← Part of Yes Bank Credit Cards in India
The YES Prosperity Rewards Credit Card is an entry-level card designed for everyday spending, offering up to 2 reward points for every ₹200 spent. As of May 2026, IT carries a joining and annual fee of ₹499 plus applicable taxes, with a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
| Parameter | Details |
|---|---|
| Card Name | YES Prosperity Rewards Credit Card |
| Card Type | Entry-level rewards credit card |
| Joining Fee | ₹499 + applicable taxes |
| Annual Fee | ₹499 + applicable taxes |
| Annual Fee Waiver Condition | Renewal fee waived off on spending of ₹1.8 Lakh or more in a year |
| Reward Points (General Spends) | Up to 2 reward points on every ₹200 spent (except select categories) |
| Reward Points (Select Categories) | 1 reward point on every ₹200 spent |
| Annual Spending Reward | 10,000 reward points on annual spending of ₹1.8 Lakh or more |
| Fuel Surcharge Waiver | 1% waiver across all fuel stations in India for transactions from ₹400 – ₹5,000 |
| Foreign Currency Markup Fee | 3.40% |
| Interest Rate | 3.8% per month |
| Airport Lounge Access | No |
| Application Mode | Online and Offline |
| Preferred CIBIL Score | 750 or above |
| Minimum Age | 21 years |
| Maximum Age | 60 years |
| Employment Status | Salaried or Self-employed |
| Minimum Net Monthly Income | ₹40,000 (for general YES Bank credit cards) |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill (not more than 3 months old), Ration Card, Bank Account Statement |
| Proof of Identity | Aadhaar card, Passport, PAN card, Driver’s License |
| Proof of Income | Latest salary slips (salaried), Latest ITR (self-employed) |
This card focuses on rewarding everyday transactions, making IT suitable for users prioritizing points on routine expenses rather than travel benefits.
Rewards & Benefits: YES Prosperity Card
The YES Prosperity Rewards Credit Card offers up to 2 reward points on every ₹200 spent, with a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Cardholders can also earn 10,000 bonus reward points on annual spending of ₹1.8 lakh or more, making IT suitable for everyday expenses.
| Type/Category | Details | Key Feature |
|---|---|---|
| General Spends | Earn up to 2 reward points on every ₹200 spent (excluding select categories). | Everyday Rewards |
| Select Categories (Prosperity Rewards) | Earn 1 reward point on every ₹200 spent in specific categories. | Targeted Rewards |
| Online Shopping (YES ACE Credit Card) | 4X rewards (8 points per ₹200 spent) on online purchases. | Accelerated Online Rewards |
| Offline Spends (YES ACE Credit Card) | 2 points per ₹200 spent on offline transactions. | Standard Offline Rewards |
| Dining, Birthdays, International & Online Spends (Prosperity Rewards Plus) | Accelerated rewards on dining, birthdays, international, and online spends. | d Lifestyle Rewards |
| Grocery & Supermarket (Prosperity Rewards Plus) | Bonus reward points on grocery and supermarket transactions. | Spends Bonus |
| Utility & Insurance Payments (Prosperity Rewards Plus) | 2 Reward Points per ₹200 spent on utility and insurance payments. | Bill Payment Rewards |
| Annual Spends (Prosperity Rewards) | 10,000 reward points on annual spending of ₹1.8 lakh or more. | Milestone Bonus |
| Annual Spends (Prosperity Rewards Plus) | 12,000 Bonus Reward Points on retail spends of ₹3.6 lakh or more in an anniversary year. | High Spender Bonus |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India. | Fuel Savings |
| Forex Markup Fee | Low forex markup fee of 3.40% on international transactions. | Cost Savings on International Spends |
| Redemption Options | Redeem points for products from a curated catalogue, JPMiles, or vouchers. | Flexible Redemption |
| Insurance Coverage (Prosperity Rewards Plus) | Credit Shield cover for the primary cardmember in case of accidental death. | Financial Protection |
| Complimentary Golf Program (Business Credit Card) | One complimentary golf lesson per month and green fee waiver at select golf courses. | Exclusive Lifestyle Privilege |
| Airport Lounge Access (Business Credit Card) | Access to lounges for VISA credit cardholders by their card. | Travel Comfort |
| Subscription Plans (YES ACE Credit Card) | Up to 5X reward points on spends through subscription plans. | d Subscription Rewards |
The YES Prosperity Rewards Plus Credit Card, previously known as YES ACE Credit Card, offers accelerated rewards on categories like dining and travel, along with insurance benefits.
