YES Prosperity Rewards Credit Card Review

Yes Bank provides lots of credit cards to its customers to cater to various needs. Yes Prosperity Reward Credit Card is a low-cost credit card that is specially designed to fit your budget and offers attractive benefits and features. The benefits offered by this card are reward benefit, fuel surcharge waiver, milestone benefit, fee waiver, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly or income tax return should be ₹5 lakh or more.
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly or income tax return should be ₹5 lakh or more.
  • 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: ₹299 + GST
  • Annual Fee: ₹299 + GST


  • Reward benefit:

If you spend ₹200 on grocery stores and supermarkets, you will get 4 reward points, also you will get 2 reward points for the same on other categories. 

If you register for Yes PayNow you will get 500 bonus 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)

  • 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.

  • Milestone benefit:

If you spend ₹1.8 lakh or more within an anniversary year you will get 10,000 reward points. 

  • Fee waiver:

 If you can spend ₹5,000 within 90 days of the card issuance you will get a 100% waiver on your joining fee. 

Also if you can spend ₹25,000 within a year then the annual fee of the card will be waived off.  

  • 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% monthly.  

Contact Details:

Call: 18001031212


Mail: [email protected]

100xGain Ratings:


Final Opinion:

This card is best for earning reward points from everyday use. It offers 4 reward points on grocery and shopping, milestone reward benefit, joining and annual fee waiver, EMI option, fuel surcharge waiver, etc. So at ₹299 annual fees, it is a good credit card for everyday use. And you can earn some decent benefits if you can use it properly. 

But if you are looking for entertainment benefit or travel benefits then I would not recommend you this card. Instead, if you want entertainment benefits then you can go for ICICI Coral American Express Credit Card, and if you want benefits on travel then you can go for IndusInd Bank InterMiles Voyage Credit Card

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