YES Prosperity Rewards Plus Credit Card

The Bottom Line

Low fee, Lower Rewards

8 Reward Points / ₹200 on travel & dining, 2 points on tax payments, utilities & government services and 4 points on all other spends.

Apply Now

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	0.4%	0.5%	0.5%	0.6%	0.6%
Est. Monthly Reward (₹)	20	45	105	280	575
All-India Rewards Rank*	104	142	178	221	226
Within Bank Rank*	2	5	8	9	11
* 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 Rewards Plus Credit Card gives 1% effective reward on dining & travel, 0.25% on select categories ( tax payments, utilities, government services ) and 0.50% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.4-0.6% on all spending with this card in a month.

The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.

You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.

If you are spending 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.

The Rewards

Card	YES Prosperity Rewards Plus Credit Card
Card Type	Reward
Reward Features	8 Reward Points / ₹200 on: – Travel – Dining 4 Reward Points / ₹200 on all other spends 2 Reward Points / ₹200 on: – Tax payments – Utilities – Government Services
Milestone Rewards	Nil
Other Rewards	Nil
Rewards Redemption Fee	Nil
Reward Caps	1,500 rewards points on Travel and Dining
Preferred Redemption Method	Redeem on YES Rewardz Portal 1RP = ₹0.25

Fees & Charges

Card		YES Prosperity Rewards Plus Credit Card
Joining Fee		₹399 + Taxes
Annual Fee		₹399 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹50,000
Income Criteria	Salaried	₹25,000
Income Criteria	Self-employed	ITR>₹7.5 Lacs
Supplementary Card Fee		Free
Interest Rate		43.20% p.a.
Foreign Currency Markup		2.75%
Cash Advance Charge		2.50% with a minimum of ₹300