YES BANK is one of the fastest-growing banks in India. Set up in 2004, YES BANK has risen through the ranks quickly to become the fourth largest banking entity in the private sector. Today, YES BANK has branches and ATMs in all the states and Union Territories in India. The bank serves a vast clientele and caters to almost all sections of society. YES BANK has loan and deposit products to suit the necessities of every individual. The bank offers an exciting range of Credit Cards that come with unique benefits and rewards.

Why Choose YES PROSPERITY EDGE Credit Card?

Providing exemplary customer service is the prime responsibility of YES BANK. The bank offers an array of Credit Cards to fulfil the requirements of its customers. Some of the Credit Card offerings like Yes First Preferred Credit Cards target the upper-middle-class segments. Products like YES PROSPERITY EDGE Credit Card cater to the needs of the middle-class individual. The best aspect of YES BANK is that the level of customer service is the same for each Credit Card category, irrespective of the segment it targets.

Key Features of YES PROSPERITY EDGE Credit Card

  • Accelerated Rewards

    The middle class spends the most on groceries, dining, and purchases at supermarkets and departmental stores. YES PROSPERITY EDGE Credit Card offers accelerated rewards points for spending on these sectors.

  • Annual Bonus Rewards

    Card members spending a minimum of 6 Lakhs in an anniversary year will receive 15,000 Bonus Rewards Points.

  • Dedicated Reward Redemption Portal

    Redeeming the rewards points have never been easier before. Card members have a dedicated portal to cater to the redemption of rewards points alone. Redeem your rewards points for flight/hotel/movie tickets or choose your favourite item from an extensive catalogue of products.

YES PROSPERITY EDGE Credit Card Benefits

  • Annual Bonus Rewards Points

    Use your Credit Card for making a necessary purchase for 6 Lakhs in an anniversary year to earn 15,000 Bonus Rewards Points. An anniversary year commences on the day of activation of the card and lasts for 12 months.

  • Edge Rewards Points Programme
    • Purchase groceries and use your YES Prosperity Credit Card at supermarkets, departmental stores, and selected restaurants to earn 4 rewards points for every 100 you spend. Ensure that the retail transactions are done on MasterCard authorised Merchant Category Codes (MCC).
    • Other retail spending on your YES PROSPERITY EDGE Credit Card earns you two reward points for every 100. This exciting offer is valid on all kinds of retail purchases except fuel.
    • Pay your utility bills such as electricity bill, DTH, internet connection bills, and others using your YES PROSPERITY EDGE Credit Card by registering on the YES PayNow site. Earn 500 reward points for each successful registration. However, you have to ensure to continue using this facility for a minimum of 6 months to be eligible for the rewards points.
  • Redemption of Rewards Points
    • YES BANK has a dedicated website portal, YesRewardz that enables card members to redeem their rewards points online.
    • Use this website to redeem your rewards points for booking hotel/flight/movie tickets. (1 Reward Point = 0.25).
    • An exclusive catalogue of products is available on this dedicated site. These products display the number of rewards points required for redemption.
    • Redeem your Rewards Points and earn JPMiles (1 JPMile = 4 Rewards Points)
    • NRI card members cannot use the catalogue of products for redeeming their reward points. This offer is available only on the flight/movie/hotel ticket booking.
    • NRIs can call on +91-40-66534510 to redeem their points. They can drop an email to or liaison with their relationship manager.
  • MasterCard World Golf Programme
    • YES PROSPERITY EDGE Credit Card members can avail a waiver of three Green Fees at some of the selective top golf courses in India.
    • Learn to play golf using your YES PROSPERITY EDGE Credit Card. This card entitles the primary card member to avail one golf lesson every month at select golf courses in India.
    • Cardholders can contact MasterCard Golf Concierge to manage the bookings by dialling the toll-free number 1800-102-6263.
  • Priority Pass Membership coupled with the MasterCard Lounge Programme
    • YES PROSPERITY EDGE Credit Card primary cardholder gets a complimentary Priority Pass Membership. The primary card member has to apply for this membership by completing the application form supplied along with the welcome kit. Despatch the form along with a Business Reply Envelope to receive the complimentary membership. This membership is available only to the primary cardholder and is not transferable.
    • The Priority Pass Membership entitles the primary card member to have access to 2 domestic airport lounges in a quarter.
  • Insurance
    • YES PROSPERITY EDGE Credit Card primary card member gets life cover of 50 Lakhs for death due to air accidents. The condition is that the ticket should have booked using the YES PROSPERITY EDGE Credit Card.
    • Get medical insurance of 15 Lakhs to take care of emergency hospitalisation expenses when travelling abroad.
    • A credit shield cover is available to the primary cardholder if he/she expires in an accident
  • Rate of Interest

    The rate of interest on revolving credit, overdue amounts, and the cash advance facility is 3.50% per month.

