Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Yes Prosperity Cashback Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Yes Prosperity Cashback Credit Card

    Highlights

    • Nil processing fee
    • Flexible repayment options
    • No documentation
    • Cashback on each retail spend

    Yes Prosperity Cashback Credit Card Overview

    The Prosperity Cashback Credit Card from Yes Bank is a simple card which offers a range of benefits to cardholders. Affordable and easy to use, it ensures that one saves money each time this card is used. A simple application process coupled with a zero documentation policy make this a card which can be yours without any hassle.

    Benefits of Yes Prosperity Cashback Credit Card

    Some of the major benefits of owning this credit card are:

    • Cashback – Cardholders are entitled to a cashback ranging between 0.75 and 5% of the amount spent, depending on where they use this card. This is in addition to the Welcome Cashback.
    • Revolving credit preferential rate – Cardholders who opt for revolving credit are eligible to special interest rates, ranging from 2.4% per month to 3.22% per month.
    • Foreign currency markup – A special markup of 3.4% on international currency is provided.
    • Fuel waiver – The surcharge on fuel is waived when cardholders use this card at petrol stations across the country.

    Features of Yes Prosperity Cashback Credit Card

    Some of the defining features of Yes Prosperity Cashback Credit Card are:

    • Safety – All transactions done using this card are safe and secure, thanks to MasterCard’s SecureCode.
    • Flexible repayment tenures – Expensive purchases can be repaid by EMIs, with the period ranging between 3 months and 2 years.
    • Competitive interest rates – The interest rate ranges between 12% p.a. and 15% p.a.
    • Processing fee – Yes Bank does not charge any processing fee for this credit card.

    Eligibility criteria for Yes Prosperity Cashback Credit Card

    Interested applicants are expected to satisfy these basic criteria:

    • An applicant should earn a minimum of Rs.5.5 lakh per year.
    • An applicant should be at least 21 years old. The upper age limit is 60 years.
    • An applicant should either be salaried or self-employed.

    Documents required

    Individuals need not worry about the documentation, for Yes Bank follows a Zero Documentation Policy for this credit card.

    How to apply

    Eligible individuals can apply through the official website of Yes Bank. They can also visit a local branch of the bank and complete necessary formalities.

    Fees and other charges

    Fee Type Amount (Rs.)
    First year fee (membership) Rs.1,000
    Renewal fee (membership) Rs.1,000

    FAQs

    1. Is the fee inclusive of taxes?

      No, the fee mentioned here is exclusive of taxes. Cardholders will be expected to pay the applicable taxes each year.

    2. Does this credit card earn cashback each time it is used?

      Cardholders will earn a cashback on all retail spends, except when they use the card to pay for fuel. Cashback is highest for movie tickets, bill payments, and grocery shopping.

    3. What is the preferential markup on foreign currency?

      The preferential markup on foreign currency is currently 3.4%.

    4. Is there a maximum limit on the fuel surcharge waiver?

      Yes, cardholders can avail fuel surcharge waivers upto a maximum of Rs.125 in a statement cycle.

    5. Is there a minimum spend limit set in place in order to earn cashback?

      Yes, a cardholder needs to spend a minimum of Rs.500 in order to be eligible for the 5% cashback.