Fees & Charges: YES Prosperity Rewards Card
The YES Prosperity Rewards Credit Card carries a joining and annual fee of ₹499 plus applicable taxes as of 2026. This fee can often be waived based on specific spending thresholds set by YES Bank. Understanding all associated charges helps manage your credit card expenses effectively.
| Metric | Value (₹) | Source |
|---|---|---|
| Joining Fee (YES Prosperity Rewards Credit Card) | 499 + applicable taxes | YES Bank Official Website (as of May 2026) |
| Annual Fee (YES Prosperity Rewards Credit Card) | 499 + applicable taxes | YES Bank Official Website (as of May 2026) |
| First Year Fee Waiver Condition | Spend over ₹5,000 within 30 days of card issuance | YES Bank Official Website (as of May 2026) |
| Renewal Fee Waiver Condition | Spend ₹50,000 in a year | YES Bank Official Website (as of May 2026) |
| Foreign Currency Markup Fee | 3.40% of transaction amount | YES Bank Official Website (as of May 2026) |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 – ₹5,000) | YES Bank Official Website (as of May 2026) |
| Maximum Fuel Surcharge Waiver | 125 per statement cycle | YES Bank Official Website (as of May 2026) |
| Cash Advance Fee | 2.5% of withdrawn amount (minimum ₹300) | YES Bank Official Website (as of May 2026) |
| Reward Redemption Fee (for all other YES Bank cards) | 100 per redemption | YES Bank Official Website (as of May 2026) |
| Utility Payment Charge (effective Jan 15, 2026) | 1% of transaction + GST (if monthly spend > ₹15,000) | YES Bank Official Website (as of Jan 2026) |
| Fuel Transaction Charge (effective Jan 15, 2026) | 1% of transaction + GST (if transaction > ₹10,000 or monthly cumulative > ₹25,000) | YES Bank Official Website (as of Jan 2026) |
| Goods and Services Tax (GST) | 18% (applicable on all banking products and services) | Income Tax Department (as of July 2017) |
The annual fee waiver for the YES Prosperity Rewards Credit Card is typically granted upon achieving a specified annual spending target. Always review the latest terms and conditions on the YES Bank website for current fee structures and waiver criteria.
Applying for YES Prosperity Rewards Card
Applying for the YES Prosperity Rewards Credit Card in 2026 is a straightforward process available through both online and offline channels. Most applicants with a CIBIL score of 750 or above and a net monthly income of ₹25,000 can expect quick approval.
The application typically involves submitting an online form or visiting a YES Bank branch, along with necessary identity and address proofs.
- Online Application: Visit the official YES Bank website and locate the YES Prosperity Rewards Credit Card section. Fill out the digital application form with personal, financial, and employment details.
- Offline Application: Alternatively, visit your nearest YES Bank branch. A bank representative will assist you in filling out the physical application form and submitting the required documents.
- Eligibility Check: Ensure you meet the primary criteria: age between 21 and 60 years, a steady source of income (minimum ₹25,000 per month for salaried individuals, or an ITR of ₹7.5 lakh for self-employed), and a preferred CIBIL score of 750 or higher.
- Document Submission: Prepare documents such as identity proof (Aadhaar, Passport), address proof (Aadhaar, Driver’s License, utility bill not older than 3 months), and income proof (salary slips, bank statements, ITR).
- Fixed Deposit Option: If you do not meet the income or CIBIL score criteria, the YES Prosperity Rewards Plus Card can be issued against a fixed deposit, providing an alternative path to card ownership.
- Credit History Review: YES Bank evaluates your credit history and debt-to-income ratio (DTI) during the application process. A strong credit profile approval chances.
- Application Status: After submission, you can track your application status by calling YES Bank’s general assistance number, 1800-103-1212.
- Card Issuance: Upon successful verification and approval, the YES Prosperity Rewards Credit Card will be dispatched to your registered address. Voucher delivery typically takes 5–7 working days after transaction validation.
The application process is designed for convenience, allowing you to choose the method that best suits your preference for securing the YES Prosperity Rewards Credit Card.
Eligibility & Documents: YES Prosperity Card
To qualify for the YES Prosperity Rewards Credit Card, applicants generally need a CIBIL score of 750 or higher and a steady income source. YES Bank typically requires applicants to be between 21 and 60 years of age.
Meeting these criteria and providing the necessary documents streamlines the application process for the card.
