest Rate :
3.8% p.m (45.60%p.a).
Eligibility :
Age Criteria: Minimum 21 years to maximum 60 years
Salaried or Self Employed.
Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lakhs and above."
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Pros
Reward System: Users will get 4 reward points for every INR 200 on travel & dining spends with a cashback rate of 0.5%. 2 reward points for every INR 200 on all categories with an effective cashback rate of 0.25%.
Upto 3 free add-on cards.
A minimum 15% discount on dining at select restaurants.
Preferential Foreign Currency Markup at 3.4%
Cons
Low cashback rate.
Limited number of value add features.
Pros & Cons
Welcome Benefits
None.
Rewards System
Users will get 4 reward points for every INR 200 on travel & dining spends with a cashback rate of 0.5%. 2 reward points for every INR 200 on all categories with an effective cashback rate of 0.25%.
International Forex Markup
3.4%.
Welcome Benefits and Reward System
Special Features
A minimum 15% discount on dining at select restaurants on your YES Bank Credit Card.
Eligibility Criteria
Age Criteria: Minimum 21 years to maximum 60 years
Salaried or Self Employed.
Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lakhs and above."
Benefits
Reward benefits.
Dining benefits.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
You can apply for the Yes Bank Prosperity Reward Plus Credit Card online or by visiting a Yes Bank branch.
To apply online:
Go to the Yes Bank website and click on the "Apply for Credit Card" tab.
Select the "Yes Bank Prosperity Reward Plus Credit Card" from the list of cards.
Enter your personal details, such as your name, address, and contact information.
Enter your employment details, such as your employer's name and your salary.
Upload a scanned copy of your PAN card and a recent passport-sized photograph.
Click on the "Submit" button to complete your application.
Contact Details
Toll Free No: 1800 103 6000
1800 103 1212
Email: yestouchcc@yesbank.in
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will get 4 reward points for every INR 200 on travel & dining spends with a cashback rate of 0.5%. 2 reward points for every INR 200 on all categories with an effective cashback rate of 0.25%.
Upto 3 free add-on cards.
A minimum 15% discount on dining at select restaurants.
Preferential Foreign Currency Markup at 3.4%
Low cashback rate.
Limited number of value add features.
Yes Prosperity Reward Plus Credit Card has limited number of value add features. If you are availing it you should also purchase the additional reward subscription plan through which you can avail 3x-5x reward depending on the subscription plan.
Yes Bank Prosperity Reward Plus Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Annual membership: Rs 399 plus taxes (waived on total retail spends of INR 10,000 within 30 days of card set up date).
Renewal membership fees: Rs 399 (plus taxes) Spend ₹1,00,000 in card anniversary year and get
waiver on renewal fee for the subsequent year.Interest Rate: 3.8% p.m (45.60%p.a).
Late Payment Charges: Rs 150 - Rs 1000 for an outstanding amount ranging from Rs 150 to Rs 20,000 and above.
Cash Withdrawal Fees: 2.5% of amount withdrawn or ₹300, whichever is higher.
Reward Redemption fees: Rs 100.
Fuel Surcharge : 1%, waiver for transaction between ₹400 to ₹5,000 only. (max Rs 125 in a statement cycle)
Foreign Currency Mark-up : 3.4%
Fuel Surcharge
1%, waiver for transaction between ₹400 to ₹5,000 only. (max Rs 125 in a statement cycle).
Billing Cycle
30 Days.