YES Prosperity Rewards Credit Card
Introducing the YES Prosperity Rewards Credit Card – a gateway to a realm of unparalleled benefits and rewards. This card is meticulously crafted to align with your lifestyle, offering a plethora of privileges that elevate your financial experience. From earning rewards on every spend to enjoying exclusive offers, the YES Prosperity Rewards Credit Card is designed to cater to your aspirations.
The YES Prosperity Rewards Credit Card is a fantastic option for those who love to shop and want to make the most out of their purchases. This credit card is designed to reward cardholders with valuable benefits and perks. With every transaction made using the card, users can earn reward points, which can be redeemed for a variety of exciting items and experiences. The card goes beyond the usual rewards by offering accelerated points on grocery and supermarket expenses, making it ideal for regular shoppers. Additionally, the card provides the convenience of a fuel surcharge waiver at all refilling stations across India, helping cardholders save on their fuel expenses. YES Prosperity Rewards Credit Card showcases how credit cards have evolved from just payment tools to valuable companions that offer tangible rewards and discounts, enhancing the overall shopping experience for users.
Features and Benefits of YES Prosperity Rewards Credit Card
Great Exchange Rates: When you spend in foreign currency, you’ll only pay a 3.40% fee.
No Fuel Surcharge: Don’t pay the 1% fuel surcharge for transactions between INR 400 to INR 5,000 at any fuel station in India.
Dining Discounts: Enjoy a minimum 15% off at select restaurants with the Dining Fiesta Program.
Travel and Dining Rewards: Get 4 reward points for every INR 200 spent on travel and dining, up to 750 rewards per statement cycle.
All Categories Rewards: Earn 2 reward points for every INR 200 spent across all categories (1 point on select categories).
Air Miles Conversion: Turn 10 reward points into 1 InterMile or 1 Club Vistara Point.
Split Payments with Instant EMI: Pay for your purchases in small parts, starting as low as INR 1500.
YES Prosperity Rewards Credit Card Fees and Charges
Joining Fee: Rs. 399 plus applicable taxes
No First-Year Fee: If you spend INR 10,000 within 30 days of getting the card, the INR 399 fee and taxes won’t apply for the first year.
Renewal Fee: Rs 299 plus applicable taxes
Renewal Fee Waiver: Spend INR 1,00,000 in the year before your card renewal, and the INR 399 fee plus taxes won’t be charged.
Interest Rates: If you carry over credit, take cash advances, or miss payments, you’ll pay 3.80% per month (45.6% yearly).
Transaction Fees: For rental and wallet transactions above Rs 1, a charge of at least 0.50% of the transaction value or Rs 1 (whichever is higher) will be applied. Remember, rental transactions are limited to 3 every 30 days.
YES Bank’s Other Cards
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 Cashback Plus Credit Card
YES Bank BYOC Credit Card
YES Bank EMI Credit Card
YES Prosperity Rewards Credit Card Eligibility
Age Requirement: You should be between 21 and 60 years old.
Employment Types: Both people who earn a salary and those who work for themselves can apply.
Income Criteria: You need a minimum monthly net salary of INR 25,000 or an income tax return of INR 5 lakhs and above.
Documents Required for YES Prosperity Rewards Credit Card
Identity Proof: Passport, PAN Card, Ration Card, Aadhaar card, Voter’s ID card, Driving license.
Address Proof: Passport, Telephone bill, Electricity bill, Voter ID card, Ration card, Aadhaar card.
Income Proof for Salaried: Recent salary slip, Bank statements for the last 6 months.
Income Proof for Self-Employed: Recent Income Tax Return (ITR), Audited Profit and Loss (P&L) statement or Balance sheet.
How to apply for YES Prosperity Rewards Credit Card?
Online Application:
- Visit the YES Bank official website ( https://www.yesbank.in/ )
- Look for the section ‘credit cards’.
- Locate the YES Prosperity Rewards Credit Card and click on “Apply Now”.
- Fill out the online application form with your personal, contact, and financial details.
- Provide the required documents, such as identity and address proofs, income proofs, etc.
- Review the information you’ve provided and submit the application.
Offline Application:
- Visit a YES Bank branch nearest to you.
- Speak to a bank representative and express your interest in applying for the YES Prosperity Rewards Credit Card.
- They will provide you with the necessary application form to fill out.
- Complete the form with accurate information and attach the required documents.
- Submit the filled application form and documents to the bank representative.
Frequently Asked Questions (FAQs) -
The YES Prosperity Rewards Credit Card is a credit card offered by YES Bank, designed to provide cardholders with various rewards and benefits on their transactions.
The card comes with features such as reward points on every transaction, milestone benefits, fuel surcharge waiver, and more. It offers a range of benefits tailored to enhance the cardholder’s lifestyle.
You can apply for the YES Prosperity Rewards Credit Card through the YES Bank website, by visiting a YES Bank branch, or by contacting the customer service hotline. The application process typically involves submitting necessary documents and meeting eligibility criteria.
The YES Prosperity Rewards Credit Card usually offers a rewards program where cardholders earn points for every eligible transaction. These points can be redeemed for a variety of rewards, including merchandise, vouchers, and more.
Credit card fees may vary, and it’s recommended to check the latest fee structure. YES Bank may charge an annual fee for the card, and some fees may be waived based on spending patterns or promotional offers.
Redemption options for reward points are typically available through the bank’s online portal or customer service. Cardholders can choose from a range of options, such as shopping vouchers, travel benefits, or cashback.
YES Bank often provides welcome bonuses for new credit card applicants. These bonuses may include extra reward points, cashback, or other promotional benefits. It’s advisable to check the latest offers when applying.
The credit limit is determined by YES Bank based on various factors such as income, credit score, and existing financial obligations. Applicants with higher creditworthiness may receive a higher credit limit.
Some credit cards provide insurance coverage, such as travel insurance or purchase protection. It’s recommended to review the card’s terms and conditions or contact customer service to understand the insurance benefits associated with the YES Prosperity Rewards Credit Card.
You can contact YES Bank’s customer service through the helpline provided on the back of your credit card or visit the bank’s official website for contact details. Additionally, many banks offer online chat and email support for customer inquiries.