High-Value Direct Cashback Credit Card with 5% on Online Shopping & Food Delivery
Active online shoppers and food app users looking for straightforward statement cashback without point expiry or catalogue redemption hassles.
₹1,499
One-time upfront₹1,499
Waived on ₹1.5 lakh annual spend0.75% cashback on all retail spends, 5% cashback on movies & groceries.
On eligible spends3.00% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Prosperity Cashback Plus Credit Card is engineered for consumers who prefer direct statement cashback over abstract reward points. Positioned at an annual fee of ₹1,499 plus GST, new members receive welcome cashback vouchers worth ₹1,500 that neutralize the first-year fee. The annual fee is waived upon achieving annual retail spending of ₹1,50,000, a very attainable hurdle for digitally active households. The cashback structure is compelling: cardholders earn 5% direct cashback on online shopping and food delivery platforms (such as Amazon, Flipkart, Swiggy, and Zomato) subject to a monthly ceiling of ₹1,000. Travel bookings earn 2% cashback, while all other domestic retail spending yields 0.75% uncapped cashback. For domestic flyers, the card includes 1 complimentary domestic airport lounge visit per calendar quarter (4 per year) upon achieving quarterly spend criteria. Additional practical features include a 1% fuel surcharge waiver and 25% discount on BookMyShow movie tickets up to ₹200 per month. With direct statement credit, domestic lounge access, and strong online cashback rates, the YES Prosperity Cashback Plus card is a formidable daily driver.
0.75% cashback on all retail spends, 5% cashback on movies & groceries.
A cashback of Rs. 250 on spending Rs. 2500 within the first 30 days.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Movie & Grocery Spends | 5% cashback on grocery and movie tickets | No Cap | Standard terms apply |
| Other Spends | 0.75% cashback on other retail transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Movie & Grocery Spends | ₹12,000 | 5% cashback on grocery and movie tickets | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 0.75% cashback on other retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹1,499 + GST; waived on annual retail spending of ₹1,50,000 or more in the anniversary year. • Welcome Benefit: ₹1,500 cashback voucher credited upon card setup and fee payment. • Online Cashback: 5% direct cashback on online shopping and food delivery (monthly cap of ₹1,000). • Travel Cashback: 2% cashback on domestic flight, bus, and hotel reservations. • Base Cashback: 0.75% uncapped cashback on all other eligible retail transactions. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter upon meeting quarterly spend criteria. • Movie Savings: 25% discount on BookMyShow movie tickets, capped at ₹200 per month. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps.
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES Prosperity Cashback Plus Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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