YES Prosperity Cashback Credit Card Review

Yes Bank has designed the Yes Prosperity Cash-Back Credit Card especially for offering Cash-Back benefits to its customers. It is a trimmed-down version of the YES Prosperity Cashback Plus Credit Card. the benefits offered by this card are Cash-Back on the everyday transaction, fuel surcharge waiver, lifestyle benefit. EMI facility, and lots more.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly or income tax return should be above ₹5 lakh. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly or income tax return should be above ₹5 lakh.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹999 + GST
  • Annual Fee: ₹999 + GST


  • Welcome benefit:

With the issuance of the card, you will get ₹250 Cash-Back as a welcome gift. You have to spend ₹2500 within 1 month of the card issuance to claim this offer. 

  • Cash-Back benefit:

With this card, you can earn Cash-Back from every transaction you made with this card. 

If you spend on movie ticket bookings you will get 5% Cash-Back, you will get 5% Cash-Back on grocery shopping. 

This card also offers 5% Cash-Back on bill payments via YES PayNow and 0.50% Cash-Back on all other categories. 

  • Fuel surcharge waiver:

If you choose this card you will get a 1% waiver on fuel surcharges. This offer applies to all fuel stations in India. The transaction amount should be between ₹400 to ₹5000.

  • Lifestyle benefit:

You will get some awesome offers on travel, dining, wellness, shopping, and many more.

  • Secure IVR Transaction:

For IVR transactions you need an OTP. You have to send an SMS from your mobile number which is registered in the Bank. Type YESIVR<space>last 4 digits of the card number and send it to 9212738927.

  • EMI facility:

You can convert any transaction over ₹1500 into EMI, with this card. This feature is very helpful for the shoppers. 

  • Security:

This card has a built-in EMV chip, this chip is specially designed to add more security to your transactions. Also, this card comes with 3D security which makes it more secure. 

  • Other features:

There are also some other features in the card like Quick loan facility, Yes Paynow facility, Card Protection Plans, etc.  

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.


  • Finance Charge: 3.5% monthly. 
  • Foreign currency transaction: 3.40% against the transaction amount. 

Contact Details:

Call: 18001031212



100xGain Ratings:


Final Opinion:

 This card can be beneficial for those who want to earn Cash-Back from their daily expenses. It offers a 5% Cash-Back on grocery, departmental store, and Utility bill payment, fuel surcharge waiver, lifestyle benefits, EMI option, and a lot of other features that can make your life easier. 

But this card lacks some benefits like lounge access or entertainment benefits. So if you want these benefits on your card then you can go for YES Prosperity Edge Credit Card or ICICI Coral American Express Credit Card

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