YES Prosperity Rewards Credit Card

Yes, a BANK Prosperity Rewards credit card is a card that rewards you for every penny spent. This card provides great value for money by charging you a minimal annual fee. At the same time, you earn up to 2 reward points on every ₹200/- spent except on select categories and 1 reward point on every ₹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. Read below to learn about this credit card.

Product Details

• Annual fee of ₹499 plus applicable taxes
• 2 Reward Points for every ₹200 spent on all categories other than select categories
• 1 Reward Point for every ₹200 on Select categories
• 4 Reward Points for every ₹200 spent on dining and travel
• Annual fee waiver on annual spending of ₹1 lakh
• 1% surcharge waiver on fuel transactions across all fuel stations

Milestone Benefits

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

YES BANK Prosperity Rewards

• You earn 2 Reward Points on every ₹200 spent on all categories other than select categories.
• You earn 1 Reward Point for every ₹200 in select categories.
• You earn 4 Reward Points per ₹200 spent on dining and travel, capped at 750 RPs monthly.
• 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 ₹0.25.
• For redeeming reward points against shopping, e-vouchers, movies, recharges, etc., 1 reward point value equals ₹0.10.

Spend Based Waiver

• The joining fee is waived for spending ₹10,000 within the first 30 days of the card issuance.
• On an annual spend of ₹1 lakh, get the annual fee waived 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 ₹400 to ₹5000.

Instant EMI

Access an instant loan from your Yes bank credit card by converting it into an EMI. Transactions up to ₹2500 can be converted into an EMI. You can earn reward points transactions converted into an EMI.

Features Instant EMI option

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

Eligibility Criteria

Conclusion

The YES BANK Prosperity Rewards credit card is one of the basic YES Bank Credit Cards that offers a decent reward rate on net spends. The card provides a decent redemption option on its reward portal, YES Rewardz, and the reward points accumulated can also be redeemed against Air Miles (10 Reward Points = 1 Inter Miles/1 Club Vistara). You also get accelerated reward points on select transactions with YESCART and can avail of 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 in the comments section below.