  • Preferential Foreign Currency Markup Charges

    YES PROSPERITY EDGE Credit Card charges a preferential Foreign Currency Markup Charge of 3% on international transactions in foreign currency.

  • Fuel Surcharge Waiver

    Use your YES PROSPERITY EDGE Credit Card to refuel your two-wheelers and four-wheelers for amounts ranging from 400 to 5,000. You earn a fuel surcharge waiver up to 250 in a statement cycle. However, the GST paid by you on the fuel surcharge is not refunded.

  • Lifestyle Benefits
    • Visit the website of Yes Privileges to know about the lifestyle benefits available on YES PROSPERITY EDGE Credit Card.
    • Exciting offers are available on dining, travel, shopping, and wellness programmes in specified cities alone.
  • Contactless Card
    • Your YES PROSPERITY EDGE Credit Card is a contactless card. It comes enabled with NFC technology.
    • Use this card to make quick payments at merchant establishments accepting contactless cards. This technology is secure, fast, and convenient.
  • Use Your Card Securely Online

    Use MasterCard Secure Code to secure your online transactions. You can create your 3D Secure Password as an additional layer of security.

  • Security for IVR Transaction
    • Secure your IVR transactions by generating an OTP
    • Use your registered mobile to SMS "YESIVR Final four digits of your YES PROSPERITY EDGE Credit Card" to 9212738927 to get the OTP.

YES PROSPERITY EDGE Credit Card - Privileges and Services on Offer

Privilege Key Benefits Procedure to Avail

Instant EMI

  • Convert your purchases into EMIs instantly.
  • No documentation or processing fees.
  • Rate of interest between 12% and 15%.
  • Continue to earn rewards points on the transactions covered by Instant EMI.
  • Choose your convenient repayment tenure from 3 to 24 months.
  • Instant EMI permissible on transactions as low as 2,500.
  • Facility available with more than 80,000 merchant establishment partners and online stores.

Offline purchases

  • Choose to avail Instant EMI on your YES PROSPERITY EDGE Credit Card at the time of payment.

Online purchases

  • Click on the EMI offer before making the payment online.

EMI on Call

  • Facility to convert your purchases to EMI after making the payment.
  • Transactions of 2,500 and more are eligible.
  • Rates of interest between 12% and 15%.
  • Low processing fees
  • Flexible tenures between 3 and 24 months.
  • Confirm your eligibility by calling Yes Touch Customer Care Centre.
  • The toll-free number within India: 1800-103-1212.
  • When calling from abroad: +91-22-49350000.

Quick Loan

  • Get quick loans to meet unforeseen circumstances.
  • YES BANK customers do not have to complete any documentation formalities.
  • Quick disbursal
  • Low processing fees and interest.
  • Flexible repayment period ranging from 6 to 24 months.
  • Credit to savings A/c for YES BANK customers.
  • No need for PDC or guarantor
  • Facility offered to select customers.
  • 3 days Turnaround Time
  • Check up your eligibility by contacting Yes Touch Customer Care Centre.
  • Inside India: 1800-103-1212
  • From abroad: +91-22-49350000

YES PayNow

  • Most convenient method to pay utility bills such as power, rent, insurance, phone, DTH, and others.
  • Earn 500 Rewards points for each registration.
  • Ensure continuity of transactions.
  • Ad-hoc and one-time payments are not eligible for Rewards Points.
  • Easy to register billers
  • No restriction on the number of billers.
  • Facility to register bills of family members.
  • SMS and Email alerts
  • Due date reminders in advance.
  • Facility to cancel registration anytime.
  • Call Yes Touch Customer Care to confirm eligibility.
  • Toll-free from inside India: 1800-103-1212
  • From abroad: +91-22-49350000
  • Add billers using Net Banking channels by managing Auto Payments.
  • Download the application form and fill it before submitting to

YES BANK Ltd, YES BANK Towers, Plot No 14, 3rd Main Road, Ambattur Industrial Estate, Ambattur, Chennai 600058.

