YES Prosperity Cashback Credit Card offers users to earn cashback on all their bill payments. Furthermore, the cash back is added directly to your account balance.
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YES Prosperity CashBack Credit Card – Features and Benefits
Welcome Gift – Cardholders get Rs.250 cashback as a welcome gift if spends cross Rs.2500 within the first 30 days. Cashback can be gained only on transactions and not on ATM withdrawals
Cashback – Users get 5% cashback on Utility bills, grocery shopping, movie tickets etc.
Fuel Surcharge Waiver – Avail fuel surcharge waiver across all fuel stations in India.
Foreign Currency Markup – Foreign Currency Markup of 3.40% only
Lifestyle Benefits – Get offers and discounts on across travel, shopping, dining at selected cities only.
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YES Prosperity CashBack Credit Card – Fee and Charges
The fees and charges associated with YES Prosperity Cashback Credit Card are:
| Category | Amount |
| Membership Fee | Rs. 1,000 + applicable taxes |
| Renewal Fee | Rs. 1,000+ applicable taxes |
| Minimum Amount Due | 5% of outstanding / Min. Rs. 200 |
| Add-on Card Fee | Nil |
| Finance Charges | 3.50% p.m. / 42.00% p.a. |
| Over Limit Fee | 2.5% of over limit amount / Min. Rs.500 |
| Cash Advance Fee | 2.5% of withdrawn amount / Min. Rs. 300 |
| Reward Redemption Fee | Rs. 100 |
| Payment Return Charges | Rs. 350 per instance |
| Re-issue of Lost/Stolen Card | Rs.100 |
| Foreign Currency Markup Fee | 3.40% |
| Goods and Service Tax | 18% applicable on all fees and charges |
| Late Payment Fee | For Amount less than Rs. 100 – Nil Between Rs. 101 and Rs. 500 – Rs. 100 Between Rs. 501 and Rs. 5,000 – Rs. 400 Between Rs. 5,001 and Rs. 20,000 – Rs. 500 For amount greater than Rs. 20,000 – Rs. 700 |
Eligibility Criteria and Documents Required for YES Prosperity Cashback Credit Card
The eligibility criteria for YES Prosperity CashBack Credit Card are:
- Applicant should be between the age bracket of 21 to 60 years
- He/she should have a regular source of income
- Applicant’s minimum salary should be:
- Monthly Salary – Rs. 25,000, or
- Income Tax Return – 5 lakh
Documents Required for YES Prosperity Cashback Credit Card:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
YES Prosperity CashBack Credit Card – FAQs
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 add on card fee on YES Prosperity CashBack credit card?
Up to 3 supplementary YES Prosperity CashBack credit cards can be availed without paying any additional fee.
What is the interest-free period on YES Prosperity CashBack Credit Card?
YES Prosperity CashBack Credit Card comes with an interest-free period of up to 50 days.
