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Yes Prosperity Edge Credit Card

Apply YES Prosperity Edge Credit Card

Annual Fee

Nil

Reward Type

Rewards

Joining Fee

Nil

View Details

Features

  • Free Add on Card available for 1 family member of the applicant
  • Best in class Interest Rates starting from 2.4% pm & Foreign Currency Markup of 3%. T&C Apply
  • Upto 4 reward points for every Rs.100 spent. Reward points that never expire.
  • Welcome benefit of 1,500 Reward Points on total spends of INR 7,500 or more within 30 days of card set-up
  • Complimentary Priority Pass Membership and Domestic Lounge Access
  • Accelerated earn rate on your Birthday, Online, Dining and International Spends
  • Redeem Reward Point for Airline Ticket / Hotel Booking or Movie Tickets booking on Dedicated Rewards Redemption Portal
  • 15,000 Bonus Reward Points on spends of INR 6 Lakhs or more every anniversary year
  • Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000

Pricing

  • Interest Rate: 3.5% pm
  • Processing Fee: NIL
  • Joining Fees: NIL
  • Annual Fees: 1000 + Applicable Taxes (Waived off on spending of over 75000 annualy)

Documents Required

  • ID Proof - Pan Card/ Driving License/ Passport/ Voter ID card/ Aadhar card (with Photo)/ Letter issued by Unique Identification authority of India (with Photo)/ NREGA Card(with photo)
  • Salaried; Employee ID with Office Address/Visiting card with email ID (Mandatory)
  • Address Proof - Driving License/ Passport/ Voter ID card/ Aadhar card (with Address)/ Letter issued by Unique Identification authority of India (with Address)/ NREGA Card(with Address)
  • Signature Proof - Pan card/ Driving License/ Passport/ NREGA Card(with Signature)
  • Salaried Income Proof - Last 2 months Salary slip (Salary Proof not required if applicants salary account is with Yes Bank)
  • Salaried - Last 2 months Credit Card Statement and Card Face Image
  • Self Employed Income Proof: Last 1 year ITR
  • Self-employed - Last 2 months Credit Card Statement and Card Face Image
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Overview of YES Prosperity Edge Credit Card

The YES Prosperity Edge Credit Card provides great welcome reward points, accelerated rewards on birthdays, international and online spends and preferential interest rates on revolving credit.

About YES BANK

YES BANK is said to be India’s fourth largest private sector Bank. It is a “Full Service Commercial Bank” that has developed a Corporate, Retail and SME Banking franchise, with a wide product range including Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking and Wealth Management business lines that are spread across India.

YES Prosperity Edge Credit Card Features

  • For every Rs.100 that is spent on retail spends, the customer can earn 6 reward points on his/her birthday
  • For every Rs.100 that is spent on international spends, the customer can earn 5 reward points.
  • For every Rs.100 that is spent on online spends, the customer can earn 4 reward points.
  • For every Rs.100 that is spent on all other retail spends, the customer can earn 3 reward points.
  • For every YES PayNOW registration, the customer gets 500 reward points.
  • There is an Interest Rate of 2.99% per month only on revolving credit, cash advances and overdue amount for card holders who have a YES BANK salary or savings account.
  • There is an Interest Rate of 3.22% per month only on revolving credit, cash advances and overdue amount for card holders who do not have a YES BANK salary or savings account.
  • Preferential Foreign Currency Markup of 3% is given.
  • Life insurance coverage of Rs.50 lakhs is provided for death due to air accidents.
  • Medical insurance coverage of Rs.15 lakhs is provided as cover on medical emergencies when travelling overseas.
  • Credit shield cover on accidental death of the primary cardholder is provided.
  • This credit card has contactless technology which enables fast, convenient and secure payments at all retail shops.
  • MasterCard SecureCode can be created to secure online transactions

YES Prosperity Edge Credit Card Benefits

  • 1,500 welcome reward points are given to the customer on spends of Rs.7,500 within the first 30 days of the card set-up date.
  • The customer can also earn 15,000 bonus reward points if he/she has spent Rs.6 lakhs or more on each anniversary year.
  • There is a fuel surcharge waiver that is provided at all fuel stations across the country for transactions between Rs.400 and Rs.5000.
  • There is a Card Protection Plan which is a protection service in case of card loss, theft or any similar fraud and emergencies.
  • There is an Instant EMI feature on this YES BANK credit card.
  • There is a MasterCard World Gold Programme wherein one can enjoy a waiver of 3 Green Fee at select golf courses in India and enjoy 1 complimentary golf lesson every month at select golf courses in India.

YES Prosperity Edge Credit Card Annual Fee

The YES Prosperity Edge Credit Card has a first-year membership fee of Rs.1,000 which is reversed on spends of Rs.15,000 within 90 days of the credit card’s set up. There is a renewable membership fee of Rs.1,000 that is also reversed on spends of Rs.75,000 within 12 months before the renewal.

Eligibility for YES Prosperity Edge Credit Card

In order to be eligible for a YES Prosperity Edge Credit Card, the customer must meet certain eligibility criteria for the same. The eligibility criteria is as follows:

  • One must be a minimum of 21 years of age and a maximum of 60 years of age.
  • One must either be a salaried individual or self-employed individual
  • Should have a minimum net salary of Rs.60,000 per month or Income Tax Returns of Rs.7.20 lakhs or above

Documents required for YES Prosperity Edge Credit Card

The documentation is very simple. One will be needed to submit the following:

  • 2 passport size photos and a signature-bearing national identity card
  • Proof of address which can be submitted in the form of a Ration card, an electricity bill, passport, etc.
  • PAN card, Form 16 and Income Tax Returns
  • Proof of salary, employment / proof of business details
  • Last 3 months salary statement.

Redemption of Reward Points

One can redeem the YES Prosperity Edge Credit Card’s reward points on the dedicated website for reward points redemption on flights, hotels or movie ticket booking.

Rs.0.25 = 1 reward point

There is an exclusive catalogue of products to choose from for the customer.

1 JPMile = 4 reward points (for Air-miles)

YES Prosperity Edge Credit Card FAQs

1. What if my card is lost/stolen?

There is a Card Protection Plan (CPP) which is a protection service in case of card loss, theft or any similar fraud and emergencies.

2. How can I check my eligibility for the YES Prosperity Edge Credit Card?

You can check your eligibility for a YES Prosperity Edge Credit Card with CreditMantri by creating your credit profile.

3. What is the annual fee of YES Prosperity Edge Credit Card?

The YES Prosperity Edge Credit Card has a first-year membership fee of Rs.1,000 which is reversed on spends of Rs.15,000 within 90 days of the credit card’s set up. There is a renewable membership fee of Rs.1,000 that is also reversed on spends of Rs.75,000 within 12 months before the renewal

4. How can I redeem my reward points with this credit card?

One can redeem the YES Prosperity Edge Credit Card’s reward points on the dedicated website for reward points redemption on flights, hotels or movie ticket booking.

Rs.0.25 = 1 reward point

There is an exclusive catalogue of products to choose from for the customer.

Customer Reviews

4 / 5 (24 Reviews)
11 Dec 2018

Good App

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