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

    Responsiveness

    Fees & Charges

    Customer Service

    Promised Interest Rate

    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!"
      I have been recently applied for Yes bank credit card .They have charged me annual fee or not ,i have no idea,i need to check it,The credit limit which they have given me was good,i am happy with the credit limit, the reason for choosing this card is for offers,the process went smooth, the card was on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • YES Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      When I applied for the card through online, I got Yes bank credit card offer, hence I gone with this card. The process was good, the documents submitted on time, I got the card with pin number, but the credit limit is less around Rs. 50,000 it should be increased.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Mar 17, 2019
    • YES Bank Credit Card
      "Good Credit Card to Use"
      0.5 4.5/5 "Excellent!"
      Through online my credit card got activated without any hassle, last 20 days back I got the card. The accessibility of the card is good. The credit limit is good, they are sending the alert and other notification on time. The card which I am holding from Yes bank its a life time free card.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      Yes bank credit card is good and have been using it for one year. The credit limit was good and annual charges are zero. I use this card for multi purpose. There was no benefits on this card. They need to improve the customer service. I don't know about the interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Last eight month I got yes bank credit card this is life time free card and reward point offer available in this card . I am satisfied with this credit limit and their customer service provided is good and response at a time I am happy with yes bank ,
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average card "
      0.5 2.0/5 "Expected more"
      I hold YES BANK credit card . I am holding this card for past 15 days . They offered very low credit limit with this card . I have another card as well and there i got good limit . Initially they said they will give more limit but they have not and also I did not get any offers based on this credit card.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average card "
      0.5 2.0/5 "Expected more"
      I hold YES BANK credit card . I am holding this card for past 15 days . They offered very low credit limit with this card . I have another card as well and there i got good limit . Initially they said they will give more limit but they have not and i did not get any offers in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average"
      0.5 2.5/5 "Just OK"
      I got yes bank credit card last one month after submitting the documents on line and off line within ten days I got this card .I am not satisfied this limit my limit is only 30k but I have other card that's limit is 2.5L and customer service provided is not good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • YES Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I was looking for a Credit card and it happened to be YES BANK card. I am aware of the rewards and cash back offers but i have not yet used this card much. I am using since a while and probably will know things as much i use. Overall it has been good experience .
      Was this review helpful? 0
      , indore
      Reviewed on Mar 15, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      I've been using the YES BANK credit card for the past 1 month . Everything was good with them, they have offers and discounts. I never had any issues with the card and their services and it s a recommendable card to have. It is life time free card so i choose this card .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 15, 2019
    • YES Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      When I applied my credit card with YES BANK through online channel. I got a good response and response. The interest rate is 2.9% per month which is better compared to others. I have chosen YES PROSPERITY EDGE CARD because of the benefits. The card was delivered after a week.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with them since one of my friend had suggested to go with this card. The process in getting this card has been smooth and i got the card on time. They had given me with a good credit limit and they had explained me with the benefits and features with the card as well, it does not have any annual charges as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • YES Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      After summit ed my document I got withing seven day yes bank credit card . This is life time free card and rewards point offer is available in this card . I am satisfied with this limit and customer service provided is good and response at a time .
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 14, 2019
    • YES Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      It was a nice process in getting this card and the card also had delivered to me on time. One person came and collected the documents at the doorsteps. The credit limit with the card is good and they had explained to me the benefits of the card. It is a life time free card as well.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 13, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding Yes bank credit card for long time,They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,but they do not give much offers in this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 13, 2019
    • YES Bank Credit Card
      "Nice credit card & life time free card "
      0.5 4.0/5 "Great!"
      Within 2 weeks of time I got my yes bank credit card . Documents were submitted in off-line . Getting notifications of all my Transaction , Yes bank mobile app is very easy to use for other bank users also . I am satisfied with Customer service and credit limit .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 13, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      EMI interest rate is low and ATM transactions are good. I am using Yes Bank prosperity card for almost one year. They don't charge annual fee and have not checked the air lounge access. The credit limit is 50K which was good, initially it was 20K.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2019
    • YES Bank Credit Card
      "Need to increase the limit"
      0.5 4.0/5 "Great!"
      I have received a YES PROSPERITY REWARD PLUS CARD through online channel. The credit limit was not up to the mark which is less than my salary. They have given me a limit of 30K, it would be appreciate if they can increase my limit. It has life time free credit card. The card was delivered on the specified the time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 12, 2019
    • YES Bank Credit Card
      "Satisfactory Credit card "
      0.5 4.0/5 "Great!"
      For the last three months , I am using this Yes bank credit card . Till now they didn't charge extra amount as a hidden charge. Annual fees is discounted for me .Yes bank normally don't offered any best offers till now . My friends are suggesting to change the card .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 12, 2019
    • YES Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it is a life time free card and there is a lot of good cash back offers with this card. There has almost been 3000 points which has got accumulated with this card and i am yet to use it. The credit limit with the card has been pretty good and i had started using the card as well.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 12, 2019
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