YES Prosperity Rewards Credit Card

YES Prosperity Rewards Credit Card lets you earn reward points on multiple categories, including shopping, retail, travel, dining and more. This credit card also allows you to redeem your earned reward points against an exclusive catalogue of products. Here are some of the key features and benefits of this credit card:

Up to 5X Reward Points

With this credit card, you can earn up to 5X reward points on your transactions. Here are the details regarding the same:

• 2 reward points per Rs. 200 spent on all retail purchases
• 1 reward point per Rs. 200 spent on selected categories*
• 5X reward points on first 3 transactions of the biller registered on YES PayNow (valid only on the first 5 billers registered)
• 10,000 bonus reward points on spending Rs. 1.8 lakh in a year

*Click here to view the list of categories

Other Benefits

Apart from the rewards, this credit card also offers other benefits, such as fuel surcharge waiver, annual or joining fee waiver and more. Below mentioned are the details regarding the same:

Fuel Surcharge Waiver: 1% fuel surcharge waiver across all fuel stations in India on your transactions between Rs. 400 and Rs. 5,000.

Fee Waiver: You can also avail first year and renewal fee waiver as per the below details:

• First Year Fee Waiver: First year fee is waived off on spending Rs. 5,000 within 90 days of card activation
• Renewal Fee Waiver: Annual/ renewal fee waiver on spending 25,000 in the previous year

Foreign Currency Markup Fee: This card charges a foreign currency markup fee of 3.40%.

Below mentioned are the fees and charges associated with this credit card:

Type of Fee/ Charge	Amount
Joining Fee	Rs. 399 (Waived off on spending Rs. 5,000 within 90 days of card activation)
Annual Fee	Rs. 399 (Waived off on spending Rs. 25,000 in the previous year)
Finance Charges	3.50% p.m. (42% p.a.)
Late Payment Fee	For Statement Balance: Less than Rs. 100: Nil Between Rs. 100 & Rs. 500: Rs. 150 Between Rs. 501 & Rs. 5,000: Rs. 500 Between Rs. 5,001 & Rs. 20,000 Rs. 750 Over Rs. 20,000: Rs. 1,000

Click here to check other associated fees and charges.

The applicant must fulfil the below-mentioned eligibility criteria to apply for this credit card:

Particular	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 25,000 p.m.
Minimum Income for Self-employed Applicants	ITR> Rs. 5 lakh p.a.
Age Requirement	21 to 60 years
Documents Required	Click here for the list of acceptable documents
Serviceable Cities	Click here for the list of eligible cities

YES Prosperity Rewards Credit Card is a rewards credit card that is best suited for people who are new to credit as it comes with relaxed eligibility criteria. With this credit card, you can avail reward points on every transaction and later redeem them against various products available on catalogue or Airmiles. Apart from the reward points, this credit card does not offer much to its users, you can avail basic benefits like fuel surcharge waiver and joining/ annual fee waiver. Overall, if you are a beginner and want to apply for a rewards credit card, then this is a suitable option for you. However, if you are the one who prefers cashback instead of reward points, then you can look for top cashback credit cards available in the market.

If you are looking for similar credit cards, then you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
Standard Chartered Platinum Rewards Credit Card	Rs. 250	5 reward points for every Rs. 150 spent on dining, fuel and 1 reward point on other categories
HSBC Smart Value Credit Card	Rs. 499	1 reward point for every Rs. 100 spent and 3X accelerated reward points on online, dining and telecom categories
Citibank Rewards Credit Card	Rs. 1,000	10 reward points on every Rs. 125 spent on apparel and departmental stores (online & in-store)
IndusInd Bank Platinum Aura Credit Card	Rs. 899	4 reward points for every Rs. 100 spent on selected merchant categories

Q. How can I apply for YES Prosperity Rewards Credit Card?

A. You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of the bank to fill out the application form. In case you want to apply offline, you need to visit the nearest branch of the bank to begin with the application.

Q. What is the cash advance charged on YES Prosperity Rewards Credit Card?

A. The cash advance fee charged on YES Prosperity Rewards Credit Card is 2.5% of the withdrawn amount or minimum Rs. 300 (whichever is higher). These charges will be levied on the amount withdrawn and would be billed to your next monthly statement.

Q. What is the interest-free period offered on YES Prosperity Rewards Credit Card?

A. With YES Prosperity Rewards Credit Card, you will get an interest-free period of up to 50 days. However, this interest-free period is not applicable if the previous month’s statement balance has not been cleared in full on or before the due date.

Q. I already have a credit card. Can I apply for YES Prosperity Rewards Credit Card?

A. Yes, you can apply for more than one credit card. However, you must meet the minimum income criteria set by the bank to apply for this credit card. The minimum monthly income requirement for salaried applicants is Rs. 25,000 per month, whereas self-employed applicants must have an ITR of at least Rs. 5 lakh per annum to apply for this credit card.

Q. What is the maximum credit limit offered on YES Prosperity Rewards Credit Card?

A. The credit limit is decided by the bank after scrutinizing your application. While deciding your credit limit, the bank considers various factors like credit score, repayment capacity, monthly income and more. Therefore, you will get to know about your credit limit only after applying for the credit card.

Q. How can I pay my YES Prosperity Rewards Credit Card bill?

A. You can pay your credit card bill via online as well as offline modes. To pay your bills online, you can use services like internet banking, RTGS/ NEFT, billdesk or standing instruction. You can also pay your credit card bill offline via cheque or cash.

Q. How can I change my contact number linked with YES Prosperity Rewards Credit Card?

A. You can change your registered mobile number by calling on Yes Bank Credit Care Customer Care on 1800 103 1212. Additionally, you can also drop an email requesting to change your registered mobile number on yestouchcc@yesbank.in.