YES Prosperity Rewards Plus Credit Card - Features, Benefits, Fees & Charges

YES Prosperity Rewards Plus Credit Card (4)

Regular Best For: Reward Points
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Looking to get rewarded for your everyday expenses? Look no further than the YES Prosperity Rewards Plus Credit Card! You can enjoy a reward rate of 0.5% to 1% on categories like travel and dining, plus a whole host of other perks like a 15% discount on dining out, free insurance coverage, and a fuel surcharge waiver. And all of this comes at an incredibly low yearly fee of just ₹399! Keep reading to discover all the benefits this credit card has to offer. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Amazon voucher worth ₹500 on spending ₹1,000 within first 30 days.

Reward Points
  • 8 Reward Points for every ₹200 spent on travel and dining
  • 4 Reward Points for all categories
  • 2 Reward Points on selected categories
  • Reward Rate: 0.5% to 1%
Insurance Benefit
  • Credit shield cover of ₹1 lakh
  • Lost card liability cover of ₹1.3 lakh
Dining Benefit

15% discount on selected restaurants.

Fuel Surcharge

1% surcharge waiver for transactions between ₹400 to ₹5,000.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹399

Annual Fee

₹399

Annual Percentage Rate

45.60%

Add-on Card Fee

0

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

30%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.40%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹101 to ₹500

₹150

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹20,000

₹750

Balance more than ₹20,000

₹1,000
Pros

Aspects that make this credit card amazing.

  1. Low joining and annual fee.
  2. Decent rewards on travel and dining.
Cons

Aspects this credit card lacks.

  1. Reward Points are capped at 1,500 per statement cycle.
  2. The redemption rate for reward points is not very high.
  3. No free access to airport lounges.
YES Prosperity Rewards Plus Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(3)

Customer Service

(3.5)

YES Prosperity Rewards Plus Credit Card Review

The YES Prosperity Rewards Plus Credit Card can be a great option for you if you want to earn reward points on your everyday spending, especially on travel and dining. However, the reward rates for other categories may not be as attractive as expected. Additionally, the cap on the number of points you can earn and the low redemption rate may limit the appeal of this card for some users. 

Nevertheless, it is particularly suitable for those who are new to credit as it has relaxed eligibility criteria. This credit card allows you to earn reward points on every transaction, which can later be redeemed against various products available in the catalogue or on Airmiles. Apart from the reward points, it offers basic benefits like a fuel surcharge waiver and a joining/annual fee waiver. 

Overall, if you are looking for a rewards credit card and are comfortable with the limitations, then this is a suitable option for you. However, if you prefer a credit card with better reward rates, consider the options below:

1. Standard Chartered Platinum Rewards Credit Card

2. IDFC FIRST Select Credit Card

3. American Express SmartEarn Credit Card

Key Highlights of YES Prosperity Rewards Plus Credit Card

Card Type

Entry-level credit card

Best For

Reward Points

Joining and Annual Fee

₹399 plus taxes

Annual Fee Waiver

Reversed on spending ₹50,000 within 12 months prior to the renewal

Card Network

Mastercard and Rupay

Reward Points on YES Prosperity Rewards Plus Credit Card

Spend Category

Reward Points

Travel and Dining

8 points per ₹200 spent (capped at 1,500 Rewards per statement cycle)

All other categories

4 points per ₹200 spent

Selected categories

2 points per ₹200 spent

Who should get the YES Prosperity Rewards Plus Credit Card?

The YES Prosperity Rewards Plus Credit Card is a good option for people who:

  • Spend a lot on travel and dining 

  • Have a good credit score 

  • Want a credit card with an affordable annual fee

How to apply for the YES Prosperity Rewards Plus Credit Card?

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.

Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.

Step 3: Choose 'Yes Bank' from the list.

Step 4: Choose 'YES Prosperity Rewards Plus Credit Card' and click on the 'Apply Now' button.

Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.

Step 6: Fill in the credit card application form and attach the documents required.

YES Prosperity Rewards Plus Credit Card Eligibility

  • Age: 21 to 60 years of age
  • Minimum income required: ₹25,000 per month or ITR of ₹7.5 lakh and above 

Documents Required

  • 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 or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
YES Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

YES Bank

YES Bank Credit Card Customer Care Number:

18001031212

Email Support:

yestouchcc@yesbank.in

YES Bank Card Offers:

View Offers

Total Cards:

18,22,381
YES Bank Credit Card News

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YES Prosperity Rewards Plus Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The interest rate on the YES Prosperity Rewards Plus Credit Card is 3.80% p.m.

Conversion Rate and Redemption:

1 Reward Point = Rs 0.25.

Reward Points on YES Prosperity Rewards Plus Credit Card

Spend Category

Reward Points

Travel and Dining

8 points per ?200 spent (capped at 1,500 Rewards per statement cycle)

All other categories

4 points per ?200 spent

Selected categories

2 points per ?200 spent

YES Prosperity Rewards Plus Credit Card Eligibility:

Age: 21 to 60 years of age
Minimum income required: Rs 25,000 per month or ITR of Rs 7.5 lakh and above

The annual fee for the YES Prosperity Rewards Plus Credit Card is Rs 399.
 

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