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  • Yes Prosperity Cashback Credit Card

  • We found 1 Yes Prosperity Cashback Credit Card
    1st Year Fee
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    The Prosperity Cashback Credit Card from Yes Bank is a simple credit 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.

    Yes Prosperity Cashback Credit Card Highlights

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

    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 for Yes Bank Prosperity Cashback Credit Card

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


    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.


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