YES Prosperity Cashback Plus Credit Card
Welcome to a realm of enhanced savings and financial empowerment with the YES Prosperity Cashback Plus Credit Card. This card is your key to not only seamless transactions but also a world of cashback rewards. Join us as we delve into the myriad benefits and privileges this card brings, transforming the way you manage your finances and enhancing your overall spending experience.
The YES Prosperity Cashback Plus Credit Card is an enhanced and upgraded version of the YES Prosperity Cashback Credit Card, designed to provide cardholders with an array of enticing benefits. This credit card goes beyond traditional rewards by offering cashback on everyday purchases such as groceries and bill payments, making it an excellent choice for those looking to maximize their savings. With straightforward eligibility criteria, this card opens the door to a range of advantageous features, making it an attractive option for various individuals. Alongside its cashback benefits, the YES Prosperity Cashback Plus Credit Card extends additional privileges including lifestyle perks, fuel surcharge waivers, and access to loan facilities. Moreover, its protective features, such as credit shield cover and zero liability protection against lost or stolen cards, offer peace of mind. Overall, the YES Prosperity Cashback Plus Credit Card stands out as a versatile financial tool that not only rewards spending but also enhances the overall financial experience for its users.
Features and Benefits of YES Prosperity Cashback Plus Credit Card
- Welcome Benefits: When you first get the card, if you spend INR 2,500 within the first 30 days, you’ll get a cashback of INR 250.
- Cashback on your Lifestyle Spends: When you book movie tickets or buy groceries, you can get up to 5% of the money you spent back as cash.
- Foreign Currency Markup: If you use your card for transactions in foreign currency, you’ll only have to pay a small extra fee of 3.4%.
- Fuel Surcharge Waiver: If you make transactions between INR 400 and INR 5,000, you won’t have to pay the usual 1% extra fee for fuel.
- Insurance Coverage: If something happens to the main cardholder by accident, there’s insurance coverage to help.
- Dining Fiesta Program: If you enjoy eating out, you’re in for a treat. You can get at least a 15% discount at certain restaurants when you use your YES Bank Credit Card.
- Cashback Details:
You’ll get 5% cashback when you spend money on movies, groceries, and paying utility bills.
For all other kinds of spending except fuel, you’ll get a cashback of 0.75%.
YES Prosperity Cashback Plus Credit Card Fees and Charges
- First Year Membership Fee: INR 1499 plus Applicable Taxes.
- Renewal Membership Fee: INR 1499 plus Applicable Taxes.
- Interest Rates: If you don’t pay your full credit card bill on time, you’ll be charged interest at a rate of 3.80% per month. This adds up to 45.6% annually. This applies to amounts that you carry forward from one month to the next, cash advances, and any overdue payments.
- Transaction Charges:
For transactions using the card where you’re paying for something, a fee of at least 0.75% of the total amount or Rs 1, whichever is higher, will be added. This applies to rentals and wallet transactions that are more than Rs 1.
Remember, if you’re renting things, you can’t be charged this fee more than 3 times in a 30-day period.
YES Bank’s Other Cards
YES Bank BYOC Credit Card
YES Premia Credit Card
YES Prosperity Edge Credit Card
YES Prosperity Rewards Plus Credit Card
YES First Preferred Credit Card
YES Bank RuPay Credit Card
YES Bank First Exclusive Credit Card
YES Private Prime Credit Card
YES Bank Wellness Plus Credit Card
YES Bank Wellness Credit Card
YES Prosperity Rewards Credit Card
YES Bank EMI Credit Card
YES Prosperity Cashback Plus Credit Card Eligibility
- You should be between 21 and 60 years old.
- Salaried or self employed.
- You need to earn at least INR 35,000 every month as your take-home salary. Or, if you pay income tax, your income on the tax return should be INR 5 lakhs or more.
Documents Required for YES Prosperity Cashback Plus Credit Card
- Identity Proof: Aadhar Card/ Voter ID/ Driving License, etc.
- Address Proof: Ration Card/ Voter ID/ Passport, etc.
- Income Proof: Form 16/ IT Returns/ Salary Slips, etc.
How to apply for YES Prosperity Cashback Plus Credit Card?
Applying Offline (Branch Visit):
- Locate the nearest YES Bank branch to you.
- Visit the branch in person with the necessary documents, which typically include proof of identity, proof of address, income documents, and passport-sized photographs.
- At the branch, request the application form for the YES Prosperity Cashback Plus Credit Card.
- Fill out the application form with accurate and complete information.
- Attach the required documents along with the application form.
- Submit the completed application form and documents to the bank staff.
- The bank will review your application and documents. If approved, you’ll receive further instructions on the card delivery and activation process.
Applying Online (Website):
- Visit the official YES Bank website (www.yesbank.in).
- Navigate to the “Credit Cards” section.
- Look for the YES Prosperity Cashback Plus Credit Card and click on it.
- You might be prompted to provide your personal details, contact information, and income details.
- Fill in all the required information accurately.
- Upload scanned copies of the necessary documents, such as identity proof, address proof, income proof, and photographs.
- Review the information you’ve provided and make sure it’s correct.
- Submit the online application form.
- After submission, the bank will review your application. If it’s approved, you will receive communication about the next steps, which could include card delivery and activation details.
Frequently Asked Questions (FAQs) -
The YES Prosperity Cashback Plus Credit Card is a credit card offered by YES Bank, designed to provide users with cashback benefits on various spending categories and exclusive privileges.
You can apply for the card online through the YES Bank website or by visiting a YES Bank branch. The application process typically involves filling out a form and submitting the necessary documents.
- Cashback benefits on specific spending categories.
- Reward points on every transaction.
- Complimentary lounge access at select airports.
- Fuel surcharge waiver at designated petrol pumps.
- Exclusive discounts and offers on partner merchants.
The YES Prosperity Cashback Plus Credit Card provides cashback on categories such as grocery shopping, bill payments, and fuel expenses. The specific cashback rates may vary and are subject to change.
The annual fee and other charges associated with the credit card may vary. It is advisable to check the latest fee structure on the YES Bank website or contact their customer service for the most accurate and up-to-date information.
YES Prosperity Cashback Plus Credit Cardholders can typically redeem their reward points through the YES Bank rewards program. Redemption options may include shopping vouchers, merchandise, or even converting points into air miles.
The interest-free period is the duration during which you can make purchases without incurring any interest. The YES Prosperity Cashback Plus Credit Card usually offers a grace period, and the exact details can be found in the terms and conditions.
You can access your credit card statement and check your outstanding balance through the YES Bank online banking portal or mobile app. Statements are usually available for download, and you can also receive them via email.
Yes, there is typically a foreign transaction fee associated with using the credit card for international transactions. The exact fee details can be found in the terms and conditions or by contacting YES Bank customer service.
In case of loss or theft, you should immediately report it to YES Bank’s customer service helpline. They will guide you through the process of blocking the card to prevent unauthorized usage and assist you in getting a replacement card.