Yes Prosperity Rewards Plus Credit Card Review

If you are looking for powerful rewards at an affordable rate, then you should take a look at the yes prosperity rewards plus credit card. This card features a perfect blend of affordability and usefulness. Offering powerful rewards on every transaction, exclusive waiver on fuel surcharges, and extra rewards on milestone spends. This card brings so much value with it that it can easily offset the Rs.499 annual fee. More about the benefits of yes bank credit card is discussed below.

How does the Yes Prosperity Rewards card eligibility criteria work?

• Resident Type: Indian. 
• Yes bank credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs.25,000 monthly. 
• Yes credit card credit card eligibility criteria for self-employed person:
  • Age: 21 to 60 yrs. 
• Income: Rs.25,000 monthly. A good CIBIL Score (above 740) is mandatory to apply for this yes prosperity rewards plus card.

As you submit your yes credit card application, you will get a unique application id. Later you can use that to track your yes bank card application status.

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) 
  • 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. 

What are the Yes prosperity rewards card fees?

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

What are the yes prosperity rewards plus credit card benefits?

• Make every transaction rewarding:

With your yes bank prosperity rewards plus credit card you can earn reward points for every transaction you make.

Category of transaction	Rate of earning reward points
Select categories (utilities, groceries, Tax payment, etc.)	2 yes credit card rewards for every Rs.200 transaction
All other transactions (excluding, fuel purchase, cash withdrawal, EMI payment, wallet top-up, etc.)	4 yes bank rewards for every Rs.200 transaction
Rs.3.6 lakh within an anniversary year	12,000 bonus yes rewards

You can redeem those yes bank credit card rewards against various products available in the yes bank credit card rewards points redemption catalog or you can redeem them into Air Miles, (10 yes prosperity rewards = 1 air mile)

• Enjoy freedom from fuel surcharges:

If you choose this yes prosperity rewards to purchase fuel, you will get a 1% waiver on fuel surcharges. This yes prosperity card offer applies to all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5000. 

• Opportunity to make your yes bank credit card lifetime free:

On spending Rs.10,000 within the first 90 days of the card activation, you can get a complete waiver on your first-year yes prosperity rewards card joining fee.

Also on spending Rs.50,000 within a year you can get a complete waiver on your next year’s yes bank credit card annual charges.

• Security of the Yes bank credit shield coverage:

In case of accidental death of the cardholder, the credit shield will cover the outstanding on your yes bank prosperity credit card.  

• Enjoy exclusive lifestyle benefits like never before:

You will get some awesome offers on travel, dining, wellness, shopping, and many more. Click here to find the latest yes bank credit card offers.

• Enjoy easy bill splitting:

This yes prosperity rewards credit card allows you to convert any of your transactions over Rs.1500 into EMI. This feature is very helpful for frequent shoppers. You can calculate the yes bank credit card emi interest rate and monthly installment amount from the yes bank emi calculator.

• Exclusive Yes Bank credit card facilities:

This card lets you get access to the very useful yes bank credit card features including Quick loan facility, Yes Paynow facility, Card Protection Plans, etc.  

• Security of the advanced EMV chip:

This yes prosperity card is armed with the most advanced EMV chip. Those chips use a very strong encryption method to store your data, making your yes prosperity rewards plus card almost impossible to clone.

What are the yes prosperity rewards plus credit card charges?

Particulars	Payable amount
yYs bank credit card cash withdrawal charges	2.5% against the withdrawn amount, min Rs.500 (Check your available yes prosperity rewards plus credit card limit before making a withdrawal)
Finance charge	The yes bank credit card interest rate can go up to 3.50% monthly or 42% annually
Yes bank credit card international transaction charges	3.40% against the transaction amount
Add-on card fee	None (for up to 3 cards)

How to contact the yes credit card customer care department?

• Call the yes bank credit card customer care no: 1800-103-1212 (Toll Free) or 022-4935-0000
• Write to the yes bank credit card customer care email id: yestouchcc@yesbank.in 

100xGain Ratings: 

7.5/10

Pros and cons of this yes prosperity credit card:

Pros	Cons
This yes bank prosperity rewards plus credit card features a very good reward earning rate. You can earn a big waiver on fuel surcharges. There is also an annual fee waiver option available on this yes rewards plus credit card.	There are no dining benefits on this yes prosperity card. You will not get any movie benefits from this yes bank prosperity reward plus credit card.

Final Opinion:

After analyzing the yes bank rewards credit card benefits it can be said that this card is best for everyday uses and also for earning reward points from shopping and daily uses. It also offers some other benefits like insurance coverage, fuel surcharge waiver, fee waiver, milestone benefit, etc. So at Rs.499 annual fees, it is a good credit card for daily use. 

But this yes rewards credit card lacks premium facilities like lounge access, and hotel booking or travel benefits. So if you are looking for a more premium option, then you should take a look at our top credit card pages. You can also compare the alternative options given below.

Alternative cards of the yes bank reward plus credit card: 

1. HSBC smart value credit card (Best for offering reward points)
2. Kotak urbane gold credit card (Best for offering reward points and movie benefits) 
3. RBL platinum choice supercard (Best for reward points and movie benefits) 
4. SBI central select plus credit card (Best for offering reward points)

Also, if you want to know Which is the best credit card in YES Bank? then make sure to take a look at our yes credit cards page.