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Yes Prosperity Reward Plus Credit Card

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."

Yes Prosperity  Reward Plus Credit Card
Pros
  • Reward System: 4 Reward Points on every INR 200 on Travel & Dining Spends. Dining and travel cashback rate: 0.5%. 2 Reward Points on every INR 200 on all categories.1 Reward Point = INR 0.25. Effective cashback rate is 0.25%

  • Upto 3 free add-on cards.

  • Get a minimum 15% discount on dining at select restaurants on your YES Bank Credit Card.

  • Preferential Foreign Currency Markup at 3.4%

Cons
  • Low cashback rate.

  • Limited number of value add features.

Pros & Cons
Welcome Benefits

None.

Rewards System

Reward System: 4 Reward Points on every INR 200 on Travel & Dining Spends. Dining and travel cashback rate: 0.5%. 2 Reward Points on every INR 200 on all categories.1 Reward Point = INR 0.25. Effective cashback rate is 0.25%.

International Forex Markup

3.4%.

Welcome Benefits and Reward System
Special Features

Get 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
  • The Yes Bank Prosperity Rewards Plus Credit Card is an upper-midrange credit card that offers a variety of benefits, including:

  • Rewards: Earn 8 reward points per INR 200 spent on travel and dining, and 4 reward points per INR 200 spent on all other categories. Reward points can be redeemed for a variety of rewards, such as gift cards, travel vouchers, and merchandise.

  • Travel benefits: Get fuel surcharge waiver across all the refilling stations in India.

  • Other benefits: Enjoy a discounted annual fee for the first year, no late payment charges for the first 60 days, and a 90-day interest-free period on purchases.

  • Zero liability protection: You are not liable for any fraudulent transactions made with your card if you report the loss or theft of your card to the bank within 24 hours.

  • Lowest forex markup: The card offers the lowest forex markup on international transactions, so you can save money when you travel abroad.

  • Dedicated reward redemption portal: You can redeem your reward points for a variety of rewards, such as gift cards, travel vouchers, and merchandise, through the Yes Bank rewards portal.

  • Additional 2X Reward Points: Earn an additional 2X reward points on every INR 200 spent, up to a maximum of 1500 reward points per statement cycle.

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
Yes Bank Prosperity Reward Plus Credit Card

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.

Abhijeet Saxena

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.

Fees & Charges
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