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Features of YES Bank Prosperity Rewards Plus Credit Card
- Online Shopping Rewards: Cardholders earn 8 YES Rewardz Points for every ₹200 spent on online shopping, excluding select categories such as government services, utilities, and wallet payments. This makes the card particularly appealing for those who frequently shop on e-commerce platforms like Amazon, Flipkart, or Myntra.
- Offline Shopping Rewards: For offline retail spends, the card offers 4 YES Rewardz Points per ₹200 spent, again excluding select categories. This feature caters to users who prefer in-store shopping at supermarkets, department stores, or specialty retail.
- Select Category Rewards: On select categories, including government services, utilities, insurance, rentals, and wallet payments, users earn 2 YES Rewardz Points per ₹200 spent. This ensures that even routine transactions contribute to the rewards tally.
- Bonus Rewards via YES PayNow: The card provides 5X reward points on the first three transactions for each of the first five billers registered through YES PayNow, a platform for setting up automatic utility bill payments. This feature encourages users to streamline their bill payments while earning additional rewards.
- Annual Bonus Points: Cardholders can earn 12,000 bonus reward points by spending ₹3.6 lakh or more in an anniversary year, providing a significant incentive for high spenders.

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- Joining Fee: The card carries a joining fee of ₹399 plus GST, which is reversed if the cardholder spends ₹5,000 within 90 days of card issuance. This low threshold makes it accessible for new users to avoid the initial cost.
- Annual Fee: The annual fee is also ₹399 plus GST, which is waived on spending ₹50,000 within 12 months prior to the renewal date. This encourages consistent usage while keeping the card affordable.
- No Annual Fee Commitment: Unlike premium cards, the Prosperity Rewards Plus Credit Card does not impose a mandatory annual fee, making it a low-risk option for users who may not spend heavily.
- Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. The maximum waiver is capped at ₹125 per month, providing savings for cardholders who frequently refuel their vehicles. This feature is particularly valuable in urban areas where fuel expenses are a significant part of monthly budgets.
- Preferential Foreign Currency Markup: For international transactions, the card charges a preferential foreign currency markup fee of 3.40% plus GST. This is competitive compared to other entry-level cards, which often charge 3.5% or higher. The lower markup makes the card suitable for users who occasionally shop abroad or make online purchases in foreign currencies.
- Contactless Payment Technology: Equipped with NFC (Near Field Communication) technology, the card supports contactless payments, allowing users to make quick and secure transactions by simply tapping the card at compatible POS terminals. This feature enhances convenience and safety, especially for small-value transactions in busy environments like cafes, supermarkets, or public transport.
- Insurance Coverage:
Credit Shield Cover: In the event of the primary cardholder’s accidental death, the card offers a credit shield cover to settle outstanding dues, subject to terms and conditions. This provides peace of mind for users with significant credit card balances.
Shopping Insurance: The card offers insurance coverage for online and offline shopping, protecting against fraudulent transactions or product defects, subject to policy terms. - YES Privileges Program:
Through the YES Privileges program, cardholders gain access to exclusive offers across multiple categories, including:
Dining Discounts: Up to 25% off at partner restaurants through the Dining Fiesta program.
Travel Offers: Special discounts on flight bookings, hotel stays, and travel packages.
Shopping and Wellness: Deals on retail purchases, fitness memberships, and wellness services in select cities. - Reward Subscription Plans: For users seeking to maximize rewards, the card offers optional annual Rewards Subscription Plans, ranging from ₹1,000 to ₹2,000. These plans provide 3X to 5X reward points on select transactions, significantly boosting earnings for high spenders.
- Interest Rates and Charges:
Interest Rate: 3.5% per month (42% p.a.) for unsecured cards or 3% per month (36% p.a.) for cards issued against a fixed deposit.
Cash Advance Fee: 2.5% of the amount or ₹300, whichever is higher.
EMI Conversion: Transactions over ₹2,500 can be converted into EMIs with 12%–15% interest p.a. for 3–24 months with no processing fee. - YES Rewardz Portal: The YES Rewardz portal is a key feature for reward redemption. Users can browse a catalog of electronics, mobiles, gift cards, vouchers, flights, hotels, movie tickets, or even donate to charity—offering flexible options for using reward points.
- Security Features:
EMV Chip: Ensures secure transactions and prevents skimming or cloning.
Two-Factor Authentication: Adds OTP verification for online purchases.
Fraud Monitoring: Real-time fraud detection with instant card-blocking via YES Bank app or support. - Accessibility and Customer Support:
YES Bank Mobile App: Manage your card, view transactions, redeem rewards, and set e-mandates.