Card Protection Plan

  • Protect from loss/theft of Credit Card and fraudulent activities.
  • One call to block all credit/debit cards across the entire banking system.
  • Get emergency cash assistance in India.
  • If abroad, get immediate assistance in paying hotel bills and travel expenses.
  • Get free PAN Card replacement if lost.
  • Mobile phone benefit if lost
  • Credit report and analysis
  • Range of three plans available with membership ranging from 1,749 to 2,899 per annum.
  • Contact Yes Touch Customer Care Centre:
  • From India toll-free: 1800-103-1212
  • From abroad: +91-22-49350000
  • CPP Contact numbers:
    • Toll-free: 1800-419-4000
    • From abroad: +91-9212444000
    • Customer Service and Registration: Local STD Code -60004000.

YES PROSPERITY EDGE Credit Card - Eligibility Criteria

You need to fulfil the easy eligibility norms mentioned below to avail the Credit Card:

  • The minimum age criterion is 21 years with the maximum being 60 years
  • Self-employed individuals/professionals and salaried employees are eligible for YES PROSPERITY EDGE Credit Card.
  • The minimum pay of salaried employees should be 60,000 per month
  • Minimum income for the self-employed category: ITR return of a minimum of 7.20 Lakhs

YES PROSPERITY EDGE Credit Card - Charges

1st year membership fee


Spend 15,000 within 90 days to get a reversal of membership fee.

Renewal fee


An overall spending of 75,000 within 12 months before the renewal entitles the card member for a reversal of renewal fee.

YES PROSPERITY EDGE Credit Card - Interest-Free Period

  • YES PROSPERITY EDGE Credit Card is a convenient way to get interest-free credit up to 50 days
  • The condition is that the card member should not default in any bill payment. Paying the entire Credit Card bill before the due date enables them to continue with the interest-free concession.
  • The interest-free period can range from 15 to 50 days, depending on the timing of your purchase and the due date for payment.
  • Cash advance facility is not eligible for an interest-free period

YES PROSPERITY EDGE Credit Card - Credit Card Payment

YES BANK offers various methods for payment of YES PROSPERITY EDGE Credit Card bills:

YES BANK Account holders

  • YES BANK account holders can avail net banking facilities from YES BANK to make instant Credit Card payments.
  • Facility to use debit cards at YES BANK ATMs to pay Credit Card bills is available
  • Register a Standing Instruction with the bank to debit your savings/current account for the bill amount on the due date.

Other Bank Customers

  • Other bank customers can use their net banking facility to make payment of YES PROSPERITY EDGE Credit Card bill through BillDesk. Remember to pay at least 3 days in advance as the BillDesk process can take time.
  • Use facilities like NEFT/RTGS/IMPS to make YES PROSPERITY EDGE Credit Card payment. Add YES BANK Credit Card as the beneficiary with IFSC as YES0CMSNOC.
  • Fill up your cheque and drop it into the cheque drop boxes available in your city. Your Credit Card number is the Payee. Remember to add your name and mobile number on the reverse side of the cheque.
  • Cash payment is also permissible at YES BANK counters
  • Yes Mobile App allows cardholders to pay YES PROSPERITY EDGE Credit Card bills using YES BANK savings account or other bank accounts.
  • Yes Pay App facility allows card members to use UPI address to pay Credit Card bills
  • Yes ROBOT facility on the YES BANK official webpage enables payment of Credit Card bill using BillDesk.
  • Alternate payment methods include the use of apps like Samsung Pay and Bharat QR

YES PROSPERITY EDGE Credit Card - Documents Required

To avail of the card, you need to submit the following documents:

  • Standard KYC documents evidencing identity proof and address proof
  • Income documents like salary slips and IT returns

YES PROSPERITY EDGE Credit Card - How to Apply

Online application

  • Visit
  • Click on 'Apply Now'
  • If you do not have a YES BANK account, you have to submit your mobile number. The relationship manager will contact you to complete the formalities.
  • If you are a YES BANK customer, you get an OTP on your registered mobile. Enter the OPT to authorise the YES BANK relationship manager to call you.
  • Complete the application and submit the necessary documents
  • Wait for the decision from the bank

YES PROSPERITY EDGE Credit Card - Track Application Status

Tracking your Credit Card application is convenient:

  • Access the site to track your application online.
  • Enter your mobile number followed by the Application Reference Number to know the status of your YES PROSPERITY EDGE Credit Card application.
  • Alternatively, you can contact Yes Touch Customer Care number 1800-103-1212 and quote your Application Reference Number.

