Yes Bank
YES Prosperity Reward Plus Credit Card
This is an invite only card
Top Benefits
Earn 8 Reward Points per ₹200 on Travel Spends
Applicable on airlines, airports, travel agencies and hotel bookings, capped at 1,500 YES Rewardz Points per statement cycle
Get a Minimum 15% Discount on Dining Out
under the YES BANK Dining Fiesta Program, over and above the 8 Reward Points earned per ₹200 spent at restaurants, bars and fast-food outlets
Best For
Shopping
Dining
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Accelerated Reward Points of 8 per ₹200 on Travel and Dining spends
- 4 Reward Points per ₹200 on all other categories
- minimum 15% dining discount under the Dining Fiesta Program
- air miles conversion to InterMiles and Club Vistara
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 YES Rewardz Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Merchandise & Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
URI Transactions
Fuel
Cash Advance
Priority Pass
Lounge Key Charges
EMI
Rent
Wallet Load Transactions
Government Services
Tolls
For Spends Waiver
URI Transactions
Fuel
Cash Advance
Priority Pass
Lounge Key Charges
EMI
Rent
Wallet Load Transactions
Government Services
Tolls
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.99% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹650, if applicable | 2.5% |
Reward Redemption Fees ₹100+ GST redemption fee per redemption | ₹100 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹450 |
Cash Payment Fees A cash deposit fee of ₹500 + GST is levied on credit card repayments made in cash at YES BANK branches for amounts of ₹1,000 or more | ₹500 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1350 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 8 Reward Points per ₹200 on Travel Spends
Applicable on airlines, airports, travel agencies and hotel bookings, capped at 1,500 YES Rewardz Points per statement cycle
Get a Minimum 15% Discount on Dining Out
under the YES BANK Dining Fiesta Program, over and above the 8 Reward Points earned per ₹200 spent at restaurants, bars and fast-food outlets
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