- Age Requirement: Applicants must be between 21 and 60 years old at the time of application. This age range applies to both salaried and self-employed individuals.
- Employment Status: The card is available to both salaried individuals and self-employed professionals. A stable employment history is a key factor.
- Minimum Income: Salaried applicants for the YES Prosperity Rewards Plus Credit Card need a minimum net monthly income of ₹25,000. For self-employed individuals, an Income Tax Return (ITR) of ₹7.5 lakh or more is preferred.
- Credit Score: A CIBIL score of 750 or above is generally preferred by YES Bank for approving credit card applications, indicating strong creditworthiness.
- Proof of Identity: Valid documents include an Aadhaar card, Passport, Driver’s License, or PAN card. These establish the applicant’s identity.
- Proof of Address: Acceptable documents include an Aadhaar card, Passport, Driver’s License, a utility bill (not more than 3 months old), or a bank account statement.
- Proof of Income: Salaried applicants typically submit their latest salary slips (3 months) and bank statements. Self-employed individuals provide their latest ITR and bank statements.
- Fixed Deposit Option: The YES Prosperity Rewards Plus Card can also be issued against a fixed deposit, offering an alternative for those who may not meet standard income criteria.
Applicants must reside in cities where YES Bank offers credit card services and provide all required documentation for verification.
YES Prosperity Rewards Vs. Other YES Bank Cards
The YES Prosperity Rewards Credit Card is an entry-level option, offering 2 reward points per ₹200 spent on most categories. In contrast, the YES ACE Credit Card provides accelerated 4X rewards (8 points per ₹200) on online shopping, while the YES Prosperity Rewards Plus card focuses on travel and dining benefits.
All three cards share a similar joining and annual fee of ₹499 plus applicable taxes, with waivers often available on specific spending thresholds within the first year or for renewal.
| Feature | YES Prosperity Rewards | YES Prosperity Rewards Plus | YES ACE Credit Card |
|---|---|---|---|
| Card Type | Entry-level reward credit card | Entry-level credit card for everyday spends, especially travel and dining | Entry-level credit card for everyday spends |
| Joining Fee | ₹499 + applicable taxes | ₹499 + applicable taxes (waived on spends of ₹5,000 within 30 days) | ₹499 (waived on spends over ₹5,000 within 30 days) |
| Annual Fee | ₹499 + applicable taxes (renewal fee waived on spending of ₹50,000) | ₹499 + applicable taxes (reversed on spends of ₹50,000) | ₹499 (renewal fee waived on spending of ₹50,000) |
| Reward Points on Online Spends | 2 reward points per ₹200 spent (up to 5X with subscription plan) | 4X rewards on online spends (8 points per ₹200 spent) | 4X rewards (8 points per ₹200 spent) |
| Reward Points on Offline Spends | 2 reward points per ₹200 spent | 2X rewards on offline spends | 2 points per ₹200 spent |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 – ₹5,000 | 1% waiver on transactions between ₹400 – ₹5,000 | 1% waiver on fuel spends |
| Foreign Currency Markup | 3.40% | Not specified | Not specified |
| Airport Lounge Access | No | Not specified | Not specified |
| Paisabazaar Rating (Rewards) | Not specified | 3.0/5.0 (as of May 2026) | 3.0/5.0 (as of May 2026) |
| Paisabazaar Rating (Shopping) | Not specified | 3.5/5.0 (as of May 2026) | 3.5/5.0 (as of May 2026) |
| Paisabazaar Rating (Lifestyle) | Not specified | 3.0/5.0 (as of May 2026) | 3.0/5.0 (as of May 2026) |
| Previous Name | Not applicable | YES ACE Credit Card | Prosperity Rewards Plus Credit Card |
The YES ACE Credit Card and YES Prosperity Rewards Plus Credit Card offer higher reward rates on specific spending categories compared to the standard YES Prosperity Rewards card.
Redeeming YES Prosperity Reward Points
YES Prosperity Rewards Credit Card points can be redeemed for various products and services through the YES Rewardz portal. Cardholders can also convert points to JPMiles for travel benefits, offering flexibility for everyday spending rewards.
A reward redemption fee of ₹100 applies per redemption for most YES Bank credit cards, as of 2026.
- Online Catalogue: Redeem accumulated reward points for products from a curated catalogue available on the dedicated YES Rewardz platform. This platform also helps bookings for flights, hotels, and movies.
