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

    Highlights

    • Simple application procedure
    • Zero documentation
    • Each transaction is entitled to a cashback
    • 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.

    Documents required

    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

    Fee Type Amount (Rs.)
    First year fee (membership) Rs.1,500
    Renewal fee (membership) Rs.1,500

    Note: The fees mentioned in the table does not include taxes. All applicable taxes should be paid in addition to this amount.

    FAQs

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. What is the typical interest charged on this card?

      The interest ranges between 12 and 15% per annum.

    Other Top Credit Cards By Yes Bank

      

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    Credit Card Reviews

    • YES Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      Yes bank has not given me the expected credit limit when I was promised before buying this credit card . I am not received any promotional offers for this card . But the executive has given big hype about having and using this card . There will be huge credit limit and so many offers will be available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Charges can be reduced"
      0.5 4.0/5 "Great!"
      YES Bank is pretty good in the credit card services. The customer support and response is fine and there are no hassles in the process. I received the card on time and the credit limit is also good. There are annual charges for the card. It will get waived off if I use the card for 30k in a year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I recently applied for YES PROSPERITY EDGE, They have not charged me annual fee as it is life time free credit card, i am happy with the credit limit which they have given to me, it was good,the reason behind using this card is that i wanted to experience with bank credit card as so far i did not had experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Should be standard in the bank norms"
      0.5 4.0/5 "Great!"
      YES bank have changed the bank policy , I am not getting the reward points as they commitment. I spoke with the customer care they simply told its based on the bank policy. Within 15 days of time after getting the card, everything got changed. The credit limit is okay for me but the norms should be standard.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Very lesser credit limit and not usable reward points"
      0.5 3.0/5 "Satisfactory"
      In Yes bank they had given me a lesser credit limit of only 28 k . Which is very negligible comparing to my other card . When I purchased a new credit card , there were some reward points were added in my card which is not at all usable in the regular website . They have different vendor to use those reward point .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "My first credit card"
      0.5 4.5/5 "Excellent!"
      Yes bank is my first credit card and it is a life time free card . Now I have so many cards with me . yes bank has given a very little credit limit initially and now they provided a very decent credit limit . Yes bank have so many offers and discounts in online .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Not Satisfied with the service"
      0.5 1.0/5 "Really Bad"
      I had applied for a YES BANK CREDIT CARD & they had delivered a different card which i did not opt for. The credit limit with the card was very much less than expected which was only 20,000. It was a life time free card and since because i was not satisfied with the card i had canceled this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Credit limit should be upgraded"
      0.5 3.0/5 "Satisfactory"
      Yes bank gave me the only limit of Rs.20,000 I requested them to increase it again I send the pay slip and documents finally they increased to Rs. 50,000 but still its not upto the mark. I have YES bank Prosperity card it has the life time free benefits.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have applied for Yes Premia bank credit card, it was an add on card with they have offers me , the worst part i felt was that they have given me very less limit they have given me up to 50,000 which was very very less as per my expectation, the verification team blindly bulfing that i will be getting good limit or than 3,50,000 which was very disappointed, it is business card despite of that they have given very less limit, if they enhance my limit then i will continue this card or else i will be closing this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Credit limit should be enhanced"
      0.5 5.0/5 "Blown Away!"
      YES bank is good but I am very dis appointed with the credit limit is not upto the mark. They need to increase the limit. I got the credit card within fifteen days, the document procedure is very good to get the credit card and I got good support from the bank end.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Credit limit should be increased"
      0.5 4.0/5 "Great!"
      I got the good support from the YES bank at the time of approving the credit card. I never talk to the customer care but they are doing good job. The card accessibility is good, I can use it any where. Recently I used the card for fuel filling but the bank gave me only Rs.45,000 limit its not satisfactory.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for YES BANK PREMIA credit card recently, the reason behind choosing this bank was that i heard they use to give good service, but i am not satisfied with their credit limit like i expected more they have just given me 30,000 which was very less. I wanted to surrender this card, the process of getting card was simple and quick.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had selected the YES PROSPERITY REWARD PLUS CARD since it is a life time free card and i generally purchase online so that the card will be beneficial for me. The process in getting the vcard has been good and there was not been any delay in getting the card. I am not much happy with the credit limit with this card and the annual charges with this card will get waved off if i am using more than 30,000 from the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Very Good Service"
      0.5 3.5/5 "Pretty good"
      I had selected the YES PROSPERITY EDGE since the features with the card is pretty good. The process in getting this card has been really good and the card was delivered on time. The credit limit with the card is quite less than expected and it is a life time free card. I have started using the card for some few purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had selected the YES PROSPERITY REWARD PLUS CARD since it is a good card without any annual charges, the process in getting this card has been smooth and there was no problem in getting the card. The credit limit with the card is good and there is some good benefits & features with this card, i am yet to explore them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Normal credit card"
      0.5 4.0/5 "Great!"
      Everything was fine with the yes bank credit card and I am happy with the credit limit . They given the similar credit limit like my other cards . But the only thing , even after changing the Card Pin . I am not able to use in the Off line shopping . At the same time , I didn't contact the customer care people .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Communication should be clear and prompt"
      0.5 4.0/5 "Great!"
      I am very much fine with YES credit card interest rate is lesser than other banks. But initially they said I would get three times of salary as a limit but they gave me one month of salary limit. Finally they said will increase the limit after 6 months of transaction. It was not communicated earlier and to open the saving account again they called me, they did not inform about the deposit amount, finally they asked to deposit Rs.10,000 it was not up to the mark.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Highly disappointed with the credit limit"
      0.5 1.0/5 "Really Bad"
      Yes bank has given the very lesser credit limit of only 33 thousand. But while purchasing the card they said they will provide up to one lakh as a credit limit to me . This is completely miscommunication has happened to me . I am going to cancel this card very sooner .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • YES Bank Credit Card
      "Its a good credit card"
      0.5 5.0/5 "Blown Away!"
      yes bank is very good credit card . When I applied in online I got this card within ten days of time . It is life time free card and getting the notifications about the various offers in on line market . Even they have a provided a very good credit limit .
      Was this review helpful? 0
      , indore
      Reviewed on Apr 23, 2019
    • YES Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I had average experience with YES BANK credit card process. The credit limit is less which they need to increase the limit. There is no annual fee so far and am not sure about it. I have been using the card for lesser than a month. Its just a basic card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 23, 2019
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