YES Prosperity Cashback Credit Card

Welcome Offer – Get Rs. 250 cashback on total spends of Rs. 2,500 within 30 days of card activation.

Cashback Offer – 5% cashback on spending on movies, utility bill payments and groceries. 0.50% cashback on all other spends except fuel.

Fuel Surcharge waiver – Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs 400 to Rs. 4,000.

Milestone Benefits – Get 15,000 bonus reward points on spending Rs. 6 lakh or more in each anniversary year.

Reward Benefits – 

With your YES Bank Prosperity Cashback credit card, you get:

• 4 reward points on every Rs. 200 spent on all categories
• 2 reward points on every Rs. 200 spent on select categories
• 5X rewards points on the first 3 transactions done via YesPayNow (valid only for the first 5 registered billers)

You can redeem the accumulated rewards from an exclusive catalogue of products or against Air Miles.

10 Reward Points = 1 InterMile/1 Club Vistara Point

Complimentary Golf Program

YES Bank Prosperity Cashback Credit Card offers 4 complimentary rounds of green fees and 1 complimentary golf lesson every calendar month at select Golf courses in India.

Airport Lounge Access

Domestic Lounge Access: Get 1 complimentary domestic airport lounge access per quarter, valid only for primary members. 

International Lounge Program:

For Mastercard cardholders – YES Bank Prosperity Cashback Credit Card offers a complimentary Priority Pass Membership on request of the cardholder. The membership is valid only for the primary cardmember and USD 27+GST lounge access charges are applicable for each visit to the lounge.

For VISA cardholders – Yes Bank Visa Credit cardholders can gain access to international lounges by displaying the LoungeKey logo. A charge of USD 27+GST will be applicable on all visits.

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

Particulars	Amount
Membership Fee	Rs. 999 + applicable taxes (waived off on spending Rs. 15,000 on retail within 90 days of card activation
Renewal Fee	Rs. 399 + applicable taxes (waived off on spending Rs. 75,000 on retail 12 months prior to card renewal date)
Foreign Currency Markup	3%
Finance Charges	3.50% p.m./42.00% p.a.
Late Payment Charges	Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

The eligibility criteria for YES Prosperity Cashback Credit Card are:

Criteria	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 20,000 per month
Minimum Income for Self-employed Applicants	ITR of at least Rs. 5 lakh
Serviceable Cities	Click here for the list of serviceable cities
Documents Required	Click Here for the list of acceptable documents

You should get a YES Prosperity CashBack Credit Card if:

• You need cashback on utility bills
• You are looking for a fuel surcharge waiver
• You are looking for rewards on every purchase

If you are willing to explore more cards that offer similar benefits as Yes Bank Prosperity Cashback Credit Card, here are a few cards to consider:

Credit Card	Annual Fee	Key Feature
Citi Cash Back Credit Card	Communicated at the time of sourcing	5% cashback on telephone & utility bill payments and movie ticket purchases
Standard Chartered Super Value Titanium Credit Card	Rs. 750	5% cashback on phone and utility bills

Who can apply for YES Prosperity CashBack Credit Card?

Applicants who are Indian Citizens and have a steady source of income can apply for this credit card.

Is there any capping on cashback value?
Yes, total cashback is capped at Rs. 100 per statement cycle.

What is the minimum transaction value to be eligible for a cashback?
The minimum transaction value to required for qualifying for a cashback is Rs. 500.