YES Prosperity Rewards Credit Card Review

The yes prosperity rewards credit card is specifically designed to complement your credit card transactions with powerful rewards. Targeting the reward lovers this card offers useful yes bank reward points with every transaction, attractive monthly waivers on fuel surcharges, attractive deals on lifestyle categories, and lots more. A detailed description of the yes rewards card benefits is given below.

Who can apply for the yes bank prosperity rewards credit card?

  • Resident Type: Indian. 
  • Yes credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly.
  • Yes card eligibility criteria for self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: Annual income tax return should be greater than Rs.5 lakh.
  • A CIBIL score of 680+ is required to apply for this yes bank credit card.

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

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • 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.

What are the yes bank prosperity reward card fees?

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

What are the yes prosperity rewards credit card benefits?

  • Make your transactions more rewarding:

Your every credit card transaction can earn you assured yes rewards points.

Category of transaction

Yes bank rewards for every Rs.200 transaction

Regular retail transaction

2 yes credit card rewards

Selected categories

1 yes reward point

You can use your rewards to get a product from the yes rewards redemption catalog. You can also convert them into air miles, (10 yes bank points = 1 air mile).

  • Get freedom from fuel surcharges:

This yes bank credit card features a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5000.

  • Opportunity to earn something extra:

On spending Rs.1.8 lakh or more within an anniversary year, you can get 10,000 yes card rewards.

  • Make your card lifetime free:

Depending on your credit card usage you can get your credit card renewal fee waived off.

Credit card usage


Rs.5,000 within the first 90 days of your yes bank credit card activation

Complete waiver on joining fee

Rs.12,000 within an anniversary year

Complete waiver on your nest year’s yes credit card annual fee

  • Experience attractive deals on lifestyle categories:

Your yes bank credit card offers an array of attractive deals on lifestyle, shopping, or travel categories. Click here to find the latest deals and offers.

  • Enjoy easy bill splitting:

Using the Yes credit card emi facility, you can convert any credit card transaction (over Rs.1500) into small monthly installments.

  • Advanced security arrangements:

Ths yes bank card is armed with the advanced EMV chip, this chip with its next-gen encryption method makes your card extremely resistant to credit card cloning.

What are the yes bank prosperity rewards credit card charges?


Chargeable amount

Yes bank credit card cash withdrawal charges

2.5% against the withdrawn amount, min Rs.300 (check your yes card withdrawal limit before making a withdrawal)

Yes prosperity card finance charge

3.5% monthly or 42% annually (applicable if your yes bank credit card payment is not made in time)

International credit card transaction charge 

3.40% against the transaction amount

Add on card fee


How to contact the yes bank credit card helpline department?

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

100xGain Ratings: 


Pros and cons of the yes bank rewards credit card:



  • You can earn useful yes prosperity rewards with every transaction.
  • There are no dining or entertainment benefits on this yes rewards credit card.
  • This card does not have any travel benefits.

Final Opinion:

For earning reward points, this card can be really helpful. This card offers upto 2 yes bank reward points for every Rs.200 transaction, and the best part is that you can later convert those points into air miles and use them for travel booking.

But the major drawback of this yes bank credit card is that it does not have any significant offers on dining, entertainment, or shopping categories, which reduces the interest in this card. So, if you are looking for a better alternative, then you can take a look at the yes prosperity rewards plus credit card, or you can visit our best rewards credit card page.

Alternative cards of the yes bank rewards card: 

  1. Bank Of Baroda Prime Credit Card (Best for cashback and reward benefits) 
  2. ICICI Bank Ascent American Express Credit Card (Best for reward and lounge benefits)
  3. RBL World Safari Credit Card (Best for travel benefits)
  4. RBL Platinum Bonus Supercard (Best for reward points)


2 thoughts on “YES Prosperity Rewards Credit Card Review”

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