YES Prosperity Cashback Plus Credit Card

One of the youngest banks in the private sector in India, YES BANK has now attained the status of the fourth largest in its segment in the country. The journey of the bank from the opening of its first branch office in Mumbai in 2004 to the present has been a fascinating one. The bank has always maintained an innovative approach towards banking with a particular focus on the youth of the country. YES BANK is the first bank in the country to offer a preferential rate of interest on savings accounts. It shows the bank's commitment to its customers.

Why Opt for YES Prosperity Cashback Plus Credit Card?

Besides catering to the customer's interest by offering better interest rates on savings deposits, YES BANK has an array of Credit Card services on offer. The YES FIRST and the YES Prosperity series of Credit Cards find high acceptance among the youth of the country. The YES FIRST Credit Cards cater to the upper echelons of society, whereas the YES Prosperity Credit Cards have the interests of the common man in mind. Cashback offers have become popular in the country in recent times. YES BANK has introduced the YES Prosperity Cashback Plus Credit Card product to provide unmatched convenience of cashless payments and enable its customers to enjoy the benefit of cashback offers.

Key Attractions of YES Prosperity Cashback Plus Credit Card

  • Welcome Cashback

    YES BANK Prosperity Cashback Plus Credit Card welcomes its card members by offering 250 as cashback on spending 2,500 within 30 days of the activation of the card.

  • Additional Cashback

    Use your YES BANK Prosperity Cashback Plus Credit Card for purchasing movie tickets, grocery, and paying utility bills to get a cashback of 5%. Spending on other retail requirements except fuel earns you a cashback of 0.75%.

  • Fuel Surcharge Waiver

    Refuelling your vehicles using your YES Prosperity Cashback Plus Credit Card entitles you to receive fuel surcharge exemptions.

YES Prosperity Cashback Plus Credit Card - Benefits

  • Welcome Cashback Offer

    Spend 2,500 or more during the first 30 days after activation of your YES Prosperity Cashback Plus Credit Card to get a cashback of 250. This offer is valid on retail transactions alone and not on cash withdrawals. The cashback is available as a statement credit.

  • Attractive cashback offers on every transaction
    • Movie ticket booking: Get 5% cashback
    • Grocery Shopping: Get 5% cashback
    • The minimum transaction value for each of the above transactions is 500.
    • The maximum amount of cashback available in a statement cycle is 100.
    • Other retail spending except for fuel: Get 0.75% cashback
    • Bill payments through Yes PayNow: Get 5% cashback (this offer applies to standing instruction-based Yes PayNow registrations. Casual and one-time ad hoc payments do not qualify for cashback).
  • Insurance Coverage

    Credit Shield is available up to the outstanding amount on the Credit Card in the case of accidental death of the primary cardmember.

  • Rate of interest on Revolving Credit

    The rate of interest applicable on Cash Advance, Revolving Credit, and Overdue amount is 3.5% per month.

  • Preferential Foreign Currency Markup Charges

    Preferential Foreign Currency Markup Charges: 3.40%

  • Fuel Surcharge Waiver

    Refuel your vehicles for amounts ranging from 400 to 5,000 using your YES Prosperity Cashback Plus Credit Card and earn a waiver of the fuel surcharge of 1%. The total exemption allowed is restricted to 125 per statement cycle. The GST levied of the fuel surcharge does not get the waiver.

  • Lifestyle Benefits

    Visit Yes Privileges to avail fantastic offers on travel, dining, wellness clinics, and shopping in select cities in India.

  • Security for online transactions
    • Use MasterCard Secure Code to protect your online purchases
    • Create your 3D secure password with ease
  • Protection for IVR transactions
    • Use your YES Prosperity Cashback Plus Credit Card for purchasing over the phone
    • Secure such purchases by using the OTP sent to your registered mobile number
    • Generate your OTP by sending an SMS "YESIVR the last four digits of YES Prosperity Cashback Plus Credit Card" to 9212738927.
    • Use the OTP to confirm your transaction and complete the purchase

YES Prosperity Cashback Plus Credit Card - Privileges and Services on Offer

Instant EMI

  • Facility: Convert your big purchases into EMI instantly
  • Offline purchases: Ask for Instant EMI before making the payment at the payment counter.
  • Online purchases: Select the EMI option at the time of making the payment
  • Tenure options: 3 to 24 months
  • Benefits: No documentation or processing fee
  • Rate of interest: 12% to 15%
  • Minimum amount: 2,500
  • Maximum amount: Depending on your credit limit
  • Cashback: Earn cashback at the contracted rates on transactions covered under EMI.
  • Available at: More than 80,000 merchant establishment locations

