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Yes Prosperity Reward Credit Card

Product Details
Credit Card Name : 

Yes Prosperity Reward 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 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. The 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


  • Travel benefits

  • Zero liability protection

  • Lowest forex markup

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • ou can apply for the Yes Bank Prosperity Reward 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 "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.

Contact Details

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

Account Opening and Procedure
Yes Bank Yes Prosperity Rewards Credit Card

Yes Bank Prosperity Reward Credit card has limited number of value add benefits. Further, it offers a low cashback rate. It has now been discontinued by Yes Bank.

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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