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A credit card is no longer just a financial product that makes payments easier. Today, they come with many useful features that reward you for your transactions and give you a variety of discounts.


Yes Bank offers a wide range of such credit cards, which come with multiple benefits and features. One such card is the YES Prosperity Rewards card. As its name indicates, the Prosperity Rewards credit card gives cardholders a ton of rewards for many different kinds of transactions.

YES Prosperity Rewards Credit Card Benefits & Features

Interested in finding out more about the many YES Prosperity Rewards credit card benefits available to cardholders? Check out everything you need to know about the Yes Bank credit card benefits of this card here.

  • Low interest rate on revolving credit

High interest rates can be heavy on your wallet. Fortunately, the YES Prosperity Rewards credit card comes with very low interest of just 3.5% per month on revolving credit, cash advances and overdue amounts.

  • Nominal foreign interest markup

If you frequently engage in transactions using foreign currency, or if you need to convert foreign exchange often, you’ll need a credit card that comes with low foreign interest markup. The YES Prosperity Rewards fits the bill, since its foreign interest makeup is just 3.4%.

  • Waiver of fuel surcharge

Travel often using your own vehicle? In that case, you’ll love the fuel surcharge waiver that this credit card offers. 1% of the fuel surcharge is waived off for transactions between Rs. 400 and Rs. 5,000.

  • Multiple lifestyle benefits

The YES Prosperity Rewards credit card also gives you a wide range of lifestyle benefits. In select cities, you can avail attractive offers on travel expenses, dining costs, shopping and wellness expenses.

YES Prosperity Rewards Credit Card Fees & Charges

Before you apply for the YES Prosperity Rewards credit card, you also need to know about the fees and charges involved. Fortunately, the costs for using this card are very affordable. Check them out in the table below.


Fees and Charges

Annual membership fees and renewal fees

Rs. 299 plus taxes

Condition for waiver of annual membership fees and renewal charges

The first membership year fee will be waived off if you spend a total of Rs. 5,000 on retail expenses within 90 days of setting up the card.


In the case of the subsequent membership fees on renewal, they will be waived off if you spend a total of Rs. 25,000 on retail expenses within the 12 months preceding the card renewal date.

Finance charges

3.50 % per month (42% per year)

Cash advance fee

2.5% of the amount withdrawn or Rs. 300, whichever is higher

Payment return charges

Rs. 350 per payment return

Foreign currency conversion charges


1. Late Payment Charges

Balance as per statement

Late payment charges

Less than or equal to Rs. 100


Rs. 101 to Rs. 500

Rs. 150

Rs. 501 to Rs. 5,000

Rs. 500

Rs. 5,001 to Rs. 20,000

Rs. 750


Above Rs. 20,000

Rs. 1,000

YES Prosperity Rewards Credit Card Rewards

As a YES Prosperity Rewards cardholder, you also have a number of rewards to look forward to. Here is everything that the rewards program pertaining to this card gives you.

  • If you spend Rs. 1.8 lakhs or more each anniversary year, you earn 10,000 bonus reward points.

  • For every Rs. 200 spent, you get 1 reward point on ‘Select categories’ and 2 reward points on other categories.

  • For select transactions on YESCART, the card offers you accelerated rewards points.

  • You earn 5 times the regular reward points on the first three transactions you make with billers registered on YES PayNow. This is applicable up to five billers.

  • There is an exclusive product catalogue you can choose from for rewards point redemption.

  • You can also redeem your points against air miles.

YES Prosperity Rewards Credit Card Eligibility Criteria and Documentation

If the benefits and features outlined above sound like something you’d love to experience, you can apply for the YES Prosperity Rewards credit card easily, provided you are eligible. Check out the Yes Bank credit card eligibility criteria here.

  • Your age should be between 21 years and 60 years.

  • You can be salaried or self-employed.

  • You must have a net salary of at least Rs. 25,000, or your income as per your tax return should be Rs. 5 lakhs and above.


Just like the eligibility criteria, the paperwork needed to apply for the Yes Bank Prosperity Rewards credit card is also easy to put together. You only need to submit the following documents.

  • Your Form 60 or a copy of your PAN card

  • A colour photograph of you

  • Any proof of income, such as Form 16, your latest payslip or a copy of your IT return

  • Your identity and residence proof

How to Apply for the YES Prosperity Rewards Credit Card?

Once you have evaluated the different Yes Bank credit card types and decided on the one for yourself. Please note that Yes Bank credit cards, including the Yes Prosperity Rewards Credit Card, are not available on the Bajaj Markets website. However, if you wish to get the best Yes Bank credit card online, you can apply via the bank’s official website. Alternatively, you can apply offline by calling the Yes Bank credit card customer care or visiting your nearest Yes Bank branch.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Yes Bank Prosperity Rewards Credit Card

What are the benefits offered by the YES Prosperity Rewards credit card?

The YES prosperity rewards credit card benefits include the following.

  • Low interest rate on revolving credit

  • Affordable foreign currency markup

  • Waiver of fuel surcharge

  • A host of lifestyle benefits

How to reach the YES Prosperity Rewards credit card customer care?

You can either call the customer care team or email them at yesfirstcc@yesbank.in. If you prefer calling and you are located in India, you can dial 1800 103 6000. Alternatively, if you’re calling from abroad, you can dial 91 22 4935 0000. 

What is the YES Prosperity Rewards credit card annual fee?

At just Rs. 299 per year, the annual fee for the Yes Bank Prosperity Rewards credit card is very affordable.

What are the rewards that the YES Prosperity Rewards credit card offers?

The Yes Bank Prosperity Rewards credit card gives you a wide range of rewards including the following:

  • 10,000 bonus reward points if you spend Rs. 1.8 lakhs or more each year

  • 1 reward point for every Rs. 200 spent on ‘Select categories’

  • 2 reward points for every Rs. 200 spent on all other categories

  • Reward redemption against air miles

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