EMI on Call

  • Facility: Convert your big purchases already made to EMI
  • Eligibility: Available to select YES Prosperity Cashback Plus Credit Card members.
  • Check eligibility: Call Yes Touch Customer Care number 1800-103-1212 from anywhere in India. From overseas, call +91-22-49350000
  • Tenure options: 3 to 24 months
  • Benefits: Low processing fees
  • Rate of interest: 12% to 15%
  • Minimum amount: 2,500
  • Maximum amount: Up to the purchase price

Quick Loan

  • Facility: Personal Loan on your Credit Card
  • Minimum amount: 15,000
  • Maximum amount: 2 Lakhs
  • Benefits
    • No documentation for YES BANK customers
    • Fast disbursement by way of credit to the savings account
    • Low interest rate and processing fee
    • Flexible tenure ranging from 6 to 24 months
    • No guarantor
    • No submission of PDCs
  • Check eligibility: Contact 24X7 Yes Touch Customer Care Centre number

Yes PayNow

  • Facility: Pay your utility bills and other recurring expenses by registering the billers with Yes PayNow.
  • Benefits
    • Earn 5% cashback on Yes PayNow transactions of 500 and above
    • Easy registration process
    • SMS and email alerts
    • Register as many billers as you need
    • Register billers of family members
  • Maximum cashback: 100 per statement cycle
  • How to register
    • Online using net banking platform
    • Offline by submitting the application form to YES BANK
    • Call 24X7 Yes Touch Customer Care number

Card Protection Plan

  • Facility: Safeguard your credit/debit/prepaid cards from loss/theft/fraud
  • How to register/cancel: Call Yes Touch Customer Care number
  • Emergency Contact:
    • Toll-free: 1800-419-4000
    • From overseas: +91-9212444000
    • Helpline number: STD Code - 60004000
  • Number of plans: Three
  • Membership fee
    • Classic Plus: 1,749
    • Premium Plus: 2,249
    • Platinum Plus: 2,899
  • Benefits
    • A single call to block all credit/debit/prepaid cards
    • Get emergency cash assistance within India
    • Pay emergency hotel and travel and hotel bills in India and abroad
    • Free PAN card replacement
    • Mobile phone benefit if lost
    • Roadside vehicle assistance

YES Prosperity Cashback Plus Credit Card - Eligibility Criteria

Age Criteria

  • The minimum age of the YES Prosperity Cashback Plus Credit Card applicant should be 21 years
  • The applicant should not be over 60 years

Income Criteria

  • Salaried and self-employed individuals are eligible
  • Salaried person: Minimum net salary of 25,000 per month
  • Self-employed: Minimum IT Return of 5 Lakhs

YES Prosperity Cashback Plus Credit Card - Charges

  • Membership fee for 1st year: 1,500 plus GST
  • Renewal fee for subsequent years: 1,500 plus GST

YES Prosperity Cashback Plus Credit Card - Interest-Free Period

  • The interest-free period ranging from 15 to 50 days is available depending on the billing cycle
  • This benefit applies to regular cardmembers who pay their entire Credit Card bill every month
  • Cardmembers availing revolving credit, having overdue amounts, and using Cash Advance facility do not qualify for the interest-free concession.

YES Prosperity Cashback Plus Credit Card - Credit Card Payment

YES BANK Customers

  • Internet banking: YES BANK customers having internet banking facilities can pay their YES Prosperity Cashback plus Credit Card bills online instantly.
  • ATM: Use your debit card at YES BANK ATM to pay your YES Prosperity Cashback plus Credit Card bills
  • Standing Instruction: Authorise your YES BANK branch to debit your savings/current account to make the card payment on the due date.

Other Bank Customers

  • Internet banking: Other bank customers can use the internet banking facilities provided by their respective banks to pay YES Prosperity Cashback Plus Credit Card bill.
  • Funds transfer: Use NEFT/RTGS/IMPS fund transfer facility to pay YES Prosperity Cashback Plus Credit Card bill. The IFSC is YESB0CMSNOC.
  • Cheque payment: Pay your Credit Card bill by issuing a cheque favouring your 16-digit YES BANK Credit Card.
  • Cash payment: Visit any YES BANK branch and deposit cash into your YES Prosperity Cashback Plus Credit Card account.

