By Divya Shokeen
Updated On September 20, 2021

YES BANK Prosperity Rewards credit card is a card that rewards you on every penny spent. This card provides a great value of money by charging you with a minimal annual fee while you earn up to 2 reward points on every Rs 200/- spent except select categories and 1 reward point on every Rs 200 spent on select categories. These reward points can be redeemed at the YesRewardz portal product catalog and can also be redeemed against Air Miles. You can earn 10,000 bonus rewards points on annual spending of Rs 1.8 lac or more in the anniversary year. Read below to know about this credit card.

Best Suited For

Shopping |

Joining Fee

Rs 299 plus applicable taxes

Reward Type

Reward Points |

Product Details

  • 10,000 reward points on annual spending of Rs 1,80,000 or more in the anniversary year
  • 2 Reward Points on every Rs 200 spent on all categories other than select categories
  • Annual fee of Rs 299 plus applicable taxes
  • 1 Reward Point for every INR 200 on Select categories
  • 10 Reward Points = 1 Air Mile (1 InterMile or 1 Club Vistara)
  • Annual fee waiver on annual spend of Rs 50,000/ using your credit card
  • 1% surcharge waiver on fuel transactions across all fuel stations

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

NA

Rewards Rate

2 Reward Points on every Rs 200 spent on all categories other than select categories
1 Reward Point for every INR 200 on Select categories

Reward Redemption

You can redeem your reward points from the product catalog at the YESREWARDZ portal. These reward points can also be redeemed for Air miles. You can use 10 Reward Points to redeem 1 InterMile or 1 Club Vistara. 1 RP = Rs. 0.10 (e-vouchers, recharges, movies and more). RP 1 = Rs. 0.25 for hotel and flight booking.

Travel

NA

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

The protection is provided to the cardholder in case of any fraudulent charges if reported within the stipulated time period

Fees & Charges

Joining Fee

Rs 299 plus applicable taxes

Renewal Fee

Rs 299 plus applicable taxes

Spend based Waiver

Annual fee waiver on spend of Rs 5000/- within first 90 days of the card issuance.  On annual spend of Rs 50,000/- get the annual fee waived off

Rewards Redemption Fee

Rs 100 per redemption request

Rewards Redemption Fee

Rs 100 per redemption request

Foreign Currency Markup

3.40 % of the conversion rate

Interest Rates

3.5% per month (40.2% per annum)

Fuel Surcharge

1% surcharge waiver on fuel transactions across all fuel stations for transactions between Rs 400 to Rs 5000/

Cash Advance Charge

2.5% of the transaction amount subject to a minimum charge of Rs 300.

Add-on Card Fee

Nil

YES BANK Prosperity Rewards Milestone Benefits

With YES BANK Prosperity reward credit card, you can earn 10,000 reward points on annual spending of Rs 1,80,000 or more in the anniversary year

Reward Points

  • You earn 2 Reward Points on every Rs 200 spent on all categories other than select categories.
  • You can 1 Reward Point for every INR 200 on Select categories.
  • Get 500 Reward Points on each YES PayNow registration.
  • You get an accelerated reward point on select transactions on YESCART
  • You can also avail  great offers across travel, dining, shopping, wellness and more, in select cities

Reward Redemption:

  • You can redeem your reward points from the product catalog at the YESREWARDZ portal.
  • These reward points can also be redeemed for Air miles. You can use 10 Reward Points to redeem 1 InterMile or 1 Club Vistara.
  • For hotel and flight bookings 1 reward point value is equivalent to Rs. 0.25.
  • For redeeming reward points against shopping, e-vouchers, movies, recharges, etc. 1 reward point value is equivalent to Rs. 0.10.

Spend Based Waiver

  • Joining fee waived on spend of Rs 5,000 within first 90 days of the card issuance.
  • On annual spend of Rs 50,000/- get the annual fee waived off for the subsequent year.

Fuel Surcharge Waiver

You get a 1% surcharge waiver on fuel transactions across all fuel stations in India for transactions between Rs 400 to Rs 5000/-

Instant EMI

Get access to an instant loan from your Yes bank credit card by converting it into an EMI. Transaction up to Rs 2500/-  can be converted into an EMI. You can earn reward points transactions converted into an EMI.

Features Instant EMI option

  • No documentation required
  • Zero Processing fee charged on conversion
  • Interest rates ranging from 12% pa to 15%pa
  • Repayment period of 3 months to 24 months
  • Minimum Transaction amount Rs 2500

Eligibility Criteria

Salaried Employees Self-Employed Individuals
Age 21 Years - 60 Years 21 Years - 70 Years
Income Minimum Rs. 3,00,000 per annum Minimum Rs. 5,00,000 per annum (as per ITR)

Conclusion

YES BANK Prosperity Rewards credit card is an entry-level card that offers you a decent reward rate on your net spends. The card provides you decent redemption option on its reward portal YESREWARDZ and these reward point accumulated can also be redeemed against Air Miles ( 10 Reward Points = 1 Inter Miles/ 1 Club Vistara).  You also get accelerated reward points on the select transactions with YESCART and can also avail the special offers on travel, dining, shopping, wellness and more, in select cities with YES Privileges. What do you think about this card? Do let us know about this card in the comment section below.

FAQs:

10 Reward Points = 1 Air Miles (1 Inter Miles/ 1 Club Vistara)

Yes, you get an annual fee waiver on spend of Rs 5000/- in first 90 days of card issuance

Annual fee charged on this YES Bank Prosperity Reward Rs 299/- plus applicable taxes

You can redeem your reward points at the YESREWARDZ portal from the exclusive product catalog.

YES BANK Prosperity Rewards credit card comes with an interest rate of 3.5 per month (40.2% per annum)

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