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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 1.2% | 1.8% | 1.6% | 1.2% | 1.1% |
| Est. Monthly Reward (₹) | 60 | 180 | 310 | 615 | 1,095 |
| All-India Rewards Rank* | 18 | 14 | 28 | 83 | 103 |
| Within Bank Rank* | 1 | 1 | 1 | 2 | 5 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The YES Prosperity Cashback Credit Card is the best credit card from YES Bank, if you spend less than ₹50,000 a month on your card.
The Prosperity Cashback offers 5% Cashback for spending on movies, grocery and utility bill payments and 0.50% Cashback on all other spends except fuel. One caveat with this card is that the enhanced 5% rewards on bill payments are only available when you pay using the YES PayNow service.
You can earn a net reward yield of 1.1-1.8% on all your spend with this credit card.
If you spend more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | YES Prosperity Cashback Credit Card |
|---|---|
| Card Type | Cashback |
| Cashback Features | 5% Cashback on: – Movies – Grocery Shopping – Bill Payments through YES PayNow 0.50% Cashback on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – 1 Complimentary Domestic Airport Lounge visit / Qtr.
– Complimentary Priority Pass Membership |
| Rewards Redemption Fee | Nil |
| Cashback Caps | ₹100 on Movies and Grocery |
| Preferred Redemption Method | Redeem on YES Rewards Portal @₹0.25 / Reward Point on Flights |
| Card | YES Prosperity Cashback Credit Card | |
|---|---|---|
| Joining Fee | ₹999 + Taxes | |
| Annual Fee | ₹999 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
Nil | |
| Income Criteria | Salaried | ₹3 Lacs p.a. |
| Self-employed | ITR>₹5 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.40% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
