Rewards credit card · YES Bank
Yes Prosperity Reward Credit Card
Yes Prosperity Reward Credit Card is a rewards credit card from YES Bank. 1 Reward Point = ₹0.25.
- Joining fee
- ₹399
- Annual fee
- ₹399 + taxes
- Forex markup
- 3.4%
- Interest
- 3.8% p.m (45.60%p.a)
Rewards & cashback
- 1 Reward Point = ₹0.25
- Users will get 4 reward points for every ₹200 on travel & dining spends, a cashback rate of 0.5%
- 2 reward points for every ₹200 on all categories
- The effective cashback rate is 0.25%
More benefits & features
- A minimum 15% discount on dining at select restaurants
- Travel benefits
- Zero liability protection
- Lowest forex markup.; Upto 3 free add-on cards.; Preferential Foreign Currency Markup at 3.4%
Fees & charges
- Joining fee
- ₹399 ( + taxes) Spend ₹1,00,000 in card anniversary year and get waiver on
- Annual fee
- ₹399 + taxes (waived on total retail spends of ₹10,000 within 30 days of card set up date)
- Foreign currency markup
- 3.4%
- Interest rate
- 3.8% p.m (45.60%p.a)
- Late payment
- ₹150 - ₹1000 for an outstanding amount ranging from ₹150 to ₹20,000 and above
- Cash advance
- 2.5% of amount withdrawn or ₹300, whichever is higher
- Fuel surcharge
- 1%, waiver for transaction between ₹400 to ₹5,000 only. (max ₹125 in a statement cycle)
- Billing cycle
- 30 Days
- Other fees
- ₹399 plus taxes (waived on total retail spends of ₹10,000 within 30 days of card set up date). | Renewal membership fees: ₹399 (plus…
Pros and cons
What works well
- 1 Reward Point = ₹0.25
- Users will get 4 reward points for every ₹200 on travel & dining spends, a cashback rate of 0.5%. 2 reward points for every ₹200 on all categories
- The effective cashback rate is 0.25%
- Upto 3 free add-on cards
- A minimum 15% discount on dining at select restaurants
- Preferential Foreign Currency Markup at 3.4%
Worth knowing
- Low cashback rate
- Limited number of value add features
Who can apply
- Age Criteria: Minimum 21 years to maximum 60 years
- Salaried or Self Employed
- Minimum Net Salary of ₹25,000 per month or Income Tax Return of ₹5 Lakhs and above
How to apply
Here are the steps on how to apply online:
- ou can apply for the Yes Bank Prosperity Reward Credit Card online or by visiting a Yes Bank branch
- Go to the Yes Bank website and click on the "Apply for Credit Card" tab
- Select the Yes Bank Prosperity Reward Credit Card and click on the "Apply Now" button
- Enter your personal and financial information
- Upload your scanned copies of your PAN card, address proof, and income proof
- Submit your application and wait for the bank to process it
More YES credit cards
Details come from information published by YES Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.
