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Yes Prosperity Cashback Plus Credit Card

Yes Prosperity Cashback Plus Credit Card

 Card Details
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

Fees & Charges

Joining Fee

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Annual Fee

annual fee reversal on spending inr 1,00,000 on the card.

Cash Advance Fee

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Interest rate

0

Late Payment Fee

8

Foreign Currency Transactions Fee

Other Fees

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

Cons
  • Card does not provide domestic lounge visit. 

  • Cap of Rs 125 on fuel surcharge waiver.

  •  No movie offers. 

  • Limited number of value add features. 

  • Welcome Benefits: Users will get cashback of INR 250 on spends of INR 2,500 in the first 30 days of card set up.

  • Rewards: 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. 0.75% on all other spends except fuel.

  • 5% cashback on bill payments through YES PayNow

  • Other Benefits: Insurance coverage, and dining discount. 

Rewards & Benifits
Welcome Benefits

Users will get cashback of INR 250 on spends of INR 2,500 in the first 30 days of card set up.

Rewards System

5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. 0.75% on all other spends except fuel.


International Forex Markup

3.4%.

Welcome Benefits and Reward System
Special Features

5% cashback on your movie ticket bookings, grocery shopping and utility bill payments. 0.75% on all other spends except fuel.

Eligibility Criteria

Age Criteria: Minimum 21 years to maximum 60 years.
Salaried or Self Employed.
Minimum Net Salary of INR 35,000 per month or Income Tax Return of INR 5 Lakhs and above

Benefits


  • Cashback on all spends. 

  • Dining discount of 15%. 

  • Insurance coverage also offered. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the Yes Bank Prosperity Cashback Plus Credit Card online or by visiting a Yes Bank branch. Here are the steps on how to apply online:

  • Go to the Yes Bank website and click on the "Credit Cards" tab.

  • Select the "Prosperity Cashback Plus Credit Card" from the list of cards.

  • Click on the "Apply Now" button.

  • You will be redirected to a new page where you will need to fill out an application form.

  • Provide your personal and financial information as requested in the form.

  • Upload scanned copies of your PAN card, address proof, and income proof.

  • Click on the "Submit" button.

  • Your application will be reviewed by Yes Bank and you will be notified of the decision within a few days.

Contact Details

Toll Free No: 1800 103 6000
1800 103 1212
Email: yestouchcc@yesbank.in

Account Opening and Procedure

Recommended Credit Cards

Pros:-

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Cons:-

  • Welcome Benefits: Users will get cashback of INR 250 on spends of INR 2,500 in the first 30 days of card set up.

  • Rewards: 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. 0.75% on all other spends except fuel.

  • 5% cashback on bill payments through YES PayNow

  • Other Benefits: Insurance coverage, and dining discount. 

  • Card does not provide domestic lounge visit. 

  • Cap of Rs 125 on fuel surcharge waiver.

  •  No movie offers. 

  • Limited number of value add features. 

Yes Prosperity Cashback Plus Credit Card is unique cashback credit card from Yes Bank. Its biggest attraction is its uncapped 5% cashback on grocery and utility bill payments. This card is a must have credit card for middle class individuals.

Yes Prosperity Cashback Plus Credit Card

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: INR 999 plus taxes.

  • Renewal membership fees: INR 99 (plus taxes) 

  • Interest Rate: 3.6% p.m (43.2%p.a).

  • Late Payment Charges: INR 150 - INR 1000 for an outstanding amount ranging from INR 150 to INR 20,000 and above.

  • Cash Withdrawal Fees: 2.5% of amount withdrawn or INR 300, whichever is higher.

  • Reward Redemption Fees: INR 100

  • Fuel Surcharge: 1%, however, surcharge waived for transactions between INR 400 to INR 5,000. (max waiver of INR 125 in a statement cycle).

  • Foreign Currency Markup: 3.40%

Fuel Surcharge

1%, however, surcharge waived for transactions between INR 400 to INR 5,000. (max waiver of INR 125 in a statement cycle).

Billing Cycle

30 Days

Fees & Charges
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