The Prosperity Edge Credit card offered by YES Bank offers a highly rewarding experience. The loyalty program offered by the card is the exclusively designed to help you save while you spend. From accelerated reward points as bonus to preferential interest rate, this credit card has some exceptional features and benefits.
YES Prosperity Edge Credit Card key highlights
With this card, you get to earn 1,250 rewards points if your spends are Rs.7,500 or more before 30 days from the date of card issuance.
Enjoy accelerated reward points on birthdays, dining bills, international and online spends.
Apart from the preferential interest rate, you also get to enjoy great discounts and offers on your birthdays, dining bills, online and international spends.
Enjoy 15,000 bonus points if you achieve an annual spend of Rs.6 lakh or more in an anniversary year.
Earn 6 reward points on retail purchases made on your birthday.
Earn 5 reward points on every Rs.100 spent on international purchases.
Earn 4 reward points on every Rs.100 spent on all online purchases.
Earn 3 reward points on every Rs.100 on retail spends.
Register on Yes PayNow and earn 500 reward points.
YES Prosperity Edge Credit Card features and benefits
Rewards redemption option: Redeem your reward points into JPMiles and use it to book your flight tickets. 4 reward points will be 1 JPMile.
Fuel Surcharge waiver: Save on your fuel bills using the fuel surcharge waiver applicable at all fuel outlets in India for transactions between Rs.400 to Rs.5,000.
Insurance benefits: Get Life Insurance Coverage of up to Rs.50 lakh for death due to an air accident. Also, get medical insurance of up to Rs.15 law in case of emergency hospitalisation abroad.
Credit shield: This feature that the card offers protects you in case of loss of card, fraudulent activities, or theft.
Priority Pass Membership and MasterCard Lounge Program: Enjoy up to 2 domestic lounge visits every quarter across 30+ airport lounges in India.
Concierge services: Get 24x7 dedicated concierge assistance who will help you with hotel reservations, flight bookings, restaurant referral, movie tickets assistance, and flower and gift delivery.
Card Protection Plan: Safeguard your credit card with the Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.
YES Prosperity Edge Credit Card fees and charges
Type of fee
Amount
Joining fees
NIL
Annual fee
NIL
Finance charges
For YES Bank salary and savings account holders 2.99% per month and 35.88% per annum.
For Non-YES Bank cardholders: 3.22% per month and 38.64% annually.
Cash advance charges
2.5% of the advance amount
Over limit charges
2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
Add-on card fee
Nil up to 3 cards
Late payment fees
Outstanding balance up to Rs.100- Nil
From Rs.101 to Rs.500- Rs.100
From Rs.501to Rs.5,000- Rs.400
From Rs.5,001 to Rs.20,000- Rs.500
Above Rs.20,000- Rs.700
Returned cheque
Rs.350
Foreign currency mark-up charge
3% on the transaction amount
Duplicate statement request
Rs.100 per statement
Re-issue of lost or stolen card
Rs.100
Eligibility to apply for YES Prosperity Edge Credit Card Card
To be eligible to get a YES Prosperity Edge Credit Card Card, you need to fulfill the following eligibility criteria:
You need to be at least 21 years of age.
You should not be over 60 years.
You should be a salaried or self-employed person.
Your minimum net monthly salary should be Rs.60,000.
If you are self-employed, your Income Tax Return should be Rs.7.20 lakh or more.
Documents requited to apply for YES Prosperity Edge Credit Card
Address proof
Any one of the documents
Passport
Telephone bill
Electricity bill
Passport
Voter ID card
Ration card
Aadhaar card
Identity Proof
Any one of the documents
Passport
PAN Card
Ration Card
Aadhaar card
Voter’s ID card
Driving license
Income proof (For salaried)
Recent pay slips
Last 6 months bank statements
Income proof (For self-employed)
Recent ITR (Income Tax Returns)
Audited profit and loss statement
Balance sheet
Other documents
Duly-filed application form
Passport size photographs
Note: The above list is for reference only. YES Bank reserves the rights to ask you for additional documents if required. However, these are the general documents you will have to keep ready before you start filling the credit card application form.
FAQs on YES Prosperity Edge Credit Card Card
How do I get the concierge services? Can I reach the Concierge desk via e-mail?
Please dial 1800119371 to reach the concierge desk. You can also contact the bank’s credit card customer care department at 1800 103 1212.
Is there a maximum limit for the fuel surcharge waiver offered by my card?
Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.
Should I pay a reward redemption fee while I redeem the accumulated points on my YES Prosperity Edge Credit Card?
Yes. A reward redemption fee of Rs.100 will be levied when you redeem your reward points.
How do NRI cardholders redeem their reward points?
