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.
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
First year fee (membership)
Renewal fee (membership)
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.
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.
What is the preferential markup on foreign currency?
The preferential markup on foreign currency is currently 3.4%.
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.
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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I have received my YES PROSPERITY EDGE from Yes Bank. Credit limit is good and there is no annual fee.Yes bank customer service was good, I had received the card on time. The features of the card are great. I am getting reward points and cashback offer.
Reason to select this YES Prosperity card has an option to earn more points based on the spend, they gave me Rs. 35,000 as limit its fine for me. It has life time free benefits but I am not getting any offers at e commerce sites like amazon, flipkart.
I have taken a credit card with YES bank with low credit limit of 22 thousands only but I was expecting for more than a lakh. Which was processed through an online on a month before. I use this card for hotel purposes. There is no option for a lounges service.
There are few things made me to chose this Yes bank card like it has life time free card and they provide reward points, based on the spends I do get airport lounge facility for International and domestic purpose. The credit limit is also satisfactory, the due date falls on convenient date.
I had applied for a credit card with YES bank on 2 months before which was processed through an online. The process was done on smooth but to get a call from bank was too delay process then submitted the documents and then received the card after 20 days. It is a life time free card. I am yet to use it.
I had applied for YES PREMIA credit card from Yes Bank. They have given sufficient credit limit, I am happy with the credit limit. I had received the card on time and annual fee is not chargeable. I am getting messages after every transaction.
Yes Bank mobile application is very good where I can see my usage on my transactions but if I do the payment it takes 3 days to update and reflect on my credit card, it took 5 days approve my credit card, credit limit of the card is good, credit card charges are applicable but if we do more transaction then the annual fee charges is waved off.
I had applied for YES PROSPERITY REWARD PLUS CREDIT CARD it was been delivered in 10 days, card limit is excellent, EMI options are available, annual fee is zero, customer service is available 24/7 days, ATM service is available if I want to withdraw cash on my credit card.
I had applied for YES PROSPERITY REWARD PLUS CREDIT CARD where the card got approved and customer service is good, credit limit is nominal, EMI options are available, annual fee is zero, offers are very good and also rewards points offers are good.
I have applied for YES bank credit card for more than a month which was processed through an online. It is a life time free credit which was given from bank. The process was delay for 2 days. The credit limit is too low of only 30 thousands which was not as per my requirement. I use this card for shopping purpose.
I had applied for YES PROSPERITY EDGE credit card where it took 20 days to approve and the credit limit is good, EMI options are available, annual free charges is zero, card has good cash back and reward points offers, PIN number was easy to generate.
For YES bank credit card applied through an online on a month before. The credit limit is sufficient and it was a life time free credit card. EMI option applicable. I use for fuel , restaurants , utility bill payment. They have given one benefits to add a member to pay for a rent in net banking. Based on the usage I get reward points.
I had applied for YES PROSPERITY REWARD PLUS CARD it was been approved in 7 days, credit limit of the card is nominal, EMI options are very less compare to my other credit cards, PIN number was easy to generate,I am getting my credit card statement on time.
I have used YES BANK credit card and am facing a problem with the payment mode. I am having a saving account with Citi Bank and there is no option showing for this bank card. I have paid the amount by colleague card and gonna reach the customer support for this issue. Initial experience was good in taking the card. The credit limit is 30K which is sufficient.
Through an online I have applied for a credit card with YES bank for more than a month. It is a life time free credit card and the credit limit is sufficient. Since it is a life time free credit card I have chosen for it.I use for shopping, grocery and while going outing with my friends.
I have received my YES PROSPERITY REWARD PLUS CARD. They told me that it is a lifetime free credit card. Credit limit is sufficient for me. I had received the card on time. I have started using the card and I am receiving message on time after transaction.
I have Yes Bank credit card which was applied through Online .I have got this credit card on exact time and got all the details about the card process through the agent.The credit limit was very less and not sufficient .This was a free card and there are good reward points as well as cash back offers.This was a life time free card and good to use .
I have minimum a credit limit of above 3L to 4L but YES BANK is given me only 30K. I have been doing more expenditure which is not suitable for my profile. It is a life time free card. I got YES First preferred card and there are few normal benefits. They came and collected the documents.
I have recently taken YES BANK Prosperity Edge card. The reason for getting the card is its life time free. The credit limit is less. I have not used the card yet and will be using it soon. The application is good. Actually they are provided me one benefit, if I pay my electricity bill through this card and will be getting 250 points every month.
I have applied for Yes bank credit card which was applied through Online.I have not taken this credit card since there was no response and follow up from Bank end .I have got all the required details about the card process. There was no difficulties faced when applied for this card .