Yes Prosperity Cashback Credit Card is a highly rewarding credit card offering 5% cashback on movies, grocery and utility payments. The card further offers reward points on everyday purchases that can be redeemed against AirMiles or from the rewards catalogue. To know more about the features and benefits of having a Yes Prosperity Cashback Credit Card, read below:
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Key Highlights of YES Prosperity Cashback Credit Card | |
| Card Type | Mid-Level |
| Best Suited for | Cashback and rewards |
| Annual Fee | Rs. 999 |
| Minimum Income Requirement | Rs. 20,000 pm |
| Best Feature | 5% cashback on movies, groceries and utility bill payments |
| Paisabazaar’s Rating | ★★★ (3.5/5) |
| On this page |
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 the YES Bank website.
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:
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:
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.
