YES Prosperity Edge Credit Card

**Disclaimer: Yes Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

 

With an exceptional rewards program and a host of beneficial features for the cardholder, the YES Prosperity Edge credit card is one of the finest cards available in the credit market. This credit card truly gives you an edge with features like its complimentary gold program, annual bonus rewards, and a dedicated reward redemption portal.

With this card, you also get to experience a wide range of exclusive privileges that give you the edge you deserve. Apply for this card today, and enjoy the advantage of zero documentation, no processing fees and easy repayment options.

YES Prosperity Edge Credit Card Benefits and Features

If you haven’t made up your mind about getting this card yet, take a look at the many Yes Bank Prosperity Edge credit card benefits that you get access to. That will help you make a more informed decision.

  • Complimentary Golf Program

Keen on brushing up your golf skills? Or simply enjoy the game a lot? The Prosperity Edge credit card from Yes Bank offers a complimentary golf program with which you can enjoy four complimentary rounds of green fees each calendar year and one complimentary gold lesson every calendar month at select golf courses in India.

  • International and Domestic Lounge Program

The Yes Bank Prosperity Edge credit card lounge access is another benefit you can look forward to. This program includes one complimentary domestic airport lounge visit in India each calendar quarter, as well as different international lounge access benefits for Mastercard and VISA cardholders.

  • Insurance Cover

The YES Prosperity Edge credit card benefits also include insurance coverage. You get a life cover of Rs. 50 lakhs for deaths due to air accidents, as well as a medical insurance cover of Rs. 15 lakhs for emergency hospitalization that may occur when you’re travelling abroad.

  • Lifestyle Benefits

In addition to the many benefits explained above, this top of the line credit card from Yes Bank also gives you a host of lifestyle benefits such as attractive offers on travel, dining, wellness expenses and more.

  • Contactless Card Technology

The YES Prosperity Edge card also ensures that you are safe, thanks to the contactless card technology it comes with. In a day and age where contactless solutions are the need of the hour, this credit card is equipped with NFC technology that allows you to make quick and secure payments at shopping outlets.

  • Affordable Preferential Foreign Currency Markup

If you engage in a high volume of foreign currency transactions, you’ll love the fact that this credit card comes with foreign currency markup as low as just 3%. Now, with such an affordable markup, buying your preferred products from foreign sellers or paying vendors in foreign currency is easier on your wallet.

YES Bank Prosperity Edge Credit Card Fees and Charges

All of the YES Prosperity Edge credit card benefits that you saw above come at extremely nominal fees. Check them out below.

Particulars

Fees and Charges

Annual membership fees and renewal fees

Rs. 2,499 plus taxes

Condition for waiver of annual membership fees and renewal charges

The first year fee shall be waived off if you spend a total of Rs. 15,000 on retail expenses within 90 days of setting up the card.

 

The subsequent YES Prosperity Edge credit card annual fees on renewal shall be waived off if you spend a total of Rs. 75,000 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 withdrawn amount or Rs. 300, whichever is higher

Payment return charges

Rs. 350 per payment return

Foreign currency conversion charges

3.00%

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 Bank Prosperity Edge Credit Card Rewards Points

The Prosperity Edge credit card has a reward program that is one of the finest ones in the market. Here are some of the key benefits that you get to enjoy under the rewards program from the Prosperity Edge card.

  • You can earn 15,000 bonus reward points if you spend Rs. 6 lakhs or more each anniversary year.

  • You get 4 reward points for every Rs. 200 you spend on any category of expense except the ‘Select Categories.’

  • For purchases or spends in the ‘Special Categories,’ you earn 2 reward points for every Rs. 200 spent.

  • Select transactions on YESCART give you accelerated rewards too.

  • For the first three transactions of billers registered on YES PayNow, you earn 5 times the reward points. This is valid for five billers.

  • You can redeem your reward points against air miles too. 10 reward points give you 1 InterMile or 1 Club Vistara Point.

  • There is also a dedicated website where you can redeem your points for flight bookings, movie ticket purchases, or hotel bookings.

YES Prosperity Edge Credit Card Eligibility Criteria and Documentation

Another major advantage of the YES Prosperity Edge is that it comes with extremely convenient eligibility criteria.

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

  2. You can be a salaried or self-employed individual.

  3. If you are a salaried person, your net salary should be at least Rs. 60,000 per month.

  4. Alternatively, you should have an annual income of at least Rs. 7.2 lakhs as per your Income Tax Return (ITR).

If you are eligible, you need to submit the following paperwork.

  1. A copy of your PAN card or Form 60

  2. One of your colour photographs

  3. Proof of income like your latest payslip, Form 16 or a copy of your IT return

  4. Your identity proof and residence proof

How to Apply for the YES Prosperity Edge Credit Card?

Applying for Yes Bank Prosperity Edge credit card is super easy! Please note that Yes Prosperity Edge Card is not available on the Finserv 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 About Prosperity Edge Credit Card

  • ✔️What are the Yes bank Prosperity Edge credit card benefits?

    The YES Bank Prosperity Edge credit card benefits include the following.

    • An exclusive and fine rewards program

    • Life insurance and medical insurance coverage

    • A complimentary golf program

    • Yes Bank Prosperity Edge credit card lounge access

    • Lifestyle benefits like offers on travel, dining and more in specific cities

  • ✔️Does Yes Bank Prosperity Edge credit card provide lounge access?

    Yes, as a cardholder, you do get to enjoy Yes Bank Prosperity Edge credit card lounge access too. The card offers benefits under the exclusive International & Domestic Lounge Program.

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

    You can call 1800 103 6000, if you’re calling from India, or +91 22 4935 0000, if you’re calling from abroad. If you prefer to email the Yes bank credit card customer care, you can write to yesfirstcc@yesbank.in 

  • ✔️What is the YES Prosperity Edge credit card annual fee?

    The YES Prosperity Edge credit card annual fee is Rs. 1,199.