Other Credit Card Offered by YES BANK

Other YES BANK Credit Card products include:

Yes First Preferred Card

Yes Premia Credit Card

YES Prosperity Rewards Plus Credit Card

YES Prosperity Rewards Credit Card

Yes First Business Credit Card

YES Prosperity Business Credit Card

Yes First Exclusive Credit Card

YES Prosperity Cashback Plus Credit Card

YES PROSPERITY EDGE Credit Card - Know its Value

This Value Chart will help you understand the value of your YES PROSPERITY EDGE Credit Card in actual terms.

Value Chart for YES PROSPERITY EDGE Credit Card



Annual Rewards Points

Annual Benefit in

Complimentary Priority Pass Membership worth $99

One complimentary priority pass for the primary cardholder



Monthly spending

Assume you spend 30,000 per month



Retail spending: 2 Reward Points for 100 spent.

70% - 21,000



Bonus category spending 4 Reward Points for 100 spent.

20% - 6,000



Fuel surcharge waiver

10% - 3,000



YES PayNow

Two SI on YES PayNow



Annual Rewards Points

Total spending of 6 Lakhs in 1 anniversary year.



Total Benefits


YES PROSPERITY EDGE Credit Card - Frequently Asked Questions

What is the maximum limit available on the YES PROSPERITY EDGE Credit Card?

The limit depends on various factors. The income of the applicant is a critical one. The age of the applicant assumes importance. The repayment record and the CIBIL score are also factors that determine the YES PROSPERITY EDGE Credit Card limit.

What is an ideal CIBIL score for the YES PROSPERITY EDGE Credit Card?

There is no such concept as an ideal CIBIL score. A decent score of around 700 to 750 without any adverse remarks should be enough to make you eligible to apply for YES PROSPERITY EDGE Credit Card.

What is the statement or billing cycle?

Usually, YES BANK decides upon a specific date in a month as the statement generation date. Let us assume it to be the 5th day of the month. All transactions from the 5th of the previous month to the 4th day of the present month will reflect in the statement. The bank gives 15 days of grace to pay the bill. Hence, your due date would be 20th of the month. This is known as the billing cycle.

What is the interest-free period concept?

Consider the same example as discussed above. The due date of your Credit Card bill is the 20th of the month. The bill includes all purchases made between the 5th of the previous month to the 4th day of the current month. YES PROSPERITY EDGE Credit Card provides the benefit of 0% interest if the cardholder pays the bill in full by the due date. This concept is the interest-free period concept.

What is the maximum period of the interest-free facility?

The same example is useful to explain this concept. If you time your purchases on the days immediately following the statement date, say the 5th or the 6th, you get time till the 20th of the following month to make the payment. It thus translates into a maximum of around 45 days. However, if you use the Credit Card on the 4th of the month, you get an interest-free period of 15 days only.

Can I pay the bill in instalments?

There is no bar on paying the Credit Card bill in instalments. In the example discussed above, you can pay the bill amount in two or more instalments. However, you will get the interest-free benefit for the following month only if you clear the entire bill by the due date.

What will happen if I do not pay the entire amount by the due date?

When you do not pay the entire amount by the due date, you carry forward some part of the bill to the next billing cycle. This amount attracts interest at the rate of 3.5% per month (42% per annum) from the date of incurring the debt to the time of payment. Besides, you lose the benefit of the interest-free concession for the subsequent billing cycles until you clear the entire amount. Every purchase you make attracts interest at the contracted rate.

What is the minimum amount of payment that I should make on a Credit Card bill?

Usually, all Credit Cards come with a Minimum Amount Due calculation. It is around 5% of the bill amount plus Cash Advances (100%) and EMIs (100%) if any.

What, if I do not make the payment of the minimum amount due?

The non-payment of the Minimum Amount Due constitutes a default. The bank can charge late payment fees. They also have the discretion to cancel the limit and demand full payment. This default is reported to the credit agencies. Therefore, it affects your credit ratings and brings down your CIBIL score.

What precaution should I exercise when paying Credit Card bills?

You should ensure to pay the minimum amount due on the Credit Card before the due date of the bill. It will keep your Credit Card limit in force. It is advisable to clear the overdue amounts as quickly as possible because the rate of interest on overdue amounts is a whopping 42% per annum.    

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