24/7 Support: Reach customer service at 8885545255. - Health and Wellness Benefits: The card offers a complimentary annual preventive health, eye, and dental checkup—an exceptional benefit for health-conscious users, especially on an entry-level card.
- Fixed Deposit Option: Users without sufficient income eligibility can get this card against a ₹30,000 fixed deposit, enjoying a lower 3% monthly interest rate. This option improves access for users with limited credit history.
- Milestone Benefits:
Joining Fee Waiver: Spend ₹5,000 within 30 days to get a refund on the joining fee.
Annual Fee Waiver: Spend ₹50,000 in 12 months to waive the next year’s fee.
Bonus Points: Earn 12,000 bonus reward points on annual spends of ₹3.6 lakh. - Flexible Bill Payment Options:
Net Banking: Direct payments via YES Bank platform.
NEFT: Accepts payments from other banks.
Cash & Cheque: Pay at YES Bank branches (cash payments may incur fees).
Auto-Debit: Set automatic payments for hassle-free bill settlement. - Lifestyle Benefits: Enjoy curated lifestyle offers on dining, shopping, travel, and wellness in select cities, giving cardholders access to premium experiences at discounted rates.

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- Fuel Surcharge Savings: For users with regular fuel expenses, the card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India.
- Dining Discounts: This benefit enhances the card’s appeal for food enthusiasts, allowing them to save on dining expenses at premium eateries.
- Travel Benefits:
The card offers several travel-related perks, making it suitable for occasional travelers:
- Air Miles Conversion: The ability to convert reward points into InterMiles or Club Vistara Points enables users to offset flight costs, a significant advantage for those who travel frequently.
- Preferential Foreign Currency Markup: A 3.40% markup fee on international transactions is lower than many competing cards, reducing costs for overseas purchases or travel.
- Travel Offers via YES Privileges: Exclusive discounts on flight bookings, hotel stays, and travel packages enhance the card’s value for leisure travelers.
- Shopping and Wellness Offers: The YES Privileges program provides access to deals on shopping, fitness, and wellness services in select cities.
- Insurance Protection: The card includes insurance benefits to safeguard users:
- Credit Shield Cover: In the event of the primary cardholder’s accidental death, the credit shield cover settles outstanding dues, reducing financial stress for the cardholder’s family.
- Shopping Insurance: Coverage for online and offline shopping protects against fraud or product issues, enhancing user confidence in using the card for purchases.
- Complimentary Health Checkups: A unique benefit of the card is the annual complimentary preventive health, eye, and dental checkup. This feature promotes cardholder well-being and is rare among entry-level credit cards.
- Contactless Payment Convenience: The card’s NFC-enabled contactless payment feature allows users to make quick, secure transactions by tapping the card at compatible terminals.
- Flexible EMI Options: Transactions of ₹2,500 or more can be converted into EMIs with interest rates ranging from 12% to 15% per annum and repayment periods of 3 to 24 months.
- Reward Subscription Plans: For users willing to invest in higher rewards, the card offers optional Rewards Subscription Plans that provide 3X to 5X reward points on select transactions.
- Security and Fraud Protection: The card’s security features ensure safe usage: EMV Chip Technology: Prevents skimming and cloning, safeguarding cardholder data.
- Seamless Digital Management: The YES Bank mobile app allows users to: Track transactions and reward points in real-time. Set e-mandates for recurring payments, simplifying bill settlements.
- Accessibility via Fixed Deposit: For individuals who may not meet the income eligibility criteria, the card can be availed against a fixed deposit of ₹30,000 or more.
- Interest-Free Credit Period: The card provides an interest-free credit period of 20 to 50 days, depending on the billing cycle. This allows users to make purchases and pay later without incurring interest.
- Customer Support Access: YES Bank’s 24/7 customer support is available via: Toll-free number: 8885545255 (India). This ensures users can resolve queries or report issues promptly.
- Lifestyle Enhancement: The card’s lifestyle benefits, including dining, shopping, travel, and wellness offers, allow users to enjoy premium experiences at discounted rates.
- Reward Points Never Expire: Unlike some credit cards, the YES Prosperity Rewards Plus Credit Card’s reward points do not expire, allowing users to accumulate points over time and redeem them at their convenience.
- Competitive Interest Rates: The card’s interest rate of 3.5% per month for unsecured cards or 3% per month for fixed deposit-backed cards is competitive for an entry-level card.
- Air Miles Conversion: The ability to convert reward points into InterMiles or Club Vistara Points enables users to offset flight costs, a significant advantage for those who travel frequently.