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YES Prosperity Reward Plus Credit Card

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हिंदी में पढ़े
Updated: 04-10-2022 06:57:53 AM

 Important: As per RBI guidelines, issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users

YES Prosperity Reward Plus Credit Card is best suited for earning reward points on everyday spends with annual fee as low as Rs. 399. Users earn bonus reward points on grocery and supermarket transactions. Additional details of this credit card are given below.

Key Highlights of YES Prosperity Reward Plus Credit Card

Card TypeEntry-level
Best Suited forReward Points
Joining FeeRs. 399 (waived off on spending Rs. 10,000 within 90 days of card set up)
Renewal FeeRs. 399 (waived off on spending 50,000 within 12 months prior to card renewal date)
Minimum Income Net Salary Rs.35,000 p.m. or ITR>Rs. 5 lakh p.a.
Best Feature12,000 bonus reward points on spending of Rs. 3.6 lakh or more in each anniversary year
Paisabazaar’s Rating★★★ (3/5)

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit YES Bank’s website.

On this page

YES Prosperity Reward Plus Credit Card - Features and Benefits
YES Prosperity Reward Plus Credit Card - Fees and Charges
YES Prosperity Reward Plus Credit Card - Eligibility Criteria & Documentation
Should You Get This Card?
Similar Credit Cards
Frequently Asked Questions(FAQs)

YES Prosperity Reward 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:

  • 4 reward points on every Rs. 200 spent on on all categories (except select categories)
  • 2 reward points are earned per Rs. 200 spent on select categories
  • 5X Reward points are earned on the first three transactions of YES PayNow registration

Annual Bonus Rewards – 12,000 bonus reward points on spending Rs. 3.60 lakh annually

Reward Point Redemption – Redeem reward points on an exclusive YES Rewardz catalogue. (10 Reward Points = 1 Intermile/1 Club Vistara Point)

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 the primary cardholder’s death by accident

Fuel Surcharge Waiver – 1% fuel surcharge waiver for transaction between Rs. 400 and Rs. 5,000

Also Read: YES First Business Card

YES Prosperity Reward Plus Credit Card - Fees and Charges

The fees and charges associated with YES Prosperity Reward Plus Credit Card are:

Fee/ChargeAmount/Rate
Joining FeeRs. 399 (waived off on spending Rs. 10,000 within 90 days of card activation)
Renewal FeeRs. 399 (waived off on spending Rs. 50,000 within 12 months prior to the renewal)
Interest Rate on Revolving Credit3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Interest-free PeriodUp to 50 days
Cash Withdrawal Limit30% of the credit limit
Finance Charges/Cash Advance Fee3.50% of the amount
Overlimit Fee2.5% of the over-limit amount (min. Rs. 500)
Foreign Exchange Mark-up3.40%
Late Payment ChargesFor balance-
Below or equal to Rs. 100- Nil
From Rs. 100 to Rs. 500- Rs. 150
From Rs. 501 to Rs. 5,000- Rs. 500
From Rs. 5,001 to Rs. 20,000- Rs. 750
Above Rs. 20,000- Rs. 1,000
Add-on Card FeeNil (up to 3 cards can be issued)
Payment Return Charges (Autopay/Cheques)Rs. 350 per instance
Get a lifetime FREE Step UP Credit Card with a credit limit of 100% of your FD
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YES Prosperity Reward Plus Credit Card - Eligibility Criteria & Documentation

CriteriaDetails
OccupationSalaried or Self-employed
Minimum Income for Salaried ApplicantsRs. 35,000 per month
Minimum Income for Self-employed ApplicantsITR of Rs. 5 lakh or above
Age21 to 60 years old
Documents RequiredClick Here for the list of acceptable documents
Serviceable CitiesClick here for the list of eligible cities

Should You Get This Card?

YES Prosperity Reward Plus Credit Card is a great reward credit card as you can avail reward points on select categories and can also redeem them against various products from YES Bank’s catalogue or Airmiles. Not only this, you can enjoy other perks like annual fee waiver, card protection plan, instant EMI options, etc. However, if you are not looking for a credit card offering reward points, you should not consider applying for this card.

Similar Credit Cards

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Citibank® Rewards Credit Card

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Earn 1 reward point for every Rs. 125 spent

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Standard Chartered Platinum Rewards Credit Card

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

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HDFC Regalia Credit Card

Rs. 2,500

4 reward points per Rs. 150 on all retail spends, including insurance, utilities, education and rent

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HDFC Bank Diners Club Rewardz Credit Card

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Earn 1000 Reward Points on successful sign-up
Earn 3 Reward Point per Rs. 150 spent on retail

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Get a lifetime FREE Step UP Credit Card with a credit limit of 100% of your FD
Know More

Frequently Asked Questions(FAQs)

Q. My credit score is 350. Can I apply for YES Prosperity Rewards Plus Credit Card?
If your credit score is above 750, then there are high chances that your application for YES Prosperity Rewards Plus Credit Card will be approved. But if your credit score is 350 which is considered to be poor , some banks might reject your application.

Q. 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.

Q. I am a YES Bank Account holder. Can I make credit card bill payment via netbanking?
Yes, if you are a YES Bank account holder, you can easily make credit card bill payment through netbanking.

Q. How much cash advance fee is charged on YES Prosperity Rewards Plus Credit Card?
If you have YES Prosperity Rewards Plus Credit Card, you will have to pay a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 300 (whichever is higher) which will be billed in the next monthly statement. The transaction fee is subject to change at the sole discretion of the bank.

Q. I am 20 years old. Am I eligible to apply for YES Prosperity Rewards Plus Credit Card?
No, to apply for YES Prosperity Rewards Plus Credit Card, your age must be 21 to 60 years old.

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