YES Prosperity Edge Credit Card Review

There are several credit cards available from Yes Bank, each card has its uniqueness, and YES Prosperity Edge Credit Card is one of them. It is a low-cost premium credit card. It offers several premium benefits and features like reward benefits, lounge access, golf facility, fuel surcharge waiver, insurance coverage, annual fee waiver, and lots more. You will also get some lifestyle benefits with this card.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹45,000 monthly or Income tax return should be above ₹5.4 lakh. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹45,000 monthly or Income tax return should be above ₹5.4 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: ₹1,199 + GST
  • Annual Fee: ₹1,199 + GST 


  • Reward benefit:

If you spend ₹200 on grocery stores and supermarkets, you will get 8 reward points. Also, you will get 4 reward points for the same on other categories.

If you register for Yes PayNow, you will get 500 reward points.  

You can redeem those reward points very easily you can redeem them against various products available in the reward catalog or you can redeem them into Air Miles, (10 reward points = 1 air mile)

  • Lounge access:

You will get complimentary lounge access per year with the help of the priority pass membership of this card. This offer is only valid for primary cardholders. You’ll be charged 27USD for all visits visit. You will get up to 2 domestic lounge accesses per quarter to more than 30 lounges in India. 

  • Golf:

This card offers 4 complimentary golf games per year and 1 complimentary golf lesson per month. You can use the benefits in the leading golf clubs of India. You have to call on 1800 102 6263 for bookings. 

  • 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 up to ₹50 lakh coverage against air accidental deaths, and ₹15 lakh coverage for emergency hospitalization while traveling abroad. 

You will also get a credit shield for accidental deaths. 

  • Milestone benefit:

If you can spend ₹6 lakh or more within an anniversary year, you will get 15,000 bonus reward points. 

  •  Fee waiver:

If you can spend ₹15,000 within 90 days of the card issuance, you will get a 100% waiver on your joining fee. 

Also if you can spend ₹75,000 within a year then the annual fee will be waived off for the next year.  

  • 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% against the transaction amount. 

Contact Details:

Call: 18001031212


Mail: [email protected]

100XGain Ratings:


Final Opinion:

After analyzing the benefits of the card 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, fuel surcharge waiver, insurance coverage, and lots more. 

But if you want to send more to have a more premium credit card then you can go for RBL Bank Icon Card, and if you want to spend more, then you can go for ICICI Bank Diamant Credit Card.  

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