YES Prosperity Rewards Plus Credit Card

There are so many credit cards available for the customers of YES Bank. YES Prosperity Reward Plus Credit Card is one of them. It is one of the best card for grocery and supermarket spending. It has also some awesome features which can help you to earn more reward. It has some facilities such as welcome gift, reward points, movies offer, lifestyle benefits, fuel surcharge waiver, Concierge services, auto assistance, travel offer etc. Lets discuss about the card-

Eligibility Criteria:

  • Age: The applicant should be 21 years old and he/she should not be old more than 60 years.
  • Citizenship: Applicant should be an Indian or non resident Indian.
  • Occupation:  Applicant should be salaried or self employed.

Applicant should have a good credit score.

  • Income:

Applicant should have a good source of income.  Net income should be Rs.25000 per month. If you are a self employed customer then the Income tax return should be Rs.5 lakh or more.

If you have a fixed deposit in YES Bank you can apply for this card.

Required Documents:

  • Identity proofs: Voter card and Aadhaar card, Driving license, passport, Ration card.
  • Address proof: Ration card, aadhaar card, electricity bill, telephone bill.
  • Income proofs: 

For salaried applicants: Last 3 month’s bank statement, salary slip of last 3 months or any document of income.

For self employed applicants: Recent Income Tax Returns, Balance sheets.

  • PAN card
  • Photographs.

Fees:  Rs.499 + GST  for joining fees

Rs.499 + GST renewal fees.

No add-on card fee. ( for up to 3 cards).

Privileges on YES Prosperity Rewards Plus Credit Card:

  • Welcome benefits:  There are some welcome reward for you if you choose this card. After paying the joining fees you will get a SMS of welcome gift vouchers on your mobile number which is registered in the Bank. You will be able to choose your welcome gift by replying the SMS or by calling the customer care number.
    • If you spend Rs.5000 or more within 30 days of receiving the card you will get 1250 reward points.
    • If you spend Rs.3.6 lakhs or more in a year you’ll get 12000 Bonus reward points.
    • You will get extra reward on your birthday.
  • Reward Points: You can earn reward points by spending.
    • If you spend Rs.100 at grocery stores, supermarkets you’ll get 3 reward points.
    • If you spend Rs.100 for all other  purposes you will get 2 reward points.
    • If you register on YES PayNow you’ll get 500 reward points.
    • You’ll get 5 reward points if you spend Rs.100 on your birthday.
    • You’ll get 4 reward points if you spend Rs.100 for International purchases.
    • You will get 3 reward points if you spend Rs.100 for online shopping and dining.
    • You’ll get 100 reward points if you transact four times of Rs.500 in a billing cycle.

These reward points are redeemable and you can redeemed these through flight booking, movie tickets bookings, hotel bookings, or through cash credit or InterMiles or club Vistara, or JPMile. ( 8 reward points is equals to 1 InterMiles or Club vistara point and 4 reward points is equals to 1 JPMile)

  • You can also redeemed through purchasing new reward catalogues from YES Bank.
  • Insurance Policy:
  • You will get a cover of Credit Shield for accidental death.
  • Concierge Services: You will get concierge services with this card which is available in 24×7. With this facility you can avail pre-trip assistance, flight booking, hotel reservation, sports and entertainment booking , ordering flowers and gifts for your special one.
  • Assistance:  If any problems comes to in emergency services, this credit card will help you in your emergency time. Just call at auto assist care. You can avail this offer in this cases-
  •  Roadside repair
    • Emergency fuel service
    • Tire services
    • Losing of keys
    • Battery service
    • Emergency towing assistance
    • Accident Management and medical assistance. Etc.
  • Fuel surcharge waiver:  You will get freedom from 1% fuel surcharge if you spend at any petrol pump in India. The savings will depend on your spending. To avail this offer you have to transact between Rs.400 to Rs.5000.
  • Contactless Card Features:  You can transact without contact with the help of NFC Technology.   You can use the Card for your daily purchases. For transaction, go to any secure reader and wave your card smoothly.

It is fast and convenient that it is very unnecessary to give your card to anybody for everyday small purchases.

It is very secure. If you transact without contact , the card will always attached in your hand.

  • Password protection for Online Transactions:  This card is very secure for online transactions.
  • Security for IVR Transaction:  For IVR transactions you need a OTP. You have to send a 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.
  • Lifestyle Benefits:  You will get some awesome offers on travel, dining, wellness, shopping and many more.
  • Other services:  It has also Instant EMI, EMI on call, Quick Loan, YES PayNow, Card Protection Plan etc.
  • Online services: You can pay your bill of the card through Net Banking, ATM Fund Transfer, Standing Instruction, NEFT, IMPS, RTGS, Cheque payment, Cash payment at YES Bank branch, YES mobile App, YES Pay app etc.
  • Charges: 
    • Interest rate 3.5% per month and 42% per year.
    • Finance charges 2.99% for YES Bank cardholders and 3.22% for non- YES Bank cardholders.
  • Cash advance charges 2.5% of advance amount.
    • Late payment charges:
      • Rs.0 for up to Rs.100
      • Rs.100 for Rs.101 to Rs.500
      • Rs.400 for Rs.501 to Rs.5000
      • Rs.500 for Rs.5001 to Rs.20000
      • Rs.700 for Rs.20000 and more.
    • Overlimit charges 2.5% of overlimit amount ( minimum Rs.500).
    • Rs.350 for returning cheque.
    • Rs.100 for requesting duplicate statement.
    • Rs.100 for replacement of the card.
    • Foreign currency mark-up 3.40%
  • Customer Care:  For more details you can contact in this 24×7 helpline number 1800 103 1212.
  • Rating: 4 stars.
  • Final Opinion: If you are searching for a credit card for your daily purchases at grocery stores and supermarkets, you can use this credit card. It has all the world-class facilities which can help you to save money.
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