YES Prosperity Rewards Plus Credit Card

Overview

YES Prosperity Rewards Plus Credit Card by YES Bank provides premium value tailored for Mid-Premium cardholders.

Rewards

Benefits

• Domestic Airport Lounge: 4 per year (1 visit per calendar quarter) via Mastercard / Visa Lounge Program [Criteria: Spend ₹10,000 or more in the previous calendar quarter]
• Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle) on fuel transactions between ₹400 and ₹5000
• Up to 15% Dining Discounts via Culinary Treats: Enjoy exclusive discounts of up to 15% on dining bills at over 2,000 partner restaurants across major cities in India. (Up to 15% off food bill
• Valid on all days) [Partners: YES Bank Culinary Treats Dining Program]
• 1% Fuel Surcharge Waiver: Complete 1% fuel surcharge waiver at all petrol stations across India for transactions between ₹400 and ₹5,000. (Max waiver ₹250 per statement cycle
• Valid across all fuel brands) [Partners: All fuel outlets across India]
• Zero Lost Card Liability Protection: Comprehensive protection against unauthorized fraudulent card swipes upon immediate notification of card loss to 24x7 phone banking. (Covers up to full credit limit
• 24x7 phone banking support) [Partners: YES Bank Protection Desk]

Things to Know Before you apply

Fees & Charges

Fee waiver: Spend ₹50,000 or more in the preceding 12 months for renewal fee waiver

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Rating

4.9/5

5.0/5

Highest rated

4.5/5

Fee Details

Joining Fee

₹500

Annual/Renewal Fee

₹500

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees

Welcome Benefit

• • 1,250 Bonus YES Rewardz Points upon spending ₹2,500 within the first 30 days of card issuance.
• • Qualification Criteria: Retail spend of ₹2,500 within 30 days of setup
• • Fulfillment Timeline: Credited within 60 days of qualification

• • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
• • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
• • Fulfillment Timeline: Credited within 60 days of card issuance

• • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance

Reward/Cashback Rate

• • Base Rewards: 4 Reward Points per ₹200 (4 YES Rewardz Points per ₹200 on regular retail transactions)
• • 6 Reward Points per ₹200 (6 YES Rewardz Points per ₹200 spent on Dining categories)
• • Accelerated Rewards: 5X accelerated reward points on YES Cart merchant partners including Amazon, Flipkart, Myntra, Swiggy, and Uber
• • Excluded Categories: Fuel purchases
• • Wallet loads
• • Cash advances

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
• • Excluded Categories: Fuel transactions
• • Wallet loading
• • Cash advances

• • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
• • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
• • 2 Reward Points per ₹150 on all other categories
• • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets

Pros

• • Base Rewards: 4 Reward Points per ₹200 (4 YES Rewardz Points per ₹200 on regular retail transactions)
• • 6 Reward Points per ₹200 (6 YES Rewardz Points per ₹200 spent on Dining categories)
• • Forex markup rate of 3.5%
• • Airport lounge and lifestyle dining privileges
• • Value-packed milestone rewards on annual spend

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Forex markup rate of 1.5%
• • Airport lounge and lifestyle dining privileges
• • Value-packed milestone rewards on annual spend

• • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
• • Low ₹499 joining and annual fee
• • 4 complimentary domestic lounge visits per year
• • Annual fee waiver on ₹50,000 spend

Cons

• • Annual renewal fee of ₹500
• • Reward exclusion on fuel purchases and wallet load transactions

• • Annual renewal fee of ₹7000
• • Reward exclusion on fuel purchases and wallet load transactions

• • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
• • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
• • No specific minimum income figure disclosed