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Federal BankThe YES Bank Prosperity Edge Card now rebranded and known as the Select Credit Card comes with exclusive rewards to provide its customers with a prosperous life as suggested by its name. It comes with exciting rewards & offers and many other benefits. Although the YES Select Card has advantages over various categories, it is best suited for people who are more interested in saving through reward points. With a joining fee of Rs. 399, it has some really great key features, such as exciting reward points, spend-based bonus offers, Joining & renewal fee waivers, complimentary travel benefits, fuel surcharge waivers, etc.
The joining fee you pay can be waived if you spend over Rs. 15,000 within 90 days of receiving your YES Select Credit Card. A spend-based renewal fee waiver is also provided to the cardholders according to which, the renewal fee will be waived on spending Rs. 75,000 or more in the previous year. This was just a glimpse of the card & its benefits; to know more, refer to the information given below:
YES Prosperity Edge/Select Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
8 Reward Points on every Rs. 200 spent online. 4 RPs spent offline and 2 RPs on select categories.
Reward Redemption
Reward Points redeemable for movie ticket bookings on YES Rewardz portal at a rate of 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings, and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
Travel
1 complimentary domestic lounge access per quarter.
Golf
4 complimentary rounds of green fees every year and 1 complimentary golf lesson each month.
Domestic Lounge Access
You get 1 complimentary domestic lounge access per calendar quarter subject to 2 visits per quarter.
International Lounge Access
You get complimentary international lounge access Priority Pass membership at a charge of USD 27 per person
Insurance Benefits
Purchase Protection is Provided
Zero Liability Protection
You get a protection liability cover in case of the fraudulent charges, if reported within a stipulated time
Spend Based Waiver
Joining fee waiver on spending Rs. 15,000 or more within 90 days after receiving the card and the renewal fee is waived off on a spend of Rs. 75,000 or more in the previous year.
Rewards Redemption Fee
Rs. 100 on every redemption request.
Rewards Redemption Fee
Rs. 100 on every redemption request.
Foreign Currency Markup
2.75% on all foreign currency spends
Interest Rates
3.8% per month
Fuel Surcharge
1% fuel surcharge waiver at all the fuel stations in India for all the transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charges
3.5% of the amount withdrawn
Add-on Card Fee
Nil
- 15,000 bonus points on spending Rs. 6 lakhs or more in an anniversary year
- 8 Reward Points on every Rs. 200 spent online.
- 2 Reward Points on every Rs. 200 spent on other categories such as insurance.
- The joining fee is waived on retail spends of over Rs. 15,000 within 90 days after receiving the card.
- The renewal fee is waived on spending over Rs. 75,000 on retail purchases in the previous year.
YES Bank Prosperity Edge/Select Credit Card Rewards
- You get 8 Reward Points on every Rs. 200 spent on online purchases (Capped at 5,000 per statement cycle).
- Earn 4 Reward Points on each spend of Rs. 200 made offline.
- 2 Reward Points on every Rs. 200 spent on other categories such as insurance, government, utility, education, recharge, wallet, and rental payments.
- No Reward Points shall be awarded for transactions on fuel, transactions that are converted to EMIs, and cash withdrawals.
Rewards Redemption
1 Reward point = Rs 0.10 for redemption against movies, bill payments, charity, golf, etc 1 Reward Point = Re. 0.25 for redemption against hotel/flight bookings The points can be redeemed through the dedicated website. YES Bank charges a reward redemption fee of Rs. 100.
YES Bank Prosperity Edge/Select Credit Card Features
Milestone Benefits
15,000 Reward Points as a bonus on spending Rs. 6 lakhs or more in one anniversary year.
Travel Benefits
The primary cardholders get 1 complimentary domestic lounge access every calendar quarter across over 30 lounges in India. You also get a complimentary priority pass membership. All the visits will be charged at USD 27+GST per person per visit.
Golf Benefits
You get 4 complimentary green fees per calendar year at selected golf courses in India.
Moreover, you get 1 complimentary golf lesson per calendar month.
Purchase Protection
With this card, you shall get purchase protection for mobile phones and electronics purchased online. You get covered for accidental damages for a period of 6 months.
Other Benefits
Other than all the benefits mentioned above, the YES Prosperity Edge credit card also provides you with various other exciting offers. You get 500 reward points on each successful YES PayNow registration.
Moreover, you can avail of great offers on travel, dining, shopping, etc in selected Indian cities. Along with being beneficial across various categories, the YES Prosperity Edge credit card is enabled with contactless technology and secured payments at all retail outlets.
Joining and Renewal Fee Waiver
The joining fee is waived on spending over Rs. 15,000 within 90 days after receiving the card. The renewal fee is waived on spending over Rs. 75,000 in the previous year.
Eligibility Criteria for Yes Bank Select Card
| Salaried Employees | Self-Employed Individuals | |
| Age | 21 Years to 60 Years | 21 Years to 60 Years |
| Income | Minimum Rs. 60,000 per month | Minimum Rs. 7,20,000 per annum (as per ITR) |
YES Bank Select Credit Card Review
The YES Bank Select Credit Card can be considered a good option for people who want a credit card with great reward programs and even more exciting benefits. If you are one of such people, you can go with the card as it gives you an amazing opportunity to save something on various categories of your purchases.
Not only this, but it also offers you travel & golf benefits, which can give you even more strong reasons to have this card if you love traveling and golf. But, the most important thing here is to understand your requirements and make decisions according to them because a good credit score is what really matters a lot. And you can maintain it best with a credit card that suits you best.