- JPMiles Conversion: Convert YES Prosperity Rewards Plus Credit Card points into JPMiles, providing value for frequent travelers. The conversion rate is typically 10 Reward Points for 1 InterMile or 1 Club Vistara Point.
- Lifestyle Benefits: Utilize reward points for various lifestyle benefits offered through the YesPrivileges program, the cardholder’s overall experience.
- Voucher Redemption: Exchange reward points for vouchers from popular brands, which are usually delivered within 5-7 working days after successful transaction validation.
- Accelerated Rewards: The YES Prosperity Rewards Plus Credit Card offers accelerated rewards on categories like dining, birthdays, international, and online spends, which can then be redeemed for desired products.
The YES Rewardz portal provides a centralized platform for managing and redeeming points, ensuring a streamlined process for cardholders.
Customer Service & Lost Card Reporting
YES Bank provides dedicated customer service channels for YES Prosperity Rewards Credit Card holders in India. Cardholders can report a lost or stolen card immediately to prevent fraudulent transactions. The bank offers multiple toll-free numbers and international contact options for assistance.
- For general assistance or credit card application status, call the toll-free number 1800-103-1212. This number is accessible from mobile and landlines within India.
- To redeem YES Rewardz points, use the toll-free number 1800-103-6000. This dedicated line handles all reward redemption queries.
- NRI customers and those calling from outside India can reach customer care at +91 22 4935 0000 for reward redemption and other services.
- If your YES Prosperity Rewards Credit Card is lost or stolen, immediately call the credit card customer service at 1800-1200 (toll-free). Prompt reporting helps protect against misuse.
- The customer service team can assist with various card-related queries, including transaction disputes, statement details, and updating personal information.
- Ensure you have your card details or account information ready when contacting customer service for faster resolution.
Key Takeaways
- YES Bank offers a toll-free number (1800-103-1212) for general credit card inquiries and application status.
- Lost or stolen YES Prosperity Rewards Credit Cards must be reported immediately via the dedicated toll-free line (1800-1200).
- NRI customers can access support and reward redemption services by calling +91 22 4935 0000.
For detailed assistance or to report a lost card, contact YES Bank customer care directly through the official channels.
Frequently Asked Questions (FAQs)
What are the main benefits of the YES Prosperity Rewards Credit Card?
The YES Prosperity Rewards Credit Card offers reward points on everyday spending, with 4X rewards on online shopping and 2X rewards on offline purchases. Cardholders can also earn up to 5X reward points on subscription plans. This card is designed for daily use and maximizing reward accumulation.
What are the fees for the YES Prosperity Rewards Credit Card in 2026?
The YES Prosperity Rewards Credit Card has a joining fee and an annual fee of ₹499 plus applicable taxes. The renewal fee can be waived if you meet a specific spending threshold, as per YES Bank’s terms for 2026. Always verify the latest fee structure on the official YES Bank website.
Does the YES Prosperity Rewards Credit Card offer airport lounge access?
No, the YES Prosperity Rewards Credit Card does not offer airport lounge access benefits. As an entry-level rewards credit card, its primary focus is on earning reward points for everyday transactions. IT does not include travel-specific perks like lounge access.
How can I apply for the YES Prosperity Rewards Credit Card?
You can apply for the YES Prosperity Rewards Credit Card through both online and offline channels. Visit the official YES Bank website to complete the online application form, or visit your nearest YES Bank branch to apply in person. Ensure you have all required documents ready for submission.
What documents are required for the YES Prosperity Rewards Credit Card application?
Key documents for the YES Prosperity Rewards Credit Card application include proof of address (Aadhaar card, Driver’s License, Passport, or a utility bill not older than 3 months) and proof of identity. You will also need income proof, such as salary slips or bank statements, to establish eligibility. Always check YES Bank’s official list for the most current requirements.
What is the reward point structure for online and offline spending?
The YES Prosperity Rewards Credit Card offers 4X reward points (8 points per ₹200 spent) on online shopping transactions. For offline purchases, cardholders earn 2X reward points. , you can earn up to 5X reward points on spends through specific subscription plans.
Is there a fuel surcharge waiver with the YES Prosperity Rewards Credit Card?
Yes, the YES Prosperity Rewards Credit Card offers a 1% fuel surcharge waiver on fuel transactions. This waiver applies to transactions within a specified range, typically between ₹400 and ₹5,000 per transaction. Always review the card’s terms and conditions for exact limits and exclusions.
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.