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  • Yes Prosperity Rewards Credit Card

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  • 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.

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    Credit Card Reviews

    • YES Bank Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      Yes bank customer support is good for the credit card queries, they used to give best rate of interest for the emi conversation. Through mobile app I can convert the purchased amount easily. More over I am getting more offers like movie tickets, they give proper discounts for the fuel transactions. All features in one card, based on the experience they keep on upgrading it. If I book flight tickets for three persons, they waive off one ticket cost. More over for OYO hotel booking they give best discounts.
      Was this review helpful? 2
      , chennai
      Reviewed on Sep 17, 2019
    • YES Bank
      YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am not using the YES bank. I am having a Prosperity Edge card. I haven't used any benefits on this card. They have provided me a credit limit of RS. 75000. There is no yearly charges on this card. Its easy to make the bill payment through online. Their app is very much convenient to use.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 17, 2019
    • YES Bank Credit Card
      "Very nice card"
      0.5 5.0/5 "Blown Away!"
      As per my knowledge, they are providing a good services. They have offered me a credit limit which is very low . Its just Rs. 33000. There is no annual fee on this credit card. They have dispatched the credit card without any delay. The executive came to my place to collect the documents.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 16, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 3.0/5 "Satisfactory"
      I have been using YES BANK credit card for a year and am not satisfied with the credit limit and even with the EMI conversion. I hold REWARD PLUS card which is zero annual fee. There is no special benefits. The payment mode is easy. I don't have any issues with the charges.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • YES Bank Credit Card
      "Average card interms of limit"
      0.5 5.0/5 "Blown Away!"
      The services are good from YES BANK and have taken the credit card through online channel. The credit limit is average and they need to concentrate on this. There is no annual fee and its almost a month. I am yet to receive my first statements and the executive came to my place for document collection.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
    • YES Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      I haven't received any statements yet from YES BANK so no idea about the interest rate and charges. I have taken this credit card because its life time free. The credit limit is okay for me. I have used the card twice or thrice and got the reward points accordingly.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • YES Bank Credit Card
      "Simple and super card"
      0.5 4.0/5 "Great!"
      From last 3 months, i have purchased the credit card from YES bank. I'm consuming lots of charges on petrol and fuel hence for the fuel sur charge waiver i got the yes bank card. They have provided me a limit of Rs. 20000 which is not enough for me. They are not charging any yearly fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • YES Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with YES bank on a month before which was processed through an online. The verification was done on smooth and received a card on time. It is a life time free credit card and the limit was given for okay. Mostly I use this card for shopping and some time for fuel purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 15, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Yes Bank credit card which was applied through Online .The credit limit was good and there was no difficulties faced so far .Customer service was good ,There are good cash back offers and reward points as well .The agent gave all the information about the card process.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 14, 2019
    • YES Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I have taken a credit card with YES bank with okay limit. This was processed through an online on a month before. It is a life time free credit card. EMI option is applicable in this card. I use this card for shopping and for many other purposes. There is no much special features in this card.
      Was this review helpful? 1
      , thane
      Reviewed on Sep 14, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 13, 2019
    • YES Bank Credit Card
      "E commerce offers should be increased"
      0.5 3.0/5 "Satisfactory"
      Reason to select this YES Prosperity card has an option to earn more points based on the spend, they gave me Rs. 35,000 as limit its fine for me. It has life time free benefits but I am not getting any offers at e commerce sites like amazon, flipkart.
      Was this review helpful? 2
      , pune
      Reviewed on Sep 13, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.5/5 "Excellent!"
      I have taken a credit card with YES bank with low credit limit of 22 thousands only but I was expecting for more than a lakh. Which was processed through an online on a month before. I use this card for hotel purposes. There is no option for a lounges service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Beneficial Card"
      0.5 5.0/5 "Blown Away!"
      There are few things made me to chose this Yes bank card like it has life time free card and they provide reward points, based on the spends I do get airport lounge facility for International and domestic purpose. The credit limit is also satisfactory, the due date falls on convenient date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Need to be process at earlier"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with YES bank on 2 months before which was processed through an online. The process was done on smooth but to get a call from bank was too delay process then submitted the documents and then received the card after 20 days. It is a life time free card. I am yet to use it.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied for YES PREMIA credit card from Yes Bank. They have given sufficient credit limit, I am happy with the credit limit. I had received the card on time and annual fee is not chargeable. I am getting messages after every transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Yes Bank mobile application is very good where I can see my usage on my transactions but if I do the payment it takes 3 days to update and reflect on my credit card, it took 5 days approve my credit card, credit limit of the card is good, credit card charges are applicable but if we do more transaction then the annual fee charges is waved off.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I had applied for YES PROSPERITY REWARD PLUS CREDIT CARD it was been delivered in 10 days, card limit is excellent, EMI options are available, annual fee is zero, customer service is available 24/7 days, ATM service is available if I want to withdraw cash on my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had applied for YES PROSPERITY REWARD PLUS CREDIT CARD where the card got approved and customer service is good, credit limit is nominal, EMI options are available, annual fee is zero, offers are very good and also rewards points offers are good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 2.0/5 "Expected more"
      I have applied for YES bank credit card for more than a month which was processed through an online. It is a life time free credit which was given from bank. The process was delay for 2 days. The credit limit is too low of only 30 thousands which was not as per my requirement. I use this card for shopping purpose.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2019
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