← Part of Yes Bank Credit Cards in India
The YES Prosperity Cashback Plus Credit Card offers 5% cashback on specific categories like movies, groceries, and utility bills, making IT ideal for daily savings. This card provides a welcome benefit of ₹250 cashback on spending ₹2,500 within 30 days of issuance, per YES Bank’s official details (as of May 2026).
| Parameter | Details |
|---|---|
| Card Name | YES Prosperity Cashback Plus Credit Card |
| Card Type | Cashback Credit Card |
| Joining Fee | ₹1,499 + applicable taxes |
| Annual Fee | ₹1,499 + applicable taxes |
| Welcome Benefit | ₹250 cashback on spending ₹2,500 within 30 days of card issuance |
| Cashback Rate (Specific Categories) | 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments (up to ₹1,000 per statement cycle) |
| Cashback Rate (All Other Retail Spends) | 0.75% |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 to ₹5,000 (maximum waiver of ₹125 per statement cycle) |
| Foreign Currency Markup Fee | 3.50% (effective June 15, 2026) |
| ATM Re-credit Timeframe (Failed Transactions) | T+5 calendar days (where ‘T’ is the day of transaction) |
| Compensation for Delayed ATM Re-credit | ₹100 per day (for delays beyond T+5 days) |
| Bank Ranking | India’s fourth largest private sector Bank (YES Bank) |
The card’s structured cashback program and fuel surcharge waiver help users maximize savings on routine expenses, aligning with its focus on everyday value.
Cashback Plus Card: Features & Benefits
The YES Prosperity Cashback Plus Credit Card offers 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. Cardholders also receive a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, capped at ₹125 per statement cycle.
| Feature | Details | Benefit |
|---|---|---|
| Welcome Benefit | ₹250 cashback on a transaction of ₹2,500 within the first 30 days of card issuance. | Immediate savings on initial card usage. |
| Cashback on Movie Tickets | 5% cashback on movie ticket bookings. | Significant savings on entertainment expenses. |
| Cashback on Grocery Shopping | 5% cashback on grocery purchases for spends above ₹200. | Reduced costs on household items. |
| Cashback on Utility Bill Payments | 5% cashback on utility bill payments. | Savings on recurring household expenses. |
| Cashback on Other Retail Spends | 0.50% cashback on all other retail expenditures. | Consistent savings across a wide range of purchases. |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 and ₹5,000 at all petrol pumps in India. Maximum waiver of ₹125 per statement cycle. | Cost reduction on fuel expenses. |
| EMI Conversion | Option to convert large purchases into Equated Monthly Installments (EMIs). | Financial flexibility for managing significant expenses. |
| Digital Banking Services | Access to YES Bank’s full digital banking platform. | Convenient tracking and management of card spending. |
| International Lounge Access (VISA) | Access to international lounges displaying the LoungeKey logo (charge of USD 27 + GST per visit). | Comfort and convenience during international travel. |
| Domestic Airport Lounge Visits | 2 complimentary domestic airport lounge visits every quarter (for YES Bank Prosperity Cashback Credit Card). | d travel experience within India. |
| Complimentary Golf Rounds | 4 complimentary rounds of green fees every calendar month at select Golf courses in India (for YES Bank Prosperity Cashback Credit Card). | Exclusive lifestyle privilege for golf enthusiasts. |
| Complimentary Golf Lesson | 1 complimentary golf lesson every calendar month at select Golf courses in India (for YES Bank Prosperity Cashback Credit Card). | Opportunity for skill development in golf. |
The card’s cashback structure prioritizes daily spending categories, making IT a practical choice for consistent savings on and entertainment expenditures.
Fees & Charges for Cashback Plus
The YES Prosperity Cashback Plus Credit Card carries a joining fee and an annual fee of ₹1,499 each, plus applicable taxes, as of 2026. The card also applies an interest rate of 3.5% per month on outstanding balances.
