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.
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
First year fee (membership)
Renewal fee (membership)
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.
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.
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.
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.
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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I have applied for YES bank credit card through online and the agent gave me the details for the credit card .I have taken the card because its a life time free card. The credit limit was not sufficient but it was manageable, I used this card for domestic ticket booking, bill payment and many other purposes.I got my card statement on time. I am satisfied with the service.
When i first used the YES bank credit it was fine but later on it was not working properly it always show some issue,the card limit is only 65000 which i am not happy.I used this card for shopping,electricity bill payment,ticket booking and more.Due to some issues on the card i could not pay my bill on time.
I got a credit card offer from YES bank through online. They called me on time for further verification, the process was smooth hence I received the card within 5 days. The credit limit is sufficient. Since they provide more offers so chosen this card. They given one plus one free movie tickets offer. Mostly I use this card for filling petrol and an online shopping.
I have availed YES bank credit card for fuel and shopping as well as for my personal use. I get 2movie tickets are free and monthly 100% cash back offers are avail ,using for the past 1 month i have not used movie ticket offers yet .The credit limit was very less it was only 56000.I have got the credit card on delay basis it took extra 2 days of time since delayed by courier person.
I have applied YES bank credit card via online. I have used it for the last two months, I usually used it for personal basis and the card limit is Rs.18,000 but overall the customer service is good and I would recommend this card to others as well.
I am unable to use YES bank credit card is not working and showing bank server problem wherever using it getting this information.The credit limit was less and this was a life time free card and this credit card was delivered on time everything was good so far. I am not satisfied with the service.
I am unable to do transaction by using YES bank card for just few days before but as of now that issue was sort out. I taken this card on 6-8 months back. I am not yet used this card much. There is no annual fee chargeable. The credit limit is not sufficient of 15K. The cash limit is there only 5K , not found any best to use the card normally I will be using whenever get offers.
YES bank credit card, i am using for the past 25-30 days. I have not used still now and i don't know about the features, bank condition is not active right now. Through representative i have its pretty easy to apply this credit card since its a new card i don't about the card benefits.
YES Bank people is not professional, actually I have applied for card to card process which doesn't required any documentation except the existing card statements but here they have been asking me Aadhar card, payslip, home agreement and etc which am not interested to provide hence it was cancelled.
I am holding YES Bank credit card for past 4 months which was applied via other channel. The process was done on time and without any issue have received the card. It is a life time free card and the credit limit was 35K. I swipe this card for all purposes and it works fine.
YES bank card is closed by RBI for some reason and offers are there like booking tickets and auto debit option for my fund to pay the monthly bill. As per my experience, the card is good. There is no delay in processing the card. Its quite comfortable to make the payment. I don't receive any promotional calls regarding the offers.
I have a credit card from YES bank but due to the crisis i am unable to use the card in online and offline purchases whenever i do the transactions, it shows declined. For the dining and 1+1 movie tickets, reward points purpose, i have chosen this card. They have given me a credit limit of Rs. 30000. Its a zero annual fee credit card.
My YES Bank credit card is not working since that bank has some problem. I made out standing payment Rs. 62k and they given a good credit limit and also its a free card. Earlier i use to get end number of calls from bank side for EMI conversion that was very irritated.
Recently i have purchased the credit card from YES bank which have availed online. 7 days before i have received the card due to YES bank crisis issue, I'm unable to use this card in all the POS machines. Within a week, they have completed the entire process of getting a credit card. There is no yearly charges for this card.
I have Yes bank credit card which is having very less credit limit which they need to improve .This was a life time free card and the agent shared all the relevant details about the card process. I am using it for the past 20 days and it was a hassle free process.
The rate of interest was little bit higher in YES Bank credit card. They given a good credit limit and i am using this card for shopping purpose. EMI facility is available and the documentation was simple and good within a week i received this card. YES Bank has a good customer service.
YES simply proposed me to get a card since it does not have any annual fee. Currently yes bank credit card is not working since its because of undertaken my RBI. I'm not happy about the credit limit provided by YES bank because its only Rs. 30000 and the documentation process was very simple. I can get add on card and i get more reward points on utility bill payments.
Taken my YES bank credit card 2 months before because they said that they will provide more credit limit hence i thought that i can close all other credit card but they have provided me a less limit of Rs. 20000 which I'm not satisfied with. I don't get any offers on this credit card.
Recently i have purchased the credit card from YES bank. They have provided me a credit limit of Rs. 25000 which I'm not satisfied with. The process took for a long time. I didn't call the customer care till date. There is a annual fee of Rs. 1000. In this card, i get reward points in online when i book a movie ticket and flight tickets.
I have not get a situation to call the YES bank customer care people. Its a care free credit card because its a life time free card so i don't need to worry about the fee waiver. When i compared to other bank, this is best to use so i don't need to track of the minimum transaction per year. I get a good reward points based on my transaction. I got my card within a week.