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YES BANK
YES Prosperity Rewards Credit Card
Travel
Shopping
Rewards
1st Year Fee: ₹499* Plus Applicable Taxes
Shopping
2 reward points per Rs. 200 spent on retail
Travel
Low foreign exchange markup fee of 3.40%
Rewards
1 point per Rs. 200 spent on select categories
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About YES Prosperity Rewards Credit Card
YES Prosperity Rewards Credit Card is a decent choice for consumers who want to start their credit journey with an entry-level card that offers basic benefits. The card offers 2 reward points for every Rs. 200 spent on retail purchases and 1 reward point per Rs. 200 spent on select categories, and additional rewards through subscription plans.
This card also charges a comparatively low forex markup fee of 3.40%, which enhances its value for frequent travellers. Besides this, it also offers basic benefits such as a fuel surcharge waiver and insurance coverage. Overall, this credit card turns out to be a suitable option for consumers seeking a low annual fee card with benefits on everyday spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit the YES BANK website.
Rewards Program & Travel Benefits
Rewards Program
- 2 reward points per Rs. 200 spent on retail (excluding select categories)
- 1 reward point per Rs. 200 spent on select categories1
- 3X reward points on select categories with Reward Subscription Plan for Rs. 1,000
- 5X reward points on Travel, Dining, Fashion & Healthcare with Reward Subscription Plan for Rs. 2,000
Travel Benefit
- Low forex markup fee of 3.40%
Other Features & Benefits
Fuel Benefit
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000
Insurance Benefit
- Insurance cover of up to Rs. 50,000 against accidental damage
Joining Fee Waiver
- Joining fee waiver on spending Rs. 10,000 within one month
Annual Fee Waiver
- Annual fee waiver on spending of Rs. 1 Lakh in a year
YES Prosperity Rewards Credit Card: Fees & Charges
| Particulars | Amount | ||||
|---|---|---|---|---|---|
| Joining Fee | Rs. 499 + Taxes | ||||
| Annual Fee | Rs. 499 + Taxes | ||||
| Finance Charges | 3.99% p.m. (47.88% p.a. ) | ||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if:
You frequently spend on everyday retail purchases
You are looking for a card with a low forex markup fee (3.40%)
You can spend Rs. 1 Lakh in a year to avail annual fee waiver
You want to pay an extra Rs. 2,000 for accelerated rewards on travel, dining, fashion & healthcare
Other similar cards:
Paisabazaar Review
What do we like about this card?
YES Prosperity Rewards Credit Card is an entry-level card for consumers who want to start their credit journey. With 2X rewards on retail spends, this credit card is a suitable choice for day-to-day expenses. Cardholders who frequently spend at dining, travel, fashion & healthcare can earn up to 5X rewards through the subscription plan. Besides this, a low forex markup fee of 3.40%, fuel surcharge waiver, and joining/annual fee waiver add to the overall value.
Pros
- 2X reward points on retail spends
- Low forex markup of 3.40%
- Up to 5X reward points through subscription plan
- Easily achievable spending milestone for annual fee waiver
Cons
- Low base reward rate of 1 point per Rs. 200 spent
- No travel benefits like complimentary lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
If you want to apply for YES Prosperity Rewards Credit Card, you can apply through both offline and online modes. Visit the official website of the bank and fill out the application form, or you can also visit your nearest YES Bank branch to fill out your application in offline mode.
No, YES BANK Prosperity Rewards Credit Card does not offer any airport lounge access benefits, as it is an entry-level reward credit card and does not include any travel benefits apart from the low forex markup fee.
YES BANK Prosperity Reward Credit Card offers reward points on everyday spends. Besides this, it also comes with other benefits, such as a low forex markup fee of 3.40%, fuel surcharge waiver and joining/annual fee waiver.
YES BANK Prosperity Rewards Credit Card comes with a joining and annual fee of Rs. 499 + applicable taxes, with a renewal fee waived off on spending of Rs. 1 Lakh.
he major difference between YES BANK Prosperity Rewards and YES BANK Prosperity Business Credit Cards is that the Prosperity Rewards card mainly focuses on reward points and lifestyle benefits, whereas YES BANK Prosperity Business Cards focus on lifestyle and travel benefits.
Footnotes
- Exclusion: Rent, Wallet and Fuel transactions, Cash withdrawals, Post Purchase EMI & Instant EMI transactions, Government transactions, Marketing / Advertising category transactions.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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