YES PROSPERITY CASHBACK PLUS Credit Card
UnknownNow pay less for your bills with cashback on bill payments and everyday transactions.
Welcome Benefit
999 reward points on joining.
Estimated value: ₹999
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹999 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: Yes Rewardz (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Spends | 1% cashback |
| Online Spends | 5% cashback on online spends |
| Grocery | 3% cashback on grocery |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 36 months
Milestone Benefits
Annual fee of ₹999 is reversed on spending ₹2,00,000 or more in the preceding year.
Value: ₹999
Spend calculated from card anniversary date. All eligible transactions counted.
Lounge Access
2 domestic lounge visits per year.
Insurance Cover
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In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Eligibility criteria are described generally on listing page FAQ; card-specific eligibility requires dedicated card detail page.
Editor Rating
Pros
- + Good entry-level benefits
- + Annual fee easily waived
- + Fuel surcharge waiver
Cons
- – Limited premium travel benefits
- – Moderate reward rate on non-partner spends
The YES PROSPERITY CASHBACK PLUS Credit Card is a entry-level credit card from Yes Bank with a balanced rewards programme. At ₹999/year, the card is easily justified through fee waivers and regular usage benefits.