Yes Bank Rewards Plus Credit Card

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

 

Are you always looking for something extra? The YES Prosperity Rewards Plus credit card offers you extra rewards on all of your payments and transactions for a minimal fee. With this Yes Bank Rewards Plus credit card, you can maximize discounts on dining, retail purchases, grocery shopping, movies, and more.

 

In addition to personalized rewards and offers, you also get the whole gamut of services available for Yes Bank credit cards such as Instant EMI, Card Protection Plan, and flexible loan options. So, what’re you waiting for? Go ahead and apply for the Yes Bank Prosperity Reward Plus credit card

YES Prosperity Rewards Plus Credit Card Benefits and Features

Unsure of whether you need the YES Prosperity Rewards Plus card? After reading through this, you’re sure to get one for yourself immediately. Here’s what the Yes Bank Reward Plus credit card offers.

  • Insurance Coverage

The Yes Bank Prosperity Reward Plus credit card offers up to Rs. 2.5 lakhs worth of Credit Shield cover. And so, in the event of the primary cardholder’s death, the amount can be used to settle any leftover debts or credit obligations.

  • Low Interest Rate

Worried about exorbitant interest rates setting you back financially? With the Prosperity Rewards Plus credit card, you don’t have to. The interest rate on revolving credit, overdue amount, and cash advances are just 3.5% per month.

  • Attractive Foreign Currency Markup

Foreign exchange conversion charges can add to your expenses when travelling abroad. However, thanks to the low foreign currency markup charges of just 3.40%, you don’t have to feel guilty anymore.

  • Waiver of Fuel Surcharges

With the rising fuel prices already adding to your woes, why include fuel surcharges to the list? Get a fuel surcharge waiver of up to 1% at all fuel stations in India using the Yes Bank Prosperity Rewards Plus credit card.

  • Lifestyle Benefits

In addition to the Yes Bank Rewards Plus credit card benefits mentioned above, you also get to enjoy super deals and offers across multiple categories like wellness, travel, dining, and shopping.

YES Prosperity Rewards Plus Credit Card Fees and Charges

The fees and charges levied on the YES Prosperity Rewards Plus card are very minimal. But you don’t have to believe us outright; you can take a look at it yourself.

Particulars

Fees and Charges

Annual membership fees and renewal fees

Rs. 499 plus taxes

Condition for waiver of annual membership fees and renewal charges

The annual membership fee shall be waived off on spending Rs. 10,000 within 90 days of card issuance.

 

The renewal fee for the subsequent year shall be waived off on spending Rs. 50,000 within 12 months.

Finance charges

3.50% per month (42% per year)

Cash advance fee

Higher of Rs. 300 or 2.5% of withdrawn amount

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

 

Greater than Rs. 20,000

Rs. 1,000

YES Bank Prosperity Rewards Plus Credit Card Reward Points

When it comes to rewards, very few credit cards can match up to the YES Prosperity Rewards Plus credit card benefits. It offers several advantages to the cardholder through reward point redemption. Here’s a quick look at the rewards program of the YES Prosperity Rewards Plus credit card.

  • You receive 12,000 bonus reward points on spends of Rs. 3.6 lakhs each year.

  • For every Rs. 200 you spend on select categories, you get to enjoy 2 reward points.

  • And for every Rs. 200 you spend on all other categories, you get to enjoy 4 reward points.

  • On select transactions made on YESCART, you get to enjoy accelerated rewards points.

  • For the first three payment transactions made via YES PayNow, you get 5X reward points.

  • You get to redeem the reward points accumulated on the Yes Bank Prosperity Reward Plus by converting them to Air Miles. For every 10 reward points accumulated, you get 1 Air Mile.

YES Prosperity Rewards Plus Credit Card Eligibility Criteria and Documentation

Reading about the Yes Bank Prosperity Reward Plus credit card benefits makes you want to get one right away, doesn’t it? Here’s the eligibility criteria that you would have to satisfy first.

  1. Confirm the minimum age requirement of 21 years and the maximum age requirement of 60 years.

  2. Be a salaried employee or a self-employed individual.

  3. Receive a net salary of at least Rs. 35,000 each month or generate income of at least Rs. 5 lakhs a year according to your Income Tax Returns (ITRs).

  4. You can also avail the YES Prosperity Rewards Plus credit card if you possess a fixed deposit of at least Rs. 30,000 with Yes Bank.

You’ve seen the eligibility criteria, it is now time to take a look at the documents that you would have to submit to avail the Yes Prosperity Rewards Plus credit card.

  1. A recent passport size photograph

  2. A copy of your identity proof - Aadhaar, passport, voter’s ID, driving license

  3. A copy of your address proof - Aadhaar, passport, voter’s ID, driving license, utility bills

  4. A copy of your PAN card or Form 60

  5. A copy of your income proof - latest payslip, Form 16, or a copy of your IT return

How to Apply for the YES Prosperity Rewards Plus Credit Card?

Applying for Prosperity Rewards Plus credit card is super easy! Please note that Yes Bank Prosperity Rewards Plus Credit 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 Yes Bank Prosperity Reward Plus Credit Card

  • ✔️What are the Yes Bank Prosperity Rewards Plus credit card benefits?

    Some of the key YES Prosperity Rewards Plus credit card benefits are outlined below.

    • Interest rate of 3.5% per month on revolving credit, overdue amount, and cash advances

    • Credit Shield cover of Rs. 2.5 lakhs

    • Foreign currency markup charges of just 3.40%

    • 1% fuel surcharge waiver

    • Reward points for purchases made through the credit card

  • ✔️How to reach YES Prosperity Rewards Plus credit card customer care?

    Reaching the Yes Bank Rewards Plus credit card customer care is extremely easy. All that you have to do is call 1800 103 1212, if you’re calling from within India. On the other hand, if you’re calling from outside India, you would have to call +91 22 4935 0000. Alternatively, if you prefer to get in touch with the Yes bank credit card customer care through email, you could do so through yestouchcc@yesbank.in. 

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

    The annual membership fee and subsequent renewal fee for the YES Prosperity Rewards Plus card is Rs. 499 plus taxes.