YES Prosperity Cashback Plus Credit Card Review

If you are new in the credit card market and looking for a credit card that can offer you handsome benefits as well the simplicity needed to make a soft start, then yes prosperity cashback plus credit card could be the ideal card for you. It lets you enjoy attractive cashbacks on every transaction, a handsome waiver on fuel surcharges, a complimentary credit shield to stand for you, and lots more. More about the yes bank cashback credit card benefits are discussed below.

How does the yes prosperity cashback credit card eligibility work?

• Resident Type: Indian. 
• Yes bank credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs.25,000 monthly or income tax return should be above Rs.5 lakh. 

• Yes credit card eligibility criteria for self-employed person:
  • Age: 21 to 60 yrs. 
  • Income: Rs.25,000 monthly or income tax return should be above Rs.5 lakh.
• A good CIBIL score (720+) is required to apply for this yes bank prosperity cashback plus credit card?

As you submit your yes bank credit card application, you will get a unique application id. You can use that to track the status of your yes bank credit card application status.

What documents are required to apply for the yes prosperity cashback credit card?

• 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 (Income Tax Return) 
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business.
    • Recently audited financial report.

As per the new RBI regulations, all new yes bank credit cards are delivered in an inactive state. The users can activate them fairly easily by generating a new credit card PIN. Now, if you want to know how to activate yes bank credit card for the first time then feel free to take a look at our yes bank faq page.

What are the yes prosperity cashback card fees?

• Yes cashback plus card joining fee: Rs.1,499 + GST
• Yes cashback plus card annual fee: Rs.1,499 + GST

What are the yes bank cashback plus credit card benefits?

• Get started with a huge joining bonus:

As you activate your yes bank credit card, and complete Rs.2500 spend transaction with it within the first month, you will get an Rs.250 cashback as a yes cashback card joining bonus.

• Add more value to your transactions:

You can earn handsome cashback with every transaction you make using this card.

Category of transaction	Cashback
Movie ticket booking	5% cashback
Grocery	5% cashback
Utility bill payments via yes pay now	5% cashback
All other retail transactions	0.75% cashback

You can track the status of your earned cashback from your yes bank net banking account.

• Enjoy freedom from fuel surcharges:

If you choose this yes bank premium card you will get a 1% waiver on fuel surcharges. This yes bank credit card offer applies to all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5000. The maximum waiver you can earn in a yes bank statement cycle depends on your credit card usage.

• A card that can stand for you:

This yes bank cashback plus credit card comes with a complimentary credit shield that covers your yes bank credit card outstanding in case of accidental death of the primary cardholder. 

• Enjoy lifestyle benefits like never before:

From time to time this yesbank prosperity credit card comes with attractive deals on shopping and lifestyle categories. Click here to find out more about the current offers.

• Experience easy bill splitting:

This yesbank prosperity credit card allows you to convert any of your high-value transactions (min Rs.1500) into small monthly installments. Make sure to check your available yes bank credit card limit before applying for an EMI.

• Get an instant loan against your card:

Yes bank allows you to get an instant loan against your credit limit on this yes bank cashback plus credit card. This feature can be very helpful in emergency situations.

• Instant yes credit card payment options:

You can pay yes bank credit card bill online from your yes bank net banking account or from the yes bank mobile app, you can also use any credit card bill payment app like Cred, Paytm, Phone pe, Google pay, etc.

• Stay worry-free with the yes pay now:

Yes bank features an automatic yes credit card bill payment service called yes paynow. If you register for the yes paynow service, all your utility bills will get automatically paid within their due dates. 

• Cutting edge security:

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

What are the yes bank credit card charges charges?

Particulars	Payable amount
Yes bank credit card cash withdrawal charges	2.5% against the withdrawn amount, min Rs.300 (check your available yes bank atm withdrawal limit before making a withdrawal)
Yes bank credit card finance charges	The yes bank credit card interest rate can go up to 3.5% monthly or 42% annually
Yes bank credit card foreign transaction fee	3.40% against the transaction amount
Yes bank add on credit card fee	None (for up to 3 cards)

How to contact the yes bank credit card customer service department?

• Call the yes bank credit card customer care number: 1800-103-1212 (Toll-free) or 022-4935-0000
• Write to the yes bank credit card customer care email id: yestouchcc@yesbank.in 

100xGain Ratings: 

7.5/10

Pros and Cons:

Pros	Cons
This yes bank credit card offers attractive cashback on online expenses. You will also get a big waiver on fuel surcharges.	This yes bank credit card does not have any travel booking benefits. There are no dining benefits on this yes bank prosperity cashback plus credit card.

Final Opinion:

After analyzing the yes cash back credit card benefits I can profoundly say that this yes prosperity cashback credit card can be useful for beginners and for those who love to earn cashbacks. It can offer them some handsome monthly savings with its powerful cashback program. 

But the major drawback of the yes cashback plus credit card is the annual fee which seems to be a bit high. Plus there are no dining or travel benefits on this card which can be a huge deal-breaker for most of us. Therefore, if you want some similar cards to compare with then feel free to take a look at the alternative card options given below.

Alternative cards of the yes bank prosperity cashback plus credit card: 

1. Axis bank neo credit card (Best for cashback and movie benefits) 
2. ICICI manchester united platinum credit card (Best for cashback and reward benefits)
3. Kotak pvr gold credit card (Best for movie and cashback benefits) 
4. Standard chartered yatra platinum credit card (Best for lounge access and travel benefits)