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  • 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
      "Very good card"
      0.5 4.0/5 "Great!"
      I am using YES bank credit card from last 2 years, the credit card services are good when compared to other cards. There was no annual fee charged for this credit card. Credit limit is fine in this credit card and offers like cash back are good in this card.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "Need to reduce charges"
      0.5 2.0/5 "Expected more"
      I am having a credit card with YES bank from last 1.5 years, there was no annual fee charged for this credit card. I am getting only reward points on this credit card and no other offers. Credit limit is fine in this card and the services are not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit limit is satisfactory from this bank where i have been using the credit card with the YES BANK. They have provided the EMI conversion option with this card but they have offered with none of the offers from this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "Fees are high"
      0.5 3.0/5 "Satisfactory"
      They are charging more than Rs. 18000 whatever the feasible amount. I have started using the yes bank credit card nearly a year. They have provided me a credit limit of Rs. 40000 and I'm not at all happy about it. They have not even done a credit limit enhancement. There is no annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 03, 2018
    • YES Bank Credit Card
      "Improvement needed on services"
      0.5 1.0/5 "Really Bad"
      I used the services earlier for YES Bank. I had a credit card with them and though I have other cards with more than 1.5 Lakh, they have offered me a limit of only one lakh. I contacted the customer care and I was told to wait for a month or two to enhance the limit. I waited and the limit was not increased. So I cancelled the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 03, 2018
    • YES Bank Credit Card
      "Need to improved the offers. "
      0.5 4.0/5 "Great!"
      They don't have much offers on yes bank. I have got a satisfied credit limit on yes bank. I made a single transaction with a amount of Rs. 75000. I have purchased this credit card less than 2 years ago. They should have more offers on other website. The customer care service has to be improved.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • YES Bank Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      Its a free card there is no charges on yearly basis, I received the top most card that they have with all facilities. The customer support people are reachable. I am getting 9.9% of interest lower than other personal loan. Yes bank is good in interest rate.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 01, 2018
    • YES Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I am satisfied with the credit card where i haev taken it through the YES BANK because the card is user friendly to access. I have started using this card recently so i have not experience completely with this card. The credit limit is satisfactory with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 30, 2018
    • YES Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      Yes Bank credit card is accessible in all the shops and am using the card for 2.5 years. The offers are not that much great. I am getting only the reward points on every transactions. Still I have not redeem the points. If I purchase 20 or 30K then annual fee will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 29, 2018
    • YES Bank Credit Card
      "Bad experience"
      0.5 1.0/5 "Really Bad"
      I have been holding YES bank credit card, there service is not up to the mark , like they have provided me too low credit limit ,i was no use for me and they have not charged me annual fee , i had applied this card first they had canceled by stating that in my home no one was there to collect credit card but that in next to impossible because everything every one use to live in my home and even they have deliver in office and they said that even that was close so they created fake report and after 15-20 days they gave me credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding YES bank credit card for long time, they have not charged me annual fee in this card and i am happy with my credit limit which they have provided in this card and there service is good, they provide good discount and offers in maximum products.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had provided so far was good. But the credit limit which they had given has been less, there has been some good benefits in holding this card and it has been a life time free card.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have been using with the YES BANK credit card as i am using this card from past few months as the service is good with this bank. They have offered with the good credit limit it is satisfactory. I am getting the good offers also with this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I like the Yes Bank credit card very much. They are giving good offers and reward points to the customers. The customer service and response is equally good. Its a YES PREFERRED CARD and am using it for almost 2 years. The credit limit is sufficient. There are no annual charges.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I like the Yes bank credit card, its customer friendly. My card is a life time free. The credit limit is not sufficient and I am the one requested them to give low limit and using the card for 4 years. I am using the card for multi purpose, whenever I use in e-commerce sites or apps, it will add reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      have been using YES bank credit card for long time my experience till now with this bank was good, they provide me good offers in on line as well as in movie tickets and much more and they don't charged any annual fee yet,and there customer support team and there responsive is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with YES BANK , i am holding this card for past 1 year . They offered YES BANK FIRST PREVILAGE Credit card . The process was good i receive the card on time . There is no annul fee at the time of getting the card . So far it has been good experience .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had been recently started using this card and the services whcih they had provided so far was good. The credit limit which they had given with the card has been less but it has been a life time free card and i have started using the card for my purchases.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a Yes bank Credit Card and the rewards pints are horrible here. They don't give offers on Book my show App and even the points redeem option is not good here. Limit given is also less , it is less than my salary. Its been one year with Yes Bank and I am not satisfied.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 26, 2018
    • YES Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using YES bank credit card from last 6 months, there was no annual fee charged for this credit card. I get good offers like reward points on this credit card and the value is also good. Net banking is easy to make payments and the credit limit is less in this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 26, 2018
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