YES Prosperity Edge Credit Card Review

The yes prosperity edge credit card is a perfect choice for the Indians looking for a low-cost credit card that can add a touch of luxury to your lifestyle. While this card comes at a relatively low annual fee of just Rs.399 it lets you enjoy free access to airport lounges, complimentary golf rounds at some of the finest golf courses in India, attractive benefits on milestone spending, and lots more. More about the yes bank credit card benefits are discussed below.

How does the yes bank credit card eligibility criteria work?

• Resident Type: Indian. 
• yes bank credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs.45,000 monthly or Income tax return should be above Rs.7.2 lakh. 

• Yes credit card eligibility criteria for self-employed person:

• Age: 21 to 60 yrs. 
• Income: Rs.45,000 monthly or Income tax return should be above Rs.7.2 lakh.

• A good CIBIL score (Above 750) is needed to apply for this yes bank yes prosperity edge credit card.

As you submit your yes bank credit card application, you will get a unique application id, and it can be used to track your yes bank credit card application status. 

What documents are required to apply for the yes bank edge prosperity 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.

What are the yes prosperity edge credit card fees?

• Yes prosperity edge credit card joining fee: Rs.399 + GST
• Yes bank prosperity edge credit card annual fee: Rs.399 + GST 

What are the yes prosperity edge credit card benefits?

• Get rewarded for every transaction you make:

Category of transaction	Yes bank credit card rewards earning rate
Every Rs.200 transaction made using this yes bank credit card	4 edge rewards
Every Rs.200 transaction made on selected categories	2 yes bank edge rewards
The first 3 transactions made after yes pay now registration	5X edge rewards

  You can redeem your yes bank rewards very easily you can redeem them against various products available in the yes prosperity edge credit card rewards redemption catalog or you can redeem them into air miles, (10 reward points = 1 air mile)

• Enjoy free access to airport lounges:

This yes prosperity edge credit card features 1 free quarterly access to domestic airport lounges. Also if you are a MasterCard user, you will get a complimentary priority pass membership. The yes bank visa credit card users will get complimentary membership of the lounge key program, which gives you free access to most of the loungekey airport lounges across the globe.

• Enjoy your weekends with complimentary golf rounds:

Using this yes bank prosperity edge credit card you can enjoy up to 4 free golf rounds per year at some of the most premium golf courses in India. You will also get a complimentary golf lesson per yes bank credit card statement cycle to sharpen your skill.

• Enjoy freedom from fuel surcharges:

If you use this card to purchase fuel, you will get a 1% waiver on fuel surcharges. This fuel surcharge waiver offer applies to all fuel stations in India and the transaction amount should be between Rs.400 to Rs.5000.

• Complimentary insurance coverage to stand for you in emergencies:

Your yes bank prosperity edge credit card can stand for you with its built-in insurance coverage scheme. The details are given below.

Particulars	Total coverage amount
Air accidental death coverage	Rs.50 lakh
Emergency overseas hospitalization coverage	Rs.15 lakh

You will also get a complimentary credit shield with this yes prosperity edge card.

• Earn extra benefits from milestone spending:

On spending Rs.6 lakh or more with your yes bank prosperity credit card within an anniversary year, you can get up to 15,000 bonus yes bank reward points. 

•  Get an opportunity to make your card lifetime free:

On achieving certain spending milestones, you can earn some attractive gifts. The details are given below.

Credit card usage	Total benefit
Rs.15,000 within the first 90 days of your yes bank credit card activation	A complete waiver on your first-year yes credit card membership fee
Rs.75,000 within an anniversary year	A complete waver on your next year’s yes bank prosperity edge credit card annual fee

• Make repayments easier with the low-cost EMI facility:

Yes Bank allows you to convert your high-value transactions (Rs.2,500 or more) into small monthly installments without any processing fees and at a lower annual interest rate of just 12% to 15%. Make sure to check your available yes prosperity edge credit card limit before applying for an EMI.

• Convenient yes bank credit card bill payment options to make your life easier:

You can pay your yes bank credit card payment online from your yes net banking account or by using any credit card payment app like Cred, Google pay, Paytm, Phone pe, etc. Also, if you don’t like the yesbank credit card online payment options then you can pay your credit card bill offline, more about which are discussed on our yes bank credit card faq page.

• Security of the advanced EMV chip:

This yes bank edge credit card is armed with the advanced EMV chip, these chips use a very strong encryption method to store your data, making your yes bank edge prosperity credit card nearly impossible to clone. 

• Enjoy the convenience of an advanced contactless payment facility:

This yes bank card is equipped with an advanced contactless payment facility, this feature allows you to make payments just by placing your card over any contactless-enabled POS machine. You can also control the contactless payment option from your net banking account, click here to go to the yesbank credit card login page.

What are the yes prosperity edge credit card 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 prosperity edge credit card limit before making a withdrawal)
Yes bank credit card finance charges.	The yes bank credit card interest rate can go up to 3.50% monthly or 42% annually.
Foreign currency transaction fee.	3% against the transaction amount.
Yes bank credit card add on card fee.	None (For up to 3 cards)

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

• Yes bank credit card customer care number: 1800-103-1212 (Toll-Free or 022-4935-0000
• Yes bank credit card customer care email id: yestouchcc@yesbank.in

100xGain Ratings: 

6/10

Pros and Cons of the yes bank property edge credit card:

Pros	Cons
This yes bank prosperity edge credit card offers you free access to domestic and international airport lounges. You can also enjoy some complimentary golf rounds every year. The yes prosperity edge credit card charges seem very reasonable. This card also offers handsome fuel surcharge waivers every month.	There are no dining benefits on this yes bank prosperity edge credit card. This card is not very good for shopping. The rate of earning yes bank credit card rewards is not that good.

Final Opinion:

After analyzing the yes bank prosperity edge credit card benefits it can be said that it is one of the most complete credit cards from Yes Bank. It is a lifestyle credit card best suited for those who want premium benefits at a low cost. You will get lounge access, complimentary golf rounds, handsome fuel surcharge waivers, insurance coverage, and lots more. 

But if you want to spend more to have a more premium credit card then you can visit our top premium credit cards page. You can also compare the alternative card options given below.

Alternative of yes bank edge card: 

1. ICICI bank carbon credit card (Best for cashback and lounge access benefits) 
2. Indusind bank iconia credit card (Best for lounge access and movie benefits) 
3. Kotak mahindra league platinum card (Best for reward points and golf benefits)
4. Doctors sbi credit card (Best for offering lounge access benefits)