YES Bank Prosperity-Cashback-Plus Credit Card
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YES Bank Prosperity Cashback Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹999 Plus Applicable Taxes

Renewal Fee: ₹999 Plus Applicable Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The YES Bank Prosperity Cashback Credit Card is a great option for those looking to earn cashback on everyday purchases. With 5% cashback on movie tickets, groceries, and utility payments, this card ensures you get rewarded on your regular expenses. In addition to cashback, you earn reward points for every purchase, which can be redeemed for AirMiles or a variety of exciting rewards from the catalog.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Offer
  • Get Rs. 250 cashback on total spends of Rs. 2,500 within 30 days of card activation.
Cashback Offer
  • Earn 5% cashback on spending for movies, utility bill payments, and groceries. You’ll also get 0.50% cashback on all other purchases, excluding fuel.
Fuel Surcharge Waiver
  • Enjoy a 1% fuel surcharge waiver at fuel stations across India on transactions between Rs. 400 and Rs. 4,000.

    • Also remember that categories such as Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges are excluded from the 10X Reward Points threshold.

Milestone Benefits
  • Earn 15,000 bonus reward points on spending Rs. 6 lakh or more annually.
Reward Benefits
  • 4 reward points for every Rs. 200 spent across all categories.
  • 2 reward points for every Rs. 200 spent on select categories.
  • Earn 5X reward points on the first 3 transactions made via YesPayNow (for the first 5 registered billers).
  • Redeem your reward points for a variety of products in the exclusive catalogue or against Air Miles.
  • 10 Reward Points = 1 InterMile or 1 Club Vistara Point.
Complimentary Golf Program
  • Enjoy 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: 1 complimentary domestic airport lounge access per quarter for the primary cardholder.
    • International Lounge Program:
  • For Mastercard cardholders: Complimentary Priority Pass Membership on request, with a charge of USD 27+GST per visit.
  • For Visa cardholders: Access to international lounges by displaying the LoungeKey logo, with a charge of USD 27+GST per visit.
    •

YES Bank Prosperity Cashback Credit Card Eligibility:

Eligibility Criteria of YES Bank Prosperity Cashback Credit Card

  • 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

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India (OCI) Card, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, UIDAI Letter, or any other government-approved photo ID.
  • Proof of Address: Aadhaar Card, Driver’s License, Passport, Utility Bill (not older than 3 months), Ration Card, Property Registration Document, Person of Indian Origin (PIO) Card, Job Card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest 1 and 2 salary slips (not older than 3 months), Latest Form 16, Last 3 months' bank statements.

Note: YES Bank may request additional documents as per their internal policies.

Fees and charges that apply to YES Bank Prosperity Cashback Credit Card:

Fee / Charge Amount/Rate
Annual Renewal Fee ₹999 plus applicable taxes. Waiver: Spend ₹75,000 in the 12 months prior to renewal to get the renewal fee waived.
Joining Fee ₹999 plus applicable taxes. Waiver: Spend ₹2,500 within 30 days of card issuance to receive a ₹250 cashback.
Finance Charges Up to 3.5% per month (42% annually) on revolving credit, cash advances, and overdue amounts.
Late Payment Charges - Up to ₹100: No charge. - ₹101 to ₹500: ₹150. - ₹501 to ₹5,000: ₹500. - ₹5,001 to ₹20,000: ₹750. - Above ₹20,000: ₹1,000.
Over Limit Penalty 2.5% of the over-limit amount or ₹500, whichever is higher.
Foreign Currency Markup 3.40% of the transaction amount.
Payment Return Charges ₹350 per returned payment.
Cash Advance Charges 2.5% of the withdrawn amount or ₹300, whichever is higher.
Fuel Surcharge Waiver Available across all fuel stations in India.

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The YES Prosperity Cashback Credit Card is perfect for those who want to earn cashback on everyday purchases. It offers 5% cashback on movies, groceries, and utility bill payments, along with additional reward points that can be redeemed for AirMiles or other exciting rewards.

The YES Prosperity Cashback Credit Card offer 5% cashback on movie tickets, groceries, and utility bill payments. For all other purchases (excluding fuel), you get 0.50% cashback, helping you save on your regular expenses.

The YES Prosperity Cashback Credit Card rewards cardholders with 15,000 bonus reward points when they spend ₹6 lakh or more in a year.

Yes, the YES Prosperity Cashback Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel station across India.

The YES Prosperity Cashback Credit Card provides one complimentary domestic airport lounge access per quarter. International lounge access is available through Priority Pass (for Mastercard cardholders) or LoungeKey (for Visa cardholders) at a fee of $27 + GST per visit.

The YES Prosperity Cashback Credit Card offers 4 complimentary rounds of green fees annually at select golf courses in India, along with 1 free golf lesson every calendar month.

To apply for the YES Prosperity Cashback Credit Card, salaried individuals must have a minimum monthly income of ₹20,000, while self-employed applicants need an annual income of at least ₹5 lakh as per their ITR. Applicants must be either salaried or self-employed.

For the YES Prosperity Cashback Credit Card, applicants need to submit identity proof (like PAN or Aadhaar), address proof (like a passport or utility bill), and income proof (salary slips, Form 16, or bank statements). YES Bank may request additional documents based on internal policies.

You can apply for the YES Prosperity Cashback Credit Card online through the YES Bank website by filling out the application form and submitting the required documents. Alternatively, you can visit a YES Bank branch to apply in person. Upon approval, the card will be sent to your registered address.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

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