YES Prosperity Rewards Plus Credit Card is best suited for every day spends. Users earn bonus reward points on grocery and supermarket transactions. Additional details of this credit card are given below.
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YES Prosperity Rewards Plus Credit Card - Features and Benefits
The features and benefits associated with this credit card are given below.
Reward Points – The reward points that can be earned on this credit card are:
- 3 reward points on every Rs. 100 spent on Grocery and Supermarket spends
- 2 reward points are earned per Rs. 100 spent on other categories
- 500 Reward points are earned per YES PayNow registration
Annual Bonus Rewards – Users earn 12,000 bonus reward points on spending Rs. 3.60 lakh annually
Reward Point Redemption – Users get to redeem reward points on an exclusive YES Rewardz catalogue. 4 Reward Point = 1 JPMile
Credit Shield – Under this scheme cardholder’s outstanding amount is insured and the customer or their family does not have to pay the bill in case of primary cardholder’s death by accident
Fuel Surcharge Waiver – Users get fuel surcharge waiver if they transact between Rs. 400 and Rs. 5,000
Fee Reversal – Users can get the Annual & Renewal fee reversed if they meet the below-given criteria:
- First Year Fee Reversal – Users must spend Rs. 7,500 within 90 days of card activation to get this benefit
- Renewal Fee Waiver – Cardholder has to spend Rs. 25,000 in a year to avail this benefit
Also Read: YES First Business Card
YES Prosperity Rewards Plus Credit Card - Fees and Charges
The fees and charges associated with YES Prosperity Rewards Credit Card are:
| Fee/Charge | Amount/Rate |
| Joining Fee | Rs. 350 |
| Renewal Fee | Rs. 350 |
| Interest-free Period | Up to 50 days |
| Cash Withdrawal Limit | 30% of the credit limit |
| Finance Charges/Cash Advance Fee | 3.50% of the amount |
| Overlimit Fee | 2.5% of the over-limit amount (min. Rs. 500) |
| Foreign Exchange Mark-up | 3.40% |
| Late Payment Charges | For balance- Below Rs. 100- Nil From Rs. 100 to Rs. 500- Rs. 100 From Rs. 501 to Rs. 5,000- Rs. 400 From Rs. 5,001 to Rs. 20,000- Rs. 500 Above Rs. 20,000- Rs. 700 |
| Add-on Card Fee | Nil (up to 3 cards can be issued) |
| Payment Return Charges (Autopay/Cheques) | Rs. 350 per instance |
YES Prosperity Rewards Plus Credit Card - Eligibility Criteria
The eligibility criteria for YES Prosperity Rewards Plus Credit Card are:
Age Criteria – Applicant should be between the ages of 21 to 60 years old
Salary – The net income of the applicant must be Rs. 25,000. Self Employed people should have Income Tax Returns of 5.00 lakh or above
Nationality – Customer must be an Indian National
How to Apply for YES Prosperity Rewards Plus Card
The applicant can follow the steps given below to apply for this credit card:
- Click here to start your application
- Provide the basic details
- All the credit cards that you can apply for will be displayed.
- Now, filter out YES Bank Credit Cards
- Click on the Check Eligibility button against the YES Prosperity Rewards Plus Credit Card
- Answer the question “Whether you have applied for this credit card in the past 6 months”
- If you meet the eligibility then proceed with the application process by providing additional information and then submit the form
Afterwards, an executive from YES Bank will contact the customer to set date and time for document collection. The bank will then verify the information and if satisfied dispatch the credit card.
There are other ways to apply for this credit card. Users can visit YES Bank’s official website or visit the nearest YES Bank branch to apply.
Frequently Asked Questions(FAQs)
What is the annual fee charged on YES Prosperity Rewards Plus Credit Card?
The annual fee charged on YES Prosperity Rewards Plus Credit Card is Rs. 350.
Is there an annual/renewal fee waiver?
If users spend Rs. 25,000 in a year then their annual/renewal fee will be waived.
Is there a fuel surcharge fee on this credit card?
No, YES Prosperity Rewards Plus Credit Card does not charge a fuel surcharge fee as long as the user spends between Rs. 400 and Rs. 5,000.
How are reward points earned on this credit card?
The reward point earning rate on this credit card is mentioned below:
- 3 reward points are earned per Rs. 100 spent on Groceries or Supermarket spends
- 2 reward points are earned on every Rs. 100 spent on other categories
- 500 Reward points are earned on every YES PayNow registration
Other Reward Credit Cards
People also looked for the following reward credit cards:
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
Rs. 1,000 | Earn 1 reward point for every Rs. 125 spent Earn 10X reward points on apparel and departmental store spends | 4.2/5 | |
Rs. 250 | Earn 5X reward points on dining and fuel spends Earn 1 reward point on every spending of Rs. 150 on all the other categories | 3.5/5 | |
Rs. 350 | Earn 3 reward points on every Rs. 100 spent on Grocery and Supermarket spends Earn 2 reward points are earned per Rs. 100 spent on other categories | N/A | |
Rs.1,000 | Earn 1000 Reward Points on successful sign-up Earn 3 Reward Point per Rs. 150 spent on retail | N/A |