Insurance cover to protect against unforeseen events
Yes Prosperity Cashback Plus Credit Card Overview
Saving money is hard in this current age of inflation and taxes. While some of us resort to not spending money, there are other ways to save, like using the Yes Prosperity Cashback Plus Credit Card. A card designed specifically to provide cashback on each spend, it is ideal for someone who loves to spend and save at the same time.
Benefits of Yes Prosperity Cashback Plus Credit Card
Some of the main benefits of this credit card are highlighted below:
Special interest rate – Individuals who opt for revolving credit are provided preferential interest rates.
Preferential markup on international currency – Cardholders are entitled to a special markup of 3.4% on international currency.
Cashback - Cardholders are eligible to earn cashback ranging between 0.75% and 5% on each retail spend.
Nil processing fee – Individuals can avail this card without paying any processing fee.
Features of Yes Prosperity Cashback Plus Credit Card
Some of the unique features of this card are highlighted below:
Flexible repayment options – Cardholders can choose to repay large amounts through EMIs, with the repayment tenure ranging between 3 months and 2 years.
Insurance cover – The primary cardholder is provided an insurance cover of Rs.1 lakh.
Fuel waiver – The surcharge on fuel spends is waived when one uses this card to fill petrol/diesel.
Security – The card uses modern technology to ensure that transactions are safe and secure.
Eligibility criteria for Yes Prosperity Cashback Plus Credit Card
Individuals will need to satisfy the following eligibility criteria in order to get the card.
Age – The minimum and maximum age requirement for this card are 21 years and 60 years respectively.
Income – An individual should have a minimum annual income of Rs.5.5 lakh in order to be eligible for this card.
Employment status – An applicant should have a job with a steady source of income. Individuals can either be self-employed or salaried.
Yes Bank follows a Zero Documentation policy for this card.
How to apply
Eligible individuals can apply for this card by visiting a Yes Bank branch or by logging onto their website. An online application can be submitted after filling certain basic information, with bank representatives informing an applicant about the status once completed.
Fees and other charges
First year fee (membership)
Renewal fee (membership)
Note: The fees mentioned in the table does not include taxes. All applicable taxes should be paid in addition to this amount.
Can I earn cashback when I use this credit card to purchase fuel?
No, this credit card does not provide any cashback on fuel purchases. All other spends are eligible to earn a cashback.
What is the preferential interest rate offered by Yes Bank on revolving credit?
The preferential interest rate stands at 2.40% per month for cardholders who have a Savings or Salary Account with Yes Bank. Individuals who do not have said account will be charged 3.22% per month.
Do I get any welcome benefit when I purchase this credit card?
Yes, new cardholders are entitled to a Welcome Cashback equivalent to Rs.250, provided they spend a minimum of Rs.2,500 in the first month.
What is the Instant EMI feature of this card?
The instant EMI feature enables cardholders to purchase expensive items and repay the amount in equated monthly instalments.
What is the typical interest charged on this card?
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I have Yes bank credit card which was taken through online .I am not sure about reward points .The credit limit was more than enough .There are movie ticket offers and discounts on shopping ,airport lounge access are there for domestic as well as international but i have used for domestic purpose.
From YES , they given a free credit card and also they given a less credit limit, need to increase the limit. Documentation was good, executive collected the documents. I am getting movie ticket offer which haven't tried. The Lounge benefits is also applicable.
I have applied Yes bank credit card through online, there is no specific reason to opt for it. The credit limit offered from bank is quite good around 1.6L. Customer support is easy to connect with executive and very response the issue get resolved on time. I am not getting much benefits in this card. I will close this card soon.
I have limit of Rs. 2.5 lakhs in my existing card but when i applied YES bank card , they said they will be providing my existing card limit but they have provided me only Rs. 30,000 due to this issue, I am planning to close this card. Since a life time free card so that i have selected this card.
I have chosen this credit card for zero joining fee and annual fee from YES bank but they have not provided much details about the card. Its a life time free credit card. For every Rs. 100 if I spent, i get 3 reward points. I have received the first month statement and its clear to understand.
I am happy with the credit limit which is decent one with YES bank. Overall I am happy with the services. I received the call twice from bank for EMI conversion but I am not interest in it. The annual charges will be waived on spend of specific amount.
YES bank is a life time free card and without informing to the customer, they will not take any charges. They have provided me a credit limit of Rs. 38000. I'm receiving rewards points any way i use this card on a emergency basis. I don't get any offers on Amazon and Flipkart. If they are giving more offers, it would be fine.
I have taken YES bank credit card through online and I am using this card more than a year. It is a life time free card, credit limit as of now 22k, if possible i can take more also. The customer service is really super and i applied directly through bank . I am getting all benefits like rewards, book my show,fuel wavier option.
I never called the customer care service of YES bank. So far I never missed any bill payment. In this card, I get a complementary lounge access in Airport so that I opted for this card. I get Quarterly 3 times for domestic and international to access the lounge facility in airport. There is no yearly charges for this card.
I have applied a YES credit card through online. Documentation process was very simple i did manually and i received this card within a week.This is a life time free card and i am happy with the credit limit.Customer service and response was good.
I have applied a credit card with YES bank through online. At initial they had committed wrong details about credit limit applicable of up to 3L, once all the verification done and received a card mentioned limit of only 61K. Regarding this issue raised a complaint to banker but not yet resolved. It is annual fee chargeable of 500 rupees but I can waiver off if I spend 50K within a year. They have given good offers to use in airport lounges.
Using YES bank for almost past 3 years. Compared to other credit cards, there is no much benefits. I'm using this card simply. They have given me a very less limit while i differentiate with other cards. There is no annual fee which is the main benefit of the card. I can convert my purchase into EMI. Its quite difficult to contact the customer care service for any kind of statement related queries.
I have applied YES credit card through online. Documentation process was very smooth and it was collected by the executive. I received this card within 10 days. Customer service and response was good. I am not sure about the annual fee and interest rate.
When i was searching for one more credit card for the medical purpose like in case of emergency so i took the card from YES BANK Since its a life time free credit card. I have not used the card totally till now but anyway I'm not happy about the limit of Rs. 35000 but they said i will get limit more than a lakh. I have not got any kind of welcome gift as well.
I have applied YES credit card though online This is a life time free card and i am very much happy with the credit limit Rs. 35,000. Documentation process was simple, executive collected the documents. Customer service and responsiveness was okay.
I opted for YES bank credit card as it is a life time free credit card and no joining fee. I applied through online and the process took more than 15 days. Bank offered with the limit of Rs.45K, which is not sufficient. EMI conversion and balance transfer options are available. Depends on the purchase, I use to get reward points.
I applied for YES BANK credit card through online on card to card basis. I had some issue with documentation, so it delayed to process the application. Credit limit offered from bank is too low, it need to be increased. I get 25% discount on book my show on all booking. It is a life time free credit card.
I applied for YES BANK credit card through online and received the card with in 15 days. I have a credit limit around 1.6L which is sufficient as of now. It is a life time free credit card. I have not received any acknowledgement call or notification from bank for further usage.
There is no joining fee and there is no annual fee thats the reason i have chosen YES bank credit card and i can use the card everywhere. They have given me a credit limit of Rs. 45000 which is less when i asked them to increased the same they said that based on my usage they will increase in future. They have informed me about so many benefits like i get a airport launch access in domestic airport and reward points, cashback which i need to check.
I required a different card from different bank and this was fulfilled by YES bank credit card. Its a free of cost and there is no need to pay any annual charges. Till now i have not used the card much and i have done only one transaction so far. They have given me a credit limit of Rs. 50000. I got a message on my registered number and mail id regarding the statement.