YES Prosperity Cashback Plus Credit Card Review

YES Bank offers various types of credit cards for their customers for their uses. YES, Prosperity Cash-Back Plus Credit card is one of them. This card is specially designed for those peoples who like Cash-Backs for their daily uses. This card offers you a Cash-Back on every transaction you made with this card. You will also get other benefits such as a welcome Cash-Back, additional Cash-Back, fuel surcharge waiver, insurance coverage, lifestyle benefits, etc.

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: ₹1,499 + GST
  • Annual Fee: ₹1,499 + 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 0.75% 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.

  • Insurance coverage:

This card offers credit shield overage for the accidental death of the cardholder.  

  • 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 transacted amount. 

Contact Details:

Call: 18001031212


Mail: [email protected]

100xGain Ratings:


Final Opinion:

This cad is best suited for those who want to earn Cash-Back from their daily uses like grocery, utility bill payments, and other transactions made with this card. You will get up to 5% Cash-Back on Grocery and utility bill payments, fuel surcharge waivers, insurance coverage, and a bunch of lifestyle benefits. 

But if you are looking for lounge access or golf benefits then I would not recommend you this card, instead, you can go for YES Prosperity Edge Credit Card, and if you want to spend more then you can go for American Express Platinum Reserve Credit Card

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