Key Highlights of YES Prosperity Rewards Plus Credit Card

Following are the key highlights of YES Rewards credit card:

Joining feeRs. 499
Annual feeRs. 499
Benefits Accelerated reward points on select purchases, 12000 bonus reward points, fuel surcharge waiver, insurance cover, etc. 
Rewards2 reward points on spending every Rs. 200 on select categories & 4 on all categories.
Age21 to 60 years
Foreign currency transaction fee3.40% 

Features & Benefits of YES Prosperity Rewards Plus Credit Card

Following are the main features and benefits of YES Bank Reward Plus credit card:

Rewards

  • Accelerated YES Bank credit card rewards points on select transactions on YESCART.
  • 2 reward points on spending every Rs. 200 on Select categories.
  • 4 reward points on spending every Rs. 200 on all categories other than Select categories.
  • 5X YES Bank credit card reward points on initial 3 transactions of the biller registered on YES PayNow (offer valid only on the first 5 registered billers). 
  • 12,000 bonus reward points on spending Rs. 3.6 Lakhs or above in each anniversary year.

Insurance Cover

  • Credit Shield cover in case of accidental demise of primary cardholder.
  • Card Protection Plan (CPP) for card loss, theft, fraud, and emergencies. 

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across India at all fuel stations for transaction between Rs. 400 to Rs. 5,000.

Secure Transactions

  • Your online transactions are secured with MasterCard SecureCode or Verified by VISA.

Instant EMI

  • Convert your transactions of Rs. 2,500 or more into EMIs and earn rewards points.
  • Zero documentation required 
  • Interest rates range from 12% to 15% p.a and no processing fee is involved.
  • Repayment options vary from 3 to 24 months.

Fees 

  • Joining fee: Rs. 499. Reversed on spending Rs. 10,000 within 90 days of card set up.
  • Annual fee: Rs. 499  Reversed on spending Rs. 50,000 within 12 months prior to the renewal.

YES Prosperity Rewards Plus Credit Card Fee/Charges

  • Joining fee: Rs. 499. Reversed on spending Rs. 10,000 within 90 days of card set up.
  • Annual fee: Rs. 499  YES Bank credit card annual charges can be reversed on spending Rs. 50,000 within 12 months prior to the renewal.
  • Interest on revolving credit, cash advances & overdue amount: 3.5% p.m (42% p.a) for unsecured cards and 3% p.m (36% p.a) for credit cards against Fixed Deposit.
  • Preferential foreign currency markup: 3.40%.
  • Interest rate for Instant EMI: 12% p.a to 15% p.a.

YES Prosperity Rewards Plus Credit Card Eligibility

Below are the eligibility criteria for YES Prosperity Rewards Plus credit card:

  • The applicant must be aged minimum 21 years to maximum 60 years to apply for YES Rewards Plus credit card.
  • The applicant can be a salaried employee or self-employed individual.
  • Minimum net monthly income requirement is Rs. 35,000 or Income Tax Return of Rs. 5 Lakhs & above.
  • YES Prosperity Rewards Plus Credit Card can also be availed against Fixed Deposit of Rs. 30,000 and above. 

YES Prosperity Rewards Plus Credit Card Document Required

You will need the following documents to apply for YES Bank prosperity credit card:

  • Identity proof: PAN Card/ Passport/ Driving License/ Voter ID card/ Aadhar Card or Letter issued by UIDAI/ NREGA Card or Letter issued by NPR containing details of name and address.
  • Address proof: Passport/ Driving License/ Voter ID Card/ Aadhar Card/ Letter issued by UIDAI/ NREGA Card.
  • Signature proof: Passport/ PAN Card/ Driving License/ NREGA Card. 
  • Income proof for salaried: Salary slip of last 2 months (not required if salary account is with Yes Bank), last 2 months’ credit card statement, and card face image.
  • Income proof for self-employed: Last 1 year’s ITR, last 2 months’ credit card statement, and card face image.

How to Apply for YES Prosperity Rewards Plus Credit Card?

You can apply for the YES Bank Prosperity Reward Plus card online through YES Bank’s website or MyMoneyMantra with the following steps:

  • Visit the website of the bank/MyMoneyMantra and check your eligibility for the card.
  • Fill in the online form.
  • Upload the required documents and submit your application.

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YES Prosperity Rewards Plus Credit Card FAQs

How can I increase the limit of YES Prosperity Rewards Plus Credit Card?

Follow the steps given below to increase the limit of your YES Bank Prosperity Rewards credit card:

Download the YES bank’s credit card limit enhancer form from the official website of the bank. 

Fill in the form and send it to the following address with your last 2 months’ pay slips/salary certificate and recent ITR attached with computation sheet:

YES Private Credit Cards Division

YES Bank Ltd.,

YES Bank Towers,

Plot No. 14,

3rd Main Road,

Ambattur Industrial Estate,

Ambattur, Chennai-600058.

On the basis of internal review, the bank will either accept or reject the request for limit enhancement of your YES Prosperity Cashback Plus credit card. Alternatively, you can also go to your home branch of YES bank to place a credit enhancement request.

How do I claim my YES Bank reward points?

YES Bank credit card rewards redeem can be done for shopping vouchers or in store purchases with exciting brands like Amazon, Myntra, Flipkart, Big Bazaar, Croma, etc. To visit YES Rewardz for YES Bank credit card rewards points redemption, click https://www.yesrewardz.com/ .

Is YES Prosperity Reward Plus Credit Card a contactless card?

Yes, YES Bank Prosperity reward card is a contactless credit card.

Can we withdraw money from YES Bank Prosperity credit card?

Yes, you can withdraw money from YES Prosperity Rewards Plus by paying the applicable cash withdrawal fee.

What is the purpose of YES Prosperity Rewards Plus Credit Card?

YES prosperity credit card provides you with the best interest rates and reward points that never expire. The annual and joining fees of Rs. 499 can be reversed and you can enjoy special offers in dining, shopping, travel and so on. Apart from the said YES Bank Rewards credit card benefits, you also get a fuel surcharge waiver with insurance coverage.