Alternate Payment options

  • Yes Mobile App: Use this app to pay your Credit Card bill through YES BANK or any other bank savings account.
  • Yes Pay App: This app enables you to pay YES Prosperity Cashback Plus Credit Card bill using UPI
  • Yes Robot: This facility is available on the official webpage of YES BANK. You can use it to pay your Credit Card bills using BillDesk facility.

YES Prosperity Cashback Plus Credit Card - Documents Required

Keep the following documents ready when applying for the card:

  • KYC documents: Standard KYC documents for ID and address proof
  • Income documents: Salary slips, or IT Returns

How to Apply for YES Prosperity Cashback Plus Credit Card?

Online

  • Access the official webpage of YES Prosperity Cashback plus Credit Card and click on the 'Apply Now' option.
  • If you are a YES BANK existing customer, provide your customer ID. You will get an SMS on your registered mobile. Enter the OTP to confirm your identity. The YES BANK Relationship Manager will contact you to complete the application formalities.
  • If you are not a YES BANK customer, provide your mobile phone number to get the OTP. The subsequent procedure is similar to the one described above.

Offline

  • Contact any YES BANK branch to apply for your YES Prosperity Cashback Plus Credit Card in person.
  • The Relationship Manager will help you complete the documentation formalities and apply for the Credit Card.

YES Prosperity Cashback Plus Credit Card - Track Application Status

Online

  • Track your application at the official webpage of YES Prosperity Cashback Plus Credit Cards
  • Enter your mobile number and the application reference number to know the status of your card application.

Offline

Call 24X7 Yes Touch Customer Care number and quote your 13-digit application reference number to know the application status.

Other Credit Card by YES BANK

The other Credit Cards offered by the bank are:

Yes First Preferred Credit Card

Yes Premia Credit Card

YES Prosperity Edge 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 - Know its Value

Value Chart for YES Prosperity Cashback Plus Credit Card

Product Features and Benefits

Annual Cashback

Welcome Cashback: Spending 2,500 within 30 days of issuance

250

Cashback on spending on grocery, movie tickets, and Yes PayNow registration - 5% Average spending 5,000 per month

3,000

Cashback on other spending 0.75% Average spending 12,000 per month

1,080

Fuel Surcharge waiver

360

Total Value

4,690

The annual membership fee is 1,500

YES Prosperity Cashback Plus Credit Card - Frequently Asked Questions

How does YES BANK provide the cashback on using YES Prosperity Cashback Plus Credit Card?

The cashback is reflected as a statement credit every month. Therefore, the card member pays the bill amount less cashback received into the account.

Does the cashback account as payment received on the Credit Card?

No, the cashback is an incentive. It does not count as payment received on the Credit Card bill. The card member has to make the payment of the minimum amount due on the card to keep the limit alive.

What is Samsung Pay?

Samsung Pay is a unique product available only to Samsung mobile users. Specific Samsung smartphones are compatible with Samsung Pay. It is an alternate method of payment where you do not have to swipe the card at the merchant establishment payment counter.

Is Samsung Pay a secure mode of payment?

The cardmember has to register the Credit Card with Samsung Pay. As the payment procedure does not involve the physical use of the Credit Card, it is a secure mode of payment.

How do I report a lost or stolen YES BANK Credit Card?

If you lose your Credit Card, send an SMS "BLKCC last four digits of your YES Prosperity Cashback Plus Credit Card" to 9840909000 from your registered mobile number.

Can I avail cash advance on my YES Prosperity Cashback Plus Credit Card?

Yes, the cash advance facility is permissible on YES Prosperity Cashback Plus Credit Card.

Do I get cashback benefits on my cash withdrawals?

No, cashback benefits are not available on cash withdrawals. On the other hand, you have to pay the cash advance fee and the interest on the cash advance amount at the time of paying the Credit Card bill.

What is the maximum amount of protection available in CPP for fraud against loss/theft of YES Prosperity Cashback plus Credit Card?

It depends on the type of protection you opt for. In the case of the Classic plus Plan, the maximum protection is 1 Lakh. In the case of Premium Plus and Platinum Plus plans, the maximum protection is 2 Lakhs, and 3 Lakhs respectively.

Can I use my YES Prosperity Cashback plus Credit Card overseas?

Yes, it is an international Credit Card. You can use this Credit Card overseas subject to payment of Preferential Foreign Currency Markup Charges.

Is the YES Prosperity Cashback Plus Credit Card contactless?

No, the YES Prosperity Cashback plus Credit Card does not work on NFC technology. It is not a contactless card.  

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