YES Prosperity Rewards Plus Credit Card Review

Among the several credit cards offered by Yes Bank, YES Prosperity Rewards Plus Credit Card is a card that is specially designed for everyday use. It is a low-cost credit card that offers exclusive benefits and features. The benefits offered by this card are reward benefit, insurance coverage, milestone benefit, lifestyle benefit, fuel surcharge waiver, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • 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: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Reward benefit:

If you spend ₹200 on grocery stores and supermarkets, you will get 6 reward points. also, you will get 4 reward points for the same on other categories. 

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. 

  • Insurance coverage:

This card offers credit shield overage for the accidental death of the cardholder.  

  • Milestone benefit:

If you can spend ₹3.6 lakh within an anniversary year, you will get 12,000 bonus reward points.  

  • Fee waiver:

If you can spend ₹10,000 within 90 days of the card issuance then the joining fee of the card will be waived off. 

Also if you can spend ₹50,000 within a year then the annual fee for the next year 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% against the transaction amount. 

Contact Details:

Call: 18001031212



100xGain Ratings:


Final Opinion:

After analyzing the card 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 ₹499 annual fees, it is a good credit card for daily use. 

But it lacks some benefits like lounge access or entertainment benefits. So if you want those benefits on your card then you can go for HSBC Premier MasterCard Credit Card or Standard Chartered Platinum Rewards Credit Card

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