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  • Yes Prosperity Cashback Plus Credit Card

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  • 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
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was applied through Bank.I am using this credit card for the past 3 months ,This was a free card and i have got this credit card on time ,The credit limit was really good and it was sufficient as well .I have not yet faced any difficulties on submitting the documents .
      Was this review helpful? 3
      , faridabad
      Reviewed on Oct 14, 2019
    • YES Bank
      YES Bank Credit Card
      "Worthable offers"
      0.5 2.0/5 "Expected more"
      Customer care people should know the limit what they are offering to the customer in YES bank, I got the promotional call from YES bank for offering the credit card. At the time of sales, they said i will be receiving a limit of Rs. 2 lakhs but they gave me only Rs. 20000 so i have denied the card.
      Was this review helpful? 3
      , tirupati
      Reviewed on Oct 13, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was directly taken through Bank.I am using this credit card for the past 6 months,This was a free card and the credit limit was really sufficient .I have got good reward points as well as cash back offers .I am really satisfied with the service .
      Was this review helpful? 4
      , thane
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I got offer call from yes bank and they provided me a prosperity rewards plus card. I got limit of Rs. 30K which is enough for me. There is no annual fee deducted for this card since its a life time free credit card. I am getting a rewards points on my purchase but i don't receive any special offers.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have been using YES bank credit card for more than a year which was applied directly to bank. There is no fee chargeable. Since I am holding an account they provided a card. To complete KYC provided some required documents, the limit was okay, EMI option is applicable and charges are nominal.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I am using Yes Bank credit card which was taken through Bank directly .I have got this credit card very easily ,I have got all the updates about the credit card through the agent ,I am using this credit card for the past 6 months only.This was a free card ,The credit limit was very good and it was upto 30,000,There are good cash back offers and reward points .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      The credit limit is very low in YES BANK credit card and they have informed me that will be increased in 6months period but I did not get any call from the executive later. The best thing is its a life time free card. The reward points are applicable and need to check the cash back offer.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 10, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      8 months ago, i got the credit card from YES bank since i got an offer, i applied for this card. I have been using this card only for buying petrol and provisions. They have given me a limit of Rs. 25000. They said that my annual fee will be waived if i do certain limit on a monthly basis. I received the card on time.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      Actually YES BANK has taken long time to give me a credit card. The credit limit is okay. The reason for taking the card is for making credit card bill payments. I got a welcome letter and name of the card is YES PROSPERITY EDGE without annual fee and there was no joining fee as well.
      Was this review helpful? 2
      , kolkata
      Reviewed on Oct 08, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied a YES PROSPERITY REWARD PLUS CARD. Credit limit is sufficient . It is a lifetime free card. Yes Bank customer service is very good and they are very helpful. I received the card on time. I have started using the card and getting good offers.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Oct 06, 2019
    • YES Bank Credit Card
      "Fabulous"
      0.5 4.0/5 "Great!"
      I had applied a YES PROSPERITY REWARD PLUS CARD online. I had received the on time. They have given sufficient credit limit and there is no annual fee. I have started using the card and there is reward points and cashback offers. customer service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 06, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I holding Yes Bank card where there is good credit limit, EMI options are available with nominal rate of interest but card offers are very less, annual fee is chargeable, my card was been approved very quickly, PIN number was easy to generate.
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 1.0/5 "Really Bad"
      I am holding YES bank credit card for more than 1 year which was processed through bank directly. It is a life time free credit card but the credit limit which was given for very low of 20 thousands only. There is no proper response from customer service end. I use this card for shopping and fuel purposes.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Okay card"
      0.5 5.0/5 "Blown Away!"
      The offers came from the yes bank hence i have chosen the same. Definitely I'm satisfied with the credit limit and i have used the card a lot and they have charged me a too much of interest rate. I've no idea about the EMI conversion charges. Its a life time free credit card. This is my first credit card which is useful on emergency time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold a YES bank credit card for more than a month which was processed through online. It is a life time free credit card. I received a card within 20 days along with a welcome kit but the credit limit is given only for 40 thousands as per requirement. I use this card for general purpose.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Simple documentation process"
      0.5 5.0/5 "Blown Away!"
      Just purchased the credit card because its a life time free credit card and I'm not sure about the benefits provided by this card. They have sent the card on time to my residential address. I'm convenient with the credit limit provided to me. Documentation process was good. Actually i got the card but i need a pin to start the process when i contacted the customer care, they said i will receive a post with a pin number and i waited for 1 week. Again i called the customer care, the executive guided me in a proper way and i got the pin number through online banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      From YES bank offered for a life time free credit card. The credit limit is intimated as for 50 thousands but given only for 15 thousands which was low. Since I am already holding existing credit card which limit for high. I received a card by 20 days. EMI option is applicable but mobile application is not working properly and there is no proper response. I use for fuel and grocery purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with YES bank few months before which was applied through online. It is a life time free credit card. On time I received a call from bank for further verification. But the credit limit is low as per my requirement. EMI option is applicable. Mostly I use for shopping and dining purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using Yes Bank credit card which was applied through online .The credit limit was very less it was upto 20,000.The agent gave all the required information about the card process.There are good cash back offers and reward points as well.This was a free card and there was no difficulties faced so far .
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied YES PROSPERITY REWARD PLUS CARD online. I have received the card on time. I am using the card for online shopping and grocery. Credit limit is sufficient for me and there is no annual fee. I am getting cashback offers and reward points.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 03, 2019
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