| Metric | Value (Rs/%) | Details |
|---|---|---|
| Joining Fee | ₹1,499 + applicable taxes | For YES Prosperity Cashback Plus Credit Card |
| Annual Fee | ₹1,499 + applicable taxes | For YES Prosperity Cashback Plus Credit Card |
| Interest Rate | 3.5% per month | On outstanding balances for YES Prosperity Cashback Plus Credit Card |
| Foreign Currency Markup Fee | 3.5% | Of the total transaction amount for YES Prosperity Cashback Plus Credit Card |
| Fuel Surcharge Waiver (Maximum) | ₹125 | Per statement cycle, for transactions between ₹400 and ₹5,000 |
| International Lounge Access Charge | USD 27 + GST | Per visit for Visa and Mastercard cardholders (Priority Pass/LoungeKey) |
| Cash Advance Fees | Higher spending thresholds | Effective June 15, 2026, for YES Bank Credit Cards (general) |
| Auto-Debit Failure Charges | Higher spending thresholds | Effective June 15, 2026, for YES Bank Credit Cards (general) |
| Cash Deposit Fees | Higher spending thresholds | Effective June 15, 2026, for YES Bank Credit Cards (general) |
| Cheque Deposit Fees | Higher spending thresholds | Effective June 15, 2026, for YES Bank Credit Cards (general) |
| Card Re-Issuance Fees | Higher spending thresholds | Effective June 15, 2026, for YES Bank Credit Cards (general) |
| ATM Transaction Charges | Maximum ₹23 per transaction | Plus applicable taxes, over mandated free transactions |
The foreign currency markup fee of 3.5% applies to the total transaction amount for international spends, aligning with other standard YES Bank credit cards.
Eligibility for Cashback Plus Card
YES Bank sets specific criteria for the YES Prosperity Cashback Plus Credit Card, focusing on income, age, and credit history. Applicants must meet these requirements to qualify for the card’s cashback benefits.
As of 2026, the general eligibility conditions for this card are outlined below:
- Age Requirement: Primary cardholders must be between 21 and 60 years old. Add-on cardholders can be 18 years or older.
- Income Criteria: Applicants need a stable income source. While specific figures vary, a minimum net monthly income of ₹25,000 is typically expected for salaried individuals.
- Employment Status: Both salaried and self-employed individuals are eligible. Salaried applicants generally need to be employed for at least one year.
- Credit Score: A strong CIBIL score, generally 700 or above, significantly improves approval chances. A score above 750 often unlocks better terms.
- Residency: Applicants must be residents of India. Non-resident Indians (NRIs) may have different eligibility requirements for other YES Bank cards.
- Required Documents: Key documents include identity proof (PAN card, Aadhaar card), address proof (utility bills, passport), and income proof (salary slips, bank statements, ITR).
Meeting these criteria does not guarantee approval, as YES Bank conducts a full review of each application.
Applying for Cashback Plus Card
Applying for the YES Prosperity Cashback Plus Credit Card in 2026 is straightforward, with both online and offline options available through YES Bank. The application process requires fulfilling basic eligibility criteria and submitting necessary documents like salary slips or ITR.
Applicants can choose their preferred method to initiate the process for this cashback-focused credit card.
- Online via YES Bank Website: Visit the official YES Bank website, to the credit card section, select the YES Prosperity Cashback Plus Credit Card, and click ‘Apply Now’.
- Online via IndiaLends: Find the YES Bank credit card on IndiaLends, check eligibility, complete the online application, and a representative will assist with card delivery.
- Offline Branch Visit: Visit your nearest YES Bank branch with all required documents and complete a physical application form.
- Net Banking Application: Existing YES Bank customers can apply through their net banking portal on the bank’s website.
- Document Submission: Salaried individuals need to submit their latest salary slips or bank statements, while self-employed applicants require their latest Income Tax Returns (ITR).
- Application Status Check: After applying, you can check your application status online via the official YES Bank website or by calling their credit card customer care number.
- Processing Time: The bank typically reviews applications within a few business days, subject to document verification and credit assessment.
The application process is designed for convenience, allowing applicants to choose the method that best suits their needs.
Cashback Plus Vs. Other YES Bank Cards
The YES Prosperity Cashback Plus Credit Card offers 5% cashback on specific categories, while other YES Bank cards like Prosperity Edge focus on reward points. As of June 2026, the Cashback Plus card carries a joining and annual fee of ₹1,499 plus taxes, higher than the ₹499 plus taxes for the Prosperity Rewards Plus card.
