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  • Yes Prosperity Cashback Plus Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

    Credit Card Reviews

    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card for a while and the services which they had been providing so far has been good. The credit limit which they had given with this card has been satisfactory and it has been a life time free card as well. I had been using this card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with YES BANK , i am holding this card for past 1month . They offered YES BANK PREMIA credit card . SO far it has been a very good experience with the card and their services. Customer service was good and credit limit is satisfactory .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • YES Bank Credit Card
      "Good card for internation transaction"
      0.5 5.0/5 "Blown Away!"
      For a international transaction when i go to abroad i use this card. This is the only card provided 1.75% charges which is less compared to other credit cards. I'm using this YES bank credit card for more 3 years. I have received the credit limit of more than Rs. 3 lakhs.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • YES Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Yes Bank Credit card does things best. I have got the best limit on my credit card. I do have other banks credit card but when it comes to limit Yes bank has satisfied me . The services are up to the mark and every transaction happens smooth. Till date happy going with Yes bank Services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • YES Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      They are providing a very good services from Yes bank like sending messages and mail regarding the transaction notification, bill payments and bill details. I have started using the YES bank credit card for last 3 months. They have provided me a credit limit of Rs. 33000 and there is a yearly charges of Rs. 1000. There is a offers on restaurants, movie tickets. I can able to convert my electronical purchase into EMI and there is no charges for EMI conversion.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2018
    • YES Bank Credit Card
      "Process should be simple"
      0.5 4.0/5 "Great!"
      From Yes bank card I have taken this card very recently its a life time free card, they do have offers, 20% at swiggy, the credit card process was not so easy they have lots of documents procedure, it would be simple documentation and paperless approval.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 09, 2018
    • YES Bank Credit Card
      "Bad experience"
      0.5 2.0/5 "Expected more"
      I have been holding Yes bank credit card, i am confused in calculating my credit limit like according to my salary they have not given me credit limit, they have given me too low , they should give credit limit according to my salary , but i have got too low limit, and there service team is okay.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 08, 2018
    • YES Bank Credit Card
      "Bad experience"
      0.5 2.0/5 "Expected more"
      I am using my saving account with Yes bank, there service is quite average , i did not get OTP through message , or whenever i get it is not on time, and there is transaction issue i face mostly, , there mobile service provided by them is a kind of okay.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 08, 2018
    • YES Bank Credit Card
      "Very good card"
      0.5 4.0/5 "Great!"
      I am using YES bank credit card from last 2 years, the credit card services are good when compared to other cards. There was no annual fee charged for this credit card. Credit limit is fine in this credit card and offers like cash back are good in this card.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "Need to reduce charges"
      0.5 2.0/5 "Expected more"
      I am having a credit card with YES bank from last 1.5 years, there was no annual fee charged for this credit card. I am getting only reward points on this credit card and no other offers. Credit limit is fine in this card and the services are not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit limit is satisfactory from this bank where i have been using the credit card with the YES BANK. They have provided the EMI conversion option with this card but they have offered with none of the offers from this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 04, 2018
    • YES Bank Credit Card
      "Fees are high"
      0.5 3.0/5 "Satisfactory"
      They are charging more than Rs. 18000 whatever the feasible amount. I have started using the yes bank credit card nearly a year. They have provided me a credit limit of Rs. 40000 and I'm not at all happy about it. They have not even done a credit limit enhancement. There is no annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 03, 2018
    • YES Bank Credit Card
      "Improvement needed on services"
      0.5 1.0/5 "Really Bad"
      I used the services earlier for YES Bank. I had a credit card with them and though I have other cards with more than 1.5 Lakh, they have offered me a limit of only one lakh. I contacted the customer care and I was told to wait for a month or two to enhance the limit. I waited and the limit was not increased. So I cancelled the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 03, 2018
    • YES Bank Credit Card
      "Need to improved the offers. "
      0.5 4.0/5 "Great!"
      They don't have much offers on yes bank. I have got a satisfied credit limit on yes bank. I made a single transaction with a amount of Rs. 75000. I have purchased this credit card less than 2 years ago. They should have more offers on other website. The customer care service has to be improved.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • YES Bank Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      Its a free card there is no charges on yearly basis, I received the top most card that they have with all facilities. The customer support people are reachable. I am getting 9.9% of interest lower than other personal loan. Yes bank is good in interest rate.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 01, 2018
    • YES Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I am satisfied with the credit card where i haev taken it through the YES BANK because the card is user friendly to access. I have started using this card recently so i have not experience completely with this card. The credit limit is satisfactory with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 30, 2018
    • YES Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      Yes Bank credit card is accessible in all the shops and am using the card for 2.5 years. The offers are not that much great. I am getting only the reward points on every transactions. Still I have not redeem the points. If I purchase 20 or 30K then annual fee will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 29, 2018
    • YES Bank Credit Card
      "Bad experience"
      0.5 1.0/5 "Really Bad"
      I have been holding YES bank credit card, there service is not up to the mark , like they have provided me too low credit limit ,i was no use for me and they have not charged me annual fee , i had applied this card first they had canceled by stating that in my home no one was there to collect credit card but that in next to impossible because everything every one use to live in my home and even they have deliver in office and they said that even that was close so they created fake report and after 15-20 days they gave me credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding YES bank credit card for long time, they have not charged me annual fee in this card and i am happy with my credit limit which they have provided in this card and there service is good, they provide good discount and offers in maximum products.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had provided so far was good. But the credit limit which they had given has been less, there has been some good benefits in holding this card and it has been a life time free card.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 28, 2018
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