YES Prosperity Rewards Credit Card
Yes Bank
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
2% points
Foreign Markup
3.4%
Fee Waiver
Joining Fee Waiver on Spend of ₹10,000 Within the First 30 Days of Card Issuance. On Annual Spends of ₹1 Lakh, Get the Annual Fee Waiver
Interest Rate
3.8% per month
Product Highlights
- 2 Reward Points for every ₹200 spent on all categories other than select categories
- 4 Reward Points for every ₹200 spent on dining and travel
Rewards
Earn 4 Reward Points for every ₹200 spent on Dining and Travel. Earn 2 Reward Points for every ₹200 spent on all categories other than select categories.
Redemption
1 Reward Point = ₹0.10 against shopping, e-vouchers, movies, recharges, etc. 1 Reward Point = ₹0.25 for hotel and flight bookings.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 4%(4 RPs/₹200 Spent on Dining) | No cap |
travel | 4%(4 RPs/₹200 Spent on Travel) | No cap |
other | 2%(2 RPs/₹200 Spent on All Other Categories) | No cap |
Benefits & Features
15% Discount at Select Restaurants
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹3,00,000
Min Income (Self-Employed)
₹5,00,000
Available Networks
Pros & Cons
Pros
- Joining Fee Waiver on Spend of ₹10,000 within the first 30 days
- Annual Fee Waiver on annual spending of ₹1 lakh
Cons
- Limited to select categories for lower reward points
- No insurance benefits mentioned
Additional Info
Capped at 750 RPs monthly for dining and travel.