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  • Yes Prosperity Rewards Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Yes Prosperity Rewards Credit Card

    Highlights

    • Nil processing fee
    • Zero documentation
    • Wide range of products against which rewards can be redeemed
    • Welcome reward points

    Yes Prosperity Rewards Credit Card Overview

    The Yes Prosperity Rewards Credit Card is a value for money card which provides individuals an opportunity to earn rewards each time they use it. A simple application process, zero documentation, and a host of reward options make this a card suited for someone who likes being rewarded each step of the way.

    Benefits of Yes Prosperity Rewards Credit Card

    Some of the benefits of this credit card are highlighted below:

    • Fuel waiver – Fill fuel in your vehicle without worrying about paying extra, for the fuel surcharge is waived off when you fill petrol/diesel using the Yes Prosperity Rewards Credit Card.
    • Reward system – Cardholders earn reward points on each spend, including additional points on the completion of every year. This is in addition to the Welcome Bonus where one stands a chance to earn a 1,000 points.
    • Product range – The points earned by a cardholder can be redeemed against a wide range of products.

    Features of Yes Prosperity Rewards Credit Card

    Listed below are a few features which differentiate this card from the rest.

    • Preferential interest rates – Cardholders who opt for revolving credit are entitled to special interest rates ranging between 2.4 and 3.22% per month.
    • Security – All online transactions are secured using MasterCard’s SecureCode.
    • Nil processing fee – Individuals can apply for this card without worrying about additional processing fee.
    • Instant EMI – This is a feature wherein cardholders can purchase expensive items and repay the amount through simple EMIs.
    • Competitive interest rates – The interest ranges between 12 and 15% p.a.

    Eligibility criteria for Yes Prosperity Rewards Credit Card

    Individuals who wish to apply for this card are expected to satisfy a few basic eligibility criteria, as mentioned below:

    • An applicant should be between the age of 21 and 60 years.
    • An applicant should have a steady source of income. Applicants can either be self-employed or salaried.
    • An applicant should have a minimum annual income equivalent to Rs.5.5 lakh.

    Documents required

    Individuals need not worry about any documents, for Yes Bank has a zero documentation policy in place for this credit card.

    How to apply

    Eligible individuals can apply for the Yes Prosperity Rewards Credit Card online, through the official website of the bank. They will need to fill in a few basic details, with bank representatives reaching out to them if they meet all their criteria.

    Fees and other charges

    Fee Type Amount (Rs.)
    First year fee (membership) Rs.250
    Renewal fee (membership) Rs.250

    FAQs

    1. What are the factors which impact preferential interest rates?

      The preferential interest rates are impacted by the relationship an individual has with Yes Bank. Cardholders who have a Salary/Savings Account with the bank are charged a lower rate on revolving credit compared to those who have no account with the bank.

    2. What are the repayment tenures under Instant EMI?

      The tenures range between 3 months and 2 years, with cardholders having the option to repay the amount in this time.

    3. Can I get my fee waived?

      Yes, the annual fee can be waived, subject to a cardholder spending a certain amount. The fee for the first year is waived if one spends a minimum of Rs.5,000 in the first three months after getting the card, while the renewal fee can be waived if one spends Rs.15,000 in the preceding year.

    4. How does the Annual Reward Points system work?

      Under this system, a cardholder can earn 10,000 reward points on the anniversary of the card, subject to him/her spending a sum of Rs.1.8 lakh in that year.

    5. What can the reward points be redeemed for?

      The reward points can be redeemed for products ranging from mobile phones, pen drives, headphones, gift cards, perfumes or air miles.

    Other Top Credit Cards By Yes Bank

    Credit Card Reviews

    • 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
    • YES Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have been using with the YES BANK credit card as i am using this card from past few months as the service is good with this bank. They have offered with the good credit limit it is satisfactory. I am getting the good offers also with this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 28, 2018
    • YES Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I like the Yes Bank credit card very much. They are giving good offers and reward points to the customers. The customer service and response is equally good. Its a YES PREFERRED CARD and am using it for almost 2 years. The credit limit is sufficient. There are no annual charges.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 27, 2018
    • YES Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I like the Yes bank credit card, its customer friendly. My card is a life time free. The credit limit is not sufficient and I am the one requested them to give low limit and using the card for 4 years. I am using the card for multi purpose, whenever I use in e-commerce sites or apps, it will add reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 27, 2018
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