| Feature | Cashback Plus | Prosperity Edge | Prosperity Rewards Plus |
|---|---|---|---|
| Joining Fee | ₹1,499 + applicable taxes | No joining fee | ₹499 + applicable taxes (1st Year) |
| Annual Fee | ₹1,499 + applicable taxes | No annual fee | ₹499 + applicable taxes (waived on ₹25,000-₹50,000 annual spend) |
| Welcome Benefit | ₹250 cashback on ₹2,500 spend within 30 days | 40,000 YES reward points | Not specified |
| Cashback/Reward Rate | 5% cashback on movies, groceries, utility bills; 0.50% on other retail spends | 4 reward points for every ₹200 (0.5% effective cashback) | 4X rewards on online spends, 2X rewards on offline spends |
| Fuel Surcharge Waiver | 1% waiver (transactions ₹400-₹5,000, max ₹125/cycle) | Not specified | 1% waiver (transactions ₹400-₹5,000) |
| Foreign Currency Markup Fee | 3.5% of total transaction amount | Not specified | 3.50% (effective June 15, 2026) |
| Minimum Monthly Income (Salaried) | ₹25,000 | Not specified | ₹25,000 |
| Minimum Annual Income (Self-Employed) | ₹5 Lakh | Not specified | ₹5 Lakh |
The Cashback Plus card is tailored for direct savings on daily expenses, while Prosperity Edge and Rewards Plus offer a reward points structure for broader spending categories.
Managing Your Cashback Plus Card
Effective management of your YES Prosperity Cashback Plus Credit Card ensures maximum benefits and avoids unnecessary charges. The card offers 5% cashback on movie tickets, groceries, and utility bill payments, making IT ideal for everyday savings. You can track and manage all spending through YES Bank’s digital banking services.
- Application Status: Check your application status online via the official YES Bank website or by calling their credit card customer care number.
- Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps in India, with a maximum waiver of ₹125 per statement cycle.
- EMI Conversion: Convert large purchases into easy EMIs directly through YES Bank’s digital platforms, helping manage significant expenses.
- Foreign Currency Markup: Be aware of the 3.5% foreign currency markup fee on international transactions, effective June 15, 2026, for this card variant.
- Fee Waivers: While the joining and annual fee is ₹1,499 plus taxes, some YES Bank cards offer waivers for spending ₹5,000 within 30 days or ₹50,000 annually (verify specific card terms).
Regularly reviewing your card statements and understanding the fee structure helps optimize your usage and financial planning.
Important Updates for YES Bank Credit Cards 2026
YES Bank implemented several key changes to its credit card policies, effective June 15, 2026. These revisions include higher spending thresholds for various charges, impacting fees like cash advance, auto-debit failure, and card re-issuance. The foreign currency mark-up fee for the YES Prosperity Cashback Plus Credit Card, along with other variants, has been set at 3.50% of the transaction amount.
The YES Prosperity Cashback Plus Credit Card continues to offer 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. While the YES Prosperity Cashback Credit Card has been discontinued for new customers, the Cashback Plus variant remains available. Cardholders can check their application status online via the official YES Bank website or by calling customer care.
Key Takeaways
- YES Bank credit card fees, including cash advance and auto-debit failure charges, saw increased thresholds effective June 15, 2026.
- The foreign currency mark-up fee for the YES Prosperity Cashback Plus Credit Card is 3.50% of the total transaction amount.
- The YES Prosperity Cashback Credit Card is no longer issued to new customers, but the Cashback Plus variant remains active.
For current fees and to apply, visit the official YES Bank website or your nearest branch.
Frequently Asked Questions (FAQs)
How can I apply for YES Prosperity Cashback Plus Credit Card?
You can apply for the YES Prosperity Cashback Plus Credit Card online through the official YES Bank website. Visit the credit card section, select the card, and click ‘Apply Now’. Alternatively, you can apply offline by visiting any YES Bank branch and completing the application form there.
Does YES Prosperity Cashback Plus Credit Card offer an annual fee waiver?
Yes, the YES Prosperity Cashback Plus Credit Card offers an annual fee waiver. You can typically get the annual fee waived by meeting a specific spending threshold within the previous year, as per YES Bank’s terms for 2026.
How can I check the application status of my YES Prosperity Cashback Plus Credit Card?
You can check your application status online by visiting the official YES Bank website. To the credit card section and use the application tracker. You can also contact YES Bank’s credit card customer care number for an update.
What are the key cashback benefits of the YES Prosperity Cashback Plus Credit Card?
The YES Prosperity Cashback Plus Credit Card offers 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments. IT also provides a fuel surcharge waiver of up to ₹125 per statement cycle at all petrol pumps in India.
What is the eligibility criteria for the YES Prosperity Cashback Plus Credit Card?
To be eligible for the YES Prosperity Cashback Plus Credit Card, applicants must be Indian residents aged 21 to 60 years. A minimum net monthly income of ₹25,000 is generally required, along with a CIBIL score of 700 or higher.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.