Yes Prosperity Cashback Credit Card

Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

What is a YES Bank Prosperity Cashback Credit Card?

**Disclaimer: Yes Bank is not aBajaj Markets partner. Offers would be from partner Banks/NBFCs only.

 

Credit cards have evolved beyond being merely payment instruments. Today, there are many cards that come with a host of benefits and features that are exclusive to their cardholders. One such product is the Prosperity Cashback credit card from Yes Bank. As its name suggests, this credit card gives you a wide range of cashbacks on several different transactions.

 

That’s not all. In addition to the multiple cashback benefits, this credit card from Yes Bank also gives you many offers on lifestyle spends, waiver on fuel surcharge, and other services like a quick loan, EMI on call, instant EMI and YES PayNow. Check the Yes Bank Prosperity Cashback credit card application process, so you can take advantage of these features and earn cashbacks on your payments.

YES Prosperity Cashback Credit Card Features and Benefits

Before you apply for the Yes Bank Prosperity Cashback credit card, it helps to know more about the many benefits and features that you get to use as a cardholder. That way, you can better understand why this may be the right Yes Bank credit card for you. Here are the top benefits that the YES Prosperity Cashback credit card offers.

  • Low Interest Rates

Worried about high interest rates making your card usage expensive? The YES Prosperity Cashback credit card comes with an interest of just 3.5% per month on revolving credit, cash advances and overdue amounts.

  • Nominal Foreign Currency Markup

This credit card from Yes Bank also gives you the benefit of extremely nominal foreign currency markup, at just 3.40% only.

  • Waiver of Fuel Surcharge

The YES Prosperity Cashback credit card also makes fuel expenses more affordable for you, thanks to the fuel surcharge waiver benefit it offers. 1% of the fuel surcharge is waived off for transactions ranging from Rs. 400 to Rs. 5,000.

  • Lifestyle Benefits through YES Privileges

As a Yes Bank Prosperity Cashback credit card holder, you also enjoy several Yes Bank credit card offers on lifestyle expenses like travel, shopping, dining and wellness in select cities.

  • Quick Loan

In need of emergency funds? You can make use of the Quick Loan feature on your credit card to borrow funds immediately. There is no documentation needed, and you get low interest rates, low processing fees and flexible repayment tenures.

YES Prosperity Cashback Credit Card Fees and Charges

By applying for the YES Prosperity Cashback credit card, you can enjoy all the benefits and features mentioned above. The best part is that Yes Bank credit card benefits are available at extremely nominal fees and charges. Here are the details of these costs.

Particulars

Fees and Charges

Annual membership fees and renewal fees

Rs. 999 plus taxes plus applicable taxes

Cash advance fee

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

Payment return charges

Rs. 350 per payment return

Foreign currency conversion charges

3.40%

Late Payment Charges

Balance as per statement

Late payment charges

Less than or equal to Rs. 100

NIL

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 Cashback Credit Card Rewards

As its name indicates, the Yes Bank Prosperity Cashback credit card gives you a number of cashback benefits. Here’s a preview of these features.

  • You can get a cashback of Rs. 250 on spends worth Rs. 2,500 in the first 30 days of setting up your card.

  • In addition to this, you also get cashbacks on every transaction.

  • The card gives you 5% cashback on grocery shopping and on booking movie tickets.

  • There is also a 5% cashback on all bill payments made through YES PayNow.

  • For all other retail expenses, you get a 0.50% cashback.

YES Prosperity Cashback Credit Card Eligibility Criteria and Documentation

The Cashback credit card comes with relaxed eligibility criteria and simple documentation requirements. To apply, you need to meet the Yes Bank Credit Card eligibility criteria.

  1. You should be aged between 21 years and 60 years

  2. You can be either salaried or self-employed

  3. Your income as per your tax return should be at least Rs. 5 lakhs per year

  4. Or, your net salary per month should be at least Rs. 25,000

That sums up the eligibility criteria. As for the documentation, this is all you need to submit when you apply for the YES Prosperity Cashback card.

  1. A photocopy of your PAN card or your Form 60

  2. A proof of your income like your latest payslip, a copy of your income tax return or Form 16

  3. Your identity and residence proof

  4. A colour photograph

How to Apply for the YES Prosperity Cashback Credit Card?

Applying for a Yes Prosperity Cashback Credit Card is quick and simple. Once you have evaluated the different Yes Bank credit card types and decided on the one for yourself, it is time to apply for the same. Please note that Yes Bank credit cards, including the YES Prosperity Cashback 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.

FAQs on YES Prosperity Cashback Credit Card

  • ✔️What are the YES Prosperity Cashback credit card benefits?

    The Yes Bank Prosperity Cashback credit card offers many benefits to the cardholder, such as the following:

    • Low interest of just 3.5% per month on revolving credit, cash advances and overdue amounts

    • Preferential foreign currency markup of just 3.40%

    • 1% waiver of fuel surcharge for transactions from Rs. 400 to Rs. 5,000

    • Exciting offers across categories like dining, travel, shopping, and wellness, among others 

  • ✔️How to reach the YES Prosperity Cashback credit card customer care?

    You can email the customer care team at yesfirstcc@yesbank.in. Or, you can call them on 1800 103 6000 if you are calling from India. Instead, if you are abroad, you can contact the customer care team on +91 22 4935 0000. 

  • ✔️What is the Yes Bank Prosperity Cashback credit card annual fee?

    The annual membership fees for the Yes Bank Bank Prosperity Cashback credit card are Rs. 999 plus the applicable taxes.