    Other Top Credit Cards By Yes Bank

    Credit Card Reviews

    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      My initial process was good in YES bank for the credit card, the bank executive came to my place and took the papers and they send the card within 15 days. The credit limit is satisfactory as per my requirement. Since its a new card, its a life time free credit card its a best thing.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last two months, i am satisfied with the credit limit with the card and i am yet to explore the benefits and features with this card. I am not sure whether there is any annual charges with this card and i am yet to use this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • YES Bank Credit Card
      "Limit needs an enhancement"
      0.5 4.0/5 "Great!"
      The credit limit offered by YES Bank is very less. I got a limit of 30K and I also informed the bank to take back the credit card. Though it is a corporate account, the bank has not been providing a decent limit to all who have taken the card. I would not recommend the bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I do have YES bank credit card, we can reach their customer bay immediately, they do have particular emi option, cash back and other benefits but still they make the changes based on the customer requirement. The limit of the card is very satisfactory as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The overall process in getting this card has been pretty good and it was delivered to me by the promised time. I am satisfied with the credit limit with this card and there has been some good benefits with this card which they had explained to me. It is a life time free card as well.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 20, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen with this card since it was offering an Airport lounge access, and the process in getting this card was quite simple and it was delivered to me on time. I am happy with the credit limit with this card and they had explained me with the benefits and features with the card where it is a free card.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 20, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding YES BANK credit card . I do most of the transaction with this Card and never had any issues. . Have cash-back and rewards. Well every card has an advantage and disadvantage. Wish this card go good in terms of services. I am holding this card for past few months .
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 19, 2019
    • YES Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      Reason for applying YES BANK credit card was its features and benefits. As of now the limit provided is fine but going ahead if the limit is increased it will be great. I have started using it and its working fine. I do get rewards points. Overall the experience is good .
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 19, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Last five years I got yes bank credit card this is life time free card and reward point offer in this card . I am satisfied with this credit limit and their customer service provided is good and response at a time I am happy with yes credit card bank ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 19, 2019
    • YES Bank Credit Card
      "Avrage"
      0.5 3.5/5 "Pretty good"
      I got yes bank credit card this is life time free card and reward point offer in this card . I am satisfied with this credit limit and their customer service provided is good and response at a time after approval within ten days taken time I cant give comment because I did use this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • YES Bank Credit Card
      "Looking for better credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold YES BANK PROSPERITY credit card from one year. The card is better and service is also good but they are not providing better limit and requesting for IT submitted files. The executive was very helpful and supportive. There is no annual fee. The benefits are very good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have been holding the credit card with the YES BANK the credit limit with this card is good also the card has the good offers. There is no issues with the billing with this card also it is user friendly card to use. The offers with this card is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2019
    • YES Bank Credit Card
      "GOOD CARD TO USE"
      0.5 4.0/5 "Great!"
      There is no particular reason for taking the YES PROSPERITY REWARD PLUS CARD, the credit limit with this card is good but expecting for hike with this card also the documentation process was simple and i got the card within 10days, it is a free card also it has a offers of rewards points.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Mar 18, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been recently applied for Yes bank credit card .They have charged me annual fee or not ,i have no idea,i need to check it,The credit limit which they have given me was good,i am happy with the credit limit, the reason for choosing this card is for offers,the process went smooth, the card was on time.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 17, 2019
    • YES Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      When I applied for the card through online, I got Yes bank credit card offer, hence I gone with this card. The process was good, the documents submitted on time, I got the card with pin number, but the credit limit is less around Rs. 50,000 it should be increased.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Mar 17, 2019
    • YES Bank Credit Card
      "Good Credit Card to Use"
      0.5 4.5/5 "Excellent!"
      Through online my credit card got activated without any hassle, last 20 days back I got the card. The accessibility of the card is good. The credit limit is good, they are sending the alert and other notification on time. The card which I am holding from Yes bank its a life time free card.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      Yes bank credit card is good and have been using it for one year. The credit limit was good and annual charges are zero. I use this card for multi purpose. There was no benefits on this card. They need to improve the customer service. I don't know about the interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Last eight month I got yes bank credit card this is life time free card and reward point offer available in this card . I am satisfied with this credit limit and their customer service provided is good and response at a time I am happy with yes bank ,
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average card "
      0.5 2.0/5 "Expected more"
      I hold YES BANK credit card . I am holding this card for past 15 days . They offered very low credit limit with this card . I have another card as well and there i got good limit . Initially they said they will give more limit but they have not and also I did not get any offers based on this credit card.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average card "
      0.5 2.0/5 "Expected more"
      I hold YES BANK credit card . I am holding this card for past 15 days . They offered very low credit limit with this card . I have another card as well and there i got good limit . Initially they said they will give more limit but they have not and i did not get any offers in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
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