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Yes Prosperity Rewards Plus Credit Card

Apply YES Prosperity Rewards Plus Credit Card

Annual Fee

499?*

Reward Type

Rewards

Joining Fee

499?*

View Details

Features

  • Free Add on Card available for 1 family member of the applicant
  • Best Interest Rates starting from 3.75% pm & Foreign Currency Markup of 3.40%. T&C Apply
  • Upto 3 reward points for every Rs.100 spent. Reward points that never expire.
  • Welcome benefit of 1,250 Reward Points on total spends of INR 5,000 or more within 30 days of card set-up
  • Accelerated earn rate on your Birthday, Online, Dining and International Spends
  • 12,000 Bonus Reward Points on spends of INR 3.6 Lakhs or more every anniversary year
  • Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
  • Special Offers across Dining, Shopping, Travel and more.

Pricing

  • Interest Rate: 3.5% pm
  • Processing Fee: NIL
  • Joining Fees: NIL
  • Annual Fees: NIL

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 Rewards Plus Credit Card

The YES Prosperity Rewards Plus Credit Card provides accelerated rewards on dining, birthdays, international and online spends. These rewards can be redeemed for products that the customer chooses.

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 built a Corporate, Retail and SME Banking franchise, with a great 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 Rewards Plus Credit Card Features

  • For every Rs.100 that is spent on retail spends, the customer can earn 5 reward points on his/her birthday
  • For every Rs.100 that is spent on international spends, the customer can earn 4 reward points.
  • For every Rs.100 that is spent on online and dining spends, the customer can earn 3 reward points.
  • For every Rs.100 that is spent on all other retail spends, the customer can earn 2 reward points.
  • The customer can also earn 100 reward points by doing 4 transactions of Rs.500 or more within his/her statement cycle. This is only valid for the first six statement cycles though.
  • The credit card comes with a secure password for online transactions.
  • 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.

YES Prosperity Rewards Plus Credit Card Benefits

  • 1,250 welcome reward points are given to the customer on spends of Rs.5,000 within the first 30 days of the card set-up date.
  • The customer can also earn 12,000 bonus reward points if he/she has spent Rs.3.6 lakhs or more on each anniversary year.
  • There is also an insurance coverage (Credit Shield cover) that is provided to the primary cardmember in the case of an accidental death.
  • There is a fuel surcharge waiver that is provided at all fuel stations across the country for transactions between Rs.400 and Rs.5000.

YES Prosperity Rewards Plus Credit Card Annual Fee

The YES Prosperity Rewards Plus Credit Card has a first-year membership fee of Rs.499 which is reversed on spends of Rs. 10,000 within 90 days of the credit card’s set up. There is a renewable membership fee of Rs.499 that is also reversed on spends of Rs.50,000 within 12 months before the renewal.

Eligibility for YES Prosperity Rewards Plus Credit Card

In order to be eligible for a YES Prosperity Rewards Plus 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.25,000 per month or Income Tax Returns of Rs.5 lakhs or above

Documents required for YES Prosperity Rewards Plus 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 Rewards Plus Credit Card’s reward points on exclusive products form the catalogue and choose what is best needed. The redemption of these reward points works against JPMiles.

1 JPMile = 4 reward points.

The reward point catalogue consists of electronics, mobiles, gift cards, vouchers, personal care products, air miles and more.

YES Prosperity Rewards Plus Credit Card FAQs

1. What if my card is lost/stolen?

If you happen to lose or misplace your credit card, call the credit cards customer service credit cards customer service, and report the card lost/stolen.

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

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

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

The YES Prosperity Rewards Plus Credit Card has a first-year membership fee of Rs.350 which is reversed on spends of Rs.7,500 within 90 days of the credit card’s set up. There is a renewable membership fee of Rs.350 that is also reversed on spends of Rs.25,000 within 12 months before the renewal.

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

Reward points can be redeemed from a catalogue that consists of electronics, mobiles, gift cards, vouchers, personal care products, air miles and more.

Customer Reviews

4 / 5 (234 Reviews)
30 Aug 2018

Good one

21 Jun 2018

thanks to give to apchunet

13 Mar 2018

Best Service

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