Yes Prosperity Rewards Credit Card

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.

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.

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.

1. Late Payment Charges

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.

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

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.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.