NRI cardholders can redeem their reward points by calling +91 40 6653 4510 or write a mail to support@yesrewardz.com. You can also contact your bank relationship manager for more information.
Can I covert a transaction I made on my YES Prosperity Edge Credit Card into EMI?
Yes, you can convert a transaction into EMI without processing fees. Please get in touch with YES Bank for more details.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
I have not much used of it hence i have not aware of the complete benefits. Executive never informed me about the charges and in the welcome kit, details were not there. Even I'm not aware of my billing cycle also. It is a life time free credit card. YES bank provided me a limit of Rs. 15000 which is very bad.
I was seeing a lots of offers when i purchase the card but they keep on repeating the same offers or if i spent Rs. 10000 they will give Rs. 250 Amazon voucher which is a not that much worth to spend. I didn't face any issue of getting the card. I'm satisfied with the credit limit provided to me. Its a free card.
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.
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.
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 had applied YES PROSPERITY EDGE CARD on 2 months before which was processed through an online. The credit limit is given for a sufficient to use for this card. It is life time free credit card. On time I received a card but I have not received a kit instead of sending they told to download through an online.
I am using the credit card from other bank and the limit is around Rs. 5 lakhs but in YES bank, they have provided me a limit of Rs.30000 and i don't know at basis they are providing the limit. I get the priority pass in airports and rest of the offers are similar like other banks.
I have selected yes bank prosperity rewards edge credit card past 3 month.Its is life time free credit car.There is no sufficient limit is provide from banker end .There is no cash back offer and no rewards points .while document submitted on line as well executive .Customer service is not good.
YES bank response is lacking especially on the notification part whenever I send mail only I am getting reply from the customer support. I am holding Yes prosperity Edge card, they deducted Rs. 1500 as charges but they said will refund it shortly.
Sometimes the charges are unpredictable with YES BANK credit card. They have provided me a life time credit card. I am using Prosperity card for almost one year. The credit limit was satisfied. I don't understand the reward system which should be simplified. Their app should be enhanced.
Its a no charge card because its a life time free and offering me a airport launch access hence i have taken this card. I get a cashback, discounts and reward points on this card. They have provided me a credit limit of Rs. 50000 on my YES bank prosperity Edge card. I have got some joining benefits.
They are providing a free credit card for life time hence i have taken from yes bank. 1 month back, i have taken this card. The given credit limit is around Rs. 50000 which is fine for me. There is no annual fee on this card. Within the stipulated time, they have sent a card to my residential address.
The rate of interest and charges are as per RBI guidelines. I have taken YES PROSPERITY EDGE through online channel. The reward points are much better in this card and its a life time free credit card. The limit is only 20K but I have expected bit more. The card was delivered in a week.
Just got a good offer like rewards points hence i purchased this card. I get a credit limit of Rs. 1.50 lakhs and there is no annual fee. My monthly statement has sent to residential and its easy to understand. I'm not using their credit card banking. I use online banking to pay the bill.
Everything was pretty user friendly and the card delivery time is not acceptable. After applied the credit card, it took 5 weeks to get the credit card and the process is quite long. It was basically a free card and it had a benefits of master card with Golf program. Without any yearly annual fee, its a convenient card to use.
I just qualified for this yes bank credit card hence i got it. I get the rewards points on petrol filling, restaurants usage and many more. They have provided me a limit of Rs. 68000 and its a hassle free card to use. I'm using this card for both offline and online transaction.
I have selected yes bank prosperity edge past months ago Documents submitted through executive they giving clear information about credit card. while transaction cash back offers and rewards point applicable.Its life time free credit card , sufficient limit is provide from banker end and Customer is excellent.
Was this review helpful?
0
SANGRAMJEET SWAIM
, bangalore
Reviewed on Jun 21, 2019
There is a launch access is available in Airport hence i have purchased the YES bank credit card. I can access the facility quarterly twice. I'm getting the rewards points which i am not using the card for that purchase. I'm sufficient with the credit limit. Once they have called me for a welcome call in that they have explained me about the card features.
Was this review helpful?
1
MANIKANTH PRASAD BOGGAVARAPU VEERA
, bangalore
Reviewed on Jun 11, 2019
I have taken YES PROSPERITY EDGE through online channel, the process was immediate and they have delivered the card on time. The credit limit is fine for me. There was no annual fee. I have used the card and the payment mode is easy. The documentation process was fine.
YES bank card processing is good and they are prompt in sending the messages and the communication is good whenever i do the purchase i get the immediate message alert and mail alert the card protection is good. I'm aware of their terms and conditions for bill payment. They have give me a welcome call after i received the card.
Was this review helpful?
0
RAJASHRI SANJEEV CHAVAN
, thane
Reviewed on Jun 09, 2019
