YES Prosperity Rewards Credit Card

The YES Prosperity Rewards Credit Card is a grandfathered entry-level credit card from YES BANK's earlier consumer portfolio, which has been superseded by newer offerings like YES Pop, BYOC, and YES Select. While the card is no longer open to new applicants, a substantial base of existing cardholders continues to hold and transact on this product. The card provides a basic reward structure: cardholders earn 2 Reward Points per ₹200 spent on regular retail transactions (0.25% valueback at 1 RP = ₹0.25) and 1 Reward Point per ₹200 on select utility and essential categories (0.125% return). Cardholders also receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, and the annual renewal fee of ₹499 + GST is waived with ₹50,000 in annual spending. In today's competitive credit card landscape, the card's low 0.25% return is heavily outclassed by modern cards offering 1% to 5% returns. Furthermore, it carries zero airport lounge access, a ₹100 rewards redemption fee, and a standard 3.50% foreign currency markup. Who should consider it: Existing cardholders using it as a secondary, low-maintenance backup line of credit with YES BANK. Who should look elsewhere or upgrade: Active spenders who should request YES BANK to upgrade their card to the YES Select Credit Card or YES RESERV Credit Card, or consider standalone entry cards like SBI SimplyCLICK or HDFC MoneyBack+ to earn 5X to 10X higher returns.

Additional Cardholder Privileges

Mandatory Verification Documents