YES Prosperity Cashback Plus Credit Card

YES Prosperity Cashback Plus Credit Card lets you earn cashback on every transaction, be it grocery purchases, movie ticket bookings or shopping. Here are some of the key features and benefits of this credit card:

Up to 5% Cashback

With this credit card, you can earn up to 5% cashback on your selected purchases. Here are the details regarding the same:

• 5% cashback (Max. Rs. 100 per statement cycle) on movie ticket bookings and grocery shopping on a minimum transaction of Rs. 500
• 5% cashback on bill payments through YES PayNow
• 0.75% cashback on all other retail spends

Other Benefits

Apart from cashback, you can also avail other benefits like fuel surcharge waiver, insurance coverage, EMI conversion or more. Below mentioned are some of the other benefits of YES Prosperity Cashback Plus Credit Card:

Welcome Benefit: Rs. 250 cashback on spending Rs. 2,500 within 30 days of card setup.

Fuel Surcharge Waiver:  1% fuel surcharge waiver at all fuel stations in India on your transactions between Rs. 400 and Rs. 5,000.

Insurance Coverage: Credit shield cover in case of accidental death of primary cardmember.

Foreign Currency Markup Fee: This card charges a forex markup fee of 3.40%.

Instant EMI: Customers can get instant EMI on big-ticket purchases.

Suggested read: Top Credit Cards in India

The fees and charges applicable to YES Prosperity Cashback Plus Credit Card are given below:

Type of Fee/ Charge	Amount
Joining Fee	Rs. 1,499
Annual Fee/ Renewal Fee	Rs. 1,499
Finance Charges	3.50% p.m. (42% p.a.)
Late Payment Fee	For Statement Balance: Less than Rs. 100: Nil Between Rs. 100 & Rs. 500: Rs. 150 Between Rs. 501 & Rs. 5,000: Rs. 500 Between Rs. 5,001 & Rs. 20,000 Rs. 750 Over Rs. 20,000: Rs. 1,000

Click here to check other associated fees and charges.

The applicant must fulfill the below-mentioned eligibility criteria to apply for YES Prosperity Cashback Plus Credit Card:

Particular	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 35,000 p.m.
Minimum Income for Self-employed Applicants	ITR> Rs. 5 lakh
Age Requirement	21 to 60 years
Documents Required	Click here for the list of acceptable documents
Serviceable Cities	Click here for the list of eligible cities

YES Prosperity Cashback Plus Credit Card is specifically designed for people who want to earn cashback on daily purchases. This credit card offers the highest cashback of 0.75% across all categories, along with up to 5% cashback on grocery purchases, movie ticket bookings and bill payments. You will also get Rs. 250 cashback at the time of joining on spending Rs. 2,500 within the 30 days of card setup.

However, considering the joining and annual fees of this credit card, it does not offer many benefits apart from cashback. There are other cashback credit cards available in the market that charges a low annual fee and provide better benefits, such as HDFC Millennia and Axis ACE Credit Card. So, if your goal is only to avail cashback and you are ready to pay a high annual fee, then you can apply for this credit card.

If you are looking for other credit cards that offer benefits similar to Prosperity Cashback Plus, then you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
HDFC Millennia Credit Card	Rs. 1,000	5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato
Axis Bank ACE Credit Card	Rs. 499	5% cashback on bill payments, DTH and mobile recharges*
HSBC Cashback Credit Card	Rs. 750	1.5% cashback on all online spends & 1% cashback on all other spends
Citi Cash Back Credit Card	Communicated at the time of sourcing	5% cashback on utility & telephone bill payments and movie ticket purchases
Standard Chartered Super Value Titanium Credit Card	Rs. 750	5% cashback on utility bills, phone bills and fuel expenses

*Terms and conditions are applicable.

Q. How can I apply for YES Prosperity Cashback Plus Credit Card?

A. You can apply online for this credit card through the official website of YES Bank. All you need to do is visit the credit card page and select the card of your choice and then click on ‘Apply Now’ to apply for any of the credit cards. Additionally, you can also apply offline by visiting the nearest branch of the bank and fill out the application form.

Q. Does YES Prosperity Cashback Plus Credit Card offer an annual fee waiver?

A. No, YES Prosperity Cashback Plus Credit Card does not offer any joining fee or annual fee waiver. However, you can earn a cashback of Rs. 250 as a welcome benefit on spending Rs. 2,500 within 30 days of card setup.

Q. I already have a credit card. Can I apply for YES Prosperity Cashback Plus Credit Card?

A. Yes, the bank allows its users to have more than one credit card. However, you must meet the eligibility criteria set by the bank to apply for this credit card. The minimum income requirement to apply for this credit card for salaried applicants is Rs. 35,000 per month. For self-employed applicants, the ITR must be greater than Rs. 5 lakh p.a. to apply for this credit card.

Q. Can I withdraw cash using my YES Prosperity Cashback Plus Credit Card?

A. Yes, you can withdraw cash using this credit card. However, the bank charges a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 300 (whichever is higher) for withdrawing cash. Therefore, it is advisable not to withdraw cash using a credit card as it incur charges.

Q. Can I avail fuel surcharge waiver on every transaction via YES Prosperity Cashback Plus Credit Card?

A. No, you can avail a fuel surcharge waive of 1% on your transactions between Rs. 400 and Rs. 5,000. This waiver can be availed across all petrol pumps in India. However, you can avail a maximum waiver of Rs. 125 in a statement cycle.

Q. How can I check the application status of my YES Prosperity Cashback Plus Credit Card?

A. You can check the application status of your credit card online by visiting the official website of the bank. You need to log in to your account and enter your application number to track the status. Additionally, you can also call on the YES Bank credit card customer care number to check the application status.