By Bharti Bisht
Updated On September 10, 2021

The YES Prosperity Rewards Plus Credit Card aims to add a touch of glamour to the lifestyles of its customers with all its benefits and exclusive offers. The card comes with a nominal joining fee of Rs. 499, and gives you several exciting rewards & offers. You get 4 Reward Points on every retail spend of Rs. 200, and for other spendings like tax payments and utilities, you get 2 Reward Points per Rs. 200. The card also gives you an opportunity to get your joining and renewal fee waived off on the basis of your spends. On spending Rs. 3.6 lakhs or more in an anniversary year, you get 12,000 bonus Reward Points. You can get accelerated Reward Points on making purchases through the YES cart. These Reward Points can be redeemed against various categories, including travel, dining, shopping, InterMiles, Club Vistara Points, etc through the YesRewardz portal. With this card, you can also avail of great offers on travel, dining, shopping, etc through YesPrivileges. Not only this but the YES Prosperity Rewards Plus Credit Card has various advantages. To know all of them, keep reading the details given below:

Best Suited For

Shopping |

Joining Fee

Rs. 499

Reward Type

Reward Points |

Product Details

  • Get 4 Reward Points on every Rs. 200 spent on retail purchases.
  • 2 Reward Points on every Rs. 200 spent on utilities, bus lines, tax payments.
  • 500 Reward Points on each successful registration on YES PayNow.
  • Accelerated Reward Points on selected purchases done through YES cart.
  • Get 12,000 bonus Reward Points on spending Rs. 3.6 lakhs or more in the previous year.
  • Spend-based waiver of joining and renewal fee.
  • You can avail of great offers on dining, shopping, travel, wellness, etc.

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

NA

Rewards Rate

4 Reward Points on every retail spend of Rs. 200. 2 Reward Points on every Rs. 100 spent on tax payments, utilities, postal services, etc.

Reward Redemption

1 RP = Re. 0.25 for redemption against flight/hotel bookings and 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.

Travel

NA

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

In case of the accidental death of the primary cardholder, a credit shield cover is provided.

Zero Liability Protection

The cardholder will not be liable for any fraudulent transactions made on the card once the card is reported lost/stolen to the bank.

Fees & Charges

Joining Fee

Rs. 499

Renewal Fee

Rs. 499

Spend based Waiver

Joining fee waived off on spending Rs. 10,000 or more within 90 days of card set-up date and renewal fee waived off on spending Rs. 50,000 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

3.40% only

Interest Rates

3.5% per month

Fuel Surcharge

1% fuel surcharge is waived off across all fuel stations in India.

Cash Advance Charge

2.5% or Rs. 300 (whichever is higher)

Add-on Card Fee

Nil

YES Prosperity Rewards Plus Credit Card Rewards:

  • You earn 4 Reward Points on every Rs. 200 you spend on retail purchases.
  • Earn 2 Reward Points on every transaction of Rs. 200 for utilities, bus lines, postal services, tax payments, etc.
  • Get 500 Reward Points on each successful YES PayNow registration.

Rewards Redemption

  • The Reward Points you earn can be redeemed against various products available on YesRewardz.
  • Here, 1 Reward Point = Rs. 0.25 for redemption against flight/hotel bookings.
  • 1 Reward Point = Re. 0.10 for redemption against gift vouchers, product catalogue, etc.
  • For redemption against InterMiles, 10 Reward Points = 1 InterMile.
  • For redemption against Club Vistara Points, 10 Reward Points = 1 Club Vistara Point.

Milestone Benefits

Spend over Rs. 3.6 lakhs in an anniversary year and get 12,000 bonus Reward Points every year.

Insurance Benefits

A credit shield cover is provided in case of the accidental death of the primary cardholder.

Fuel Surcharge

The 1% fuel surcharge is waived off at all fuel stations in India for a minimum transaction of Rs. 400 & a maximum transaction of Rs. 5,000. You can get a maximum benefit of Rs. 125 in a month through the fuel surcharge waiver.

Joining and Renewal Fee Waiver

  • The joining fee is waived off if you spend Rs. 10,000 or more within the first 90 days after receiving your card.
  • The renewal fee is waived off on spending Rs. 50,000 or more in an anniversary year.

Eligibility Criteria

  • The age of the applicant should be minimum of 21 years and maximum of 60 years.
  • Applicant should be either self-employed or salaried.
  • The minimum net salary to be eligible for this card is Rs. 35,000 per month or an Income Tax return of over Rs. 5 lakhs.

How To Apply?

You can apply for the YES Prosperity Rewards Plus Credit Card easily through net banking or you can visit the nearest YEs Bank branch. For net banking, go to yesbank.in, and click on the option ‘Apply for a credit card.’ Choose the card you want to apply for, and fill in all the required details.

Customer Care

You can contact the 24*7 customer helpline in the following ways:

  • The toll-free number for Mobiles or Landlines in India – 1800 103 1212.
  • When calling from outside of India, you can connect to customer care through +91 22 4935 0000.
  • Email I’d – [email protected]

Conclusion

The YES Prosperity Rewards Plus credit card is a great card choice, especially for those who are aiming to save more on their spends. The card not only provides its customers with exclusive reward offers but also provides them with an opportunity to get their joining & renewal fee waived off. Moreover, the Reward Points you earn can be redeemed easily against various products/categories. Therefore, you can save a lot in the form of Reward Points with this card and then use them for several purposes. You also get great offers on dining, travel, shopping, etc through YesPrivileges, which is again a significant feature of the card. So, if you want to save along with having great lifestyle benefits, you should go with the YES Prosperity Rewards Plus Credit Card.

FAQs:

Yes, you can redeem your Reward Points against InterMiles at a rate of 10 Reward Points = 1 InterMile.

Yes, you get 2 Reward Points on every Rs. 200 you spend on tax payments, postal services, and government services.

Yes, you can get your joining fee waived off if you spend over Rs. 10,000 within the first 90 days after receiving your YES Prosperity Rewards Plus Credit Card.

The maximum eligible age to apply for the YES Prosperity Rewards Plus Credit Card is 60 years.

The Reward Redemption fee on this card is Rs. 100 per redemption request.

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