Key Highlights of Yes Prosperity Rewards Credit Card

Axis Bank My Zone Credit Card
Best Suited for  Rewards
Joining Fee Rs. 399 (Waived off on spending Rs. 5,000 within 90 days of card activation)
Annual Fee Rs. 399 (Waived off on spending Rs. 25,000 in the previous year)
Welcome Benefits 0% Intro APR for 15 months on purchases and balance transfers.
Best Feature 2 reward points per Rs. 200 spent on all retail purchases
The Money Fair Rating ★★★(3/5)

The Yes Prosperity Rewards Credit Card is a premium card designed to provide customers with a range of features and benefits. It offers rewards points, cashback, complimentary airport lounge access, travel and lifestyle benefits, and more.

Up to 5X Reward Points

With this credit card, you can earn up to 5X reward points on your transactions. Here are the details regarding the same:

  • 2 reward points per Rs. 200 spent on all retail purchases
  • 1 reward point per Rs. 200 spent on selected categories
  • 5X reward points on first 3 transactions of the biller registered on YES PayNow (valid only on the first 5 billers registered)
  • 10,000 bonus reward points on spending Rs. 1.8 lakh in a year

Annual Benefits

With this credit card, The annual benefits of an Yes Prosperity Rewards Credit Card include:

  • Annual fee waived: The annual fee associated with the Prosperity Rewards Credit Card is waived in the first year and for subsequent years.
  • Cash Back Rewards: Earn 2% cash back on all purchases made with the card.
  • Balance Transfers: Take advantage of 0% introductory APR balance transfers for the first six months.
  • Bonus Rewards: Earn 5X points on select categories such as groceries and gas.
  • Travel Rewards: Earn 2X points on all travel purchases.

Other Benefits of Yes Prosperity Rewards Credit Card

Following are the additional Yes Prosperity Rewards Credit Card benefits:

  • Low credit limit: The Yes Prosperity Rewards Credit Card comes with a low credit limit, so you can easily manage your credit and spending.
  • No annual fee: There is no annual fee associated with this card so you can enjoy the benefits without any additional costs.
  • Cash back rewards: You can earn up to 5% cash back on certain purchases and up to 2% cash back on all other purchases.
  • International acceptance: The Yes Prosperity Rewards Credit Card is accepted by over two million merchants worldwide, so you can shop around the world with ease.

Credit Card Ho Toh Aisa!

It’s not just a credit card, it’s a rewards card!

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Yes Prosperity Rewards Credit Card: Fees & Charges

The fees and charges applicable to Yes Prosperity Rewards Credit Card are mentioned below:

Type of Fee/ Charge Amount

Joining Fee

Rs. 399 (Waived off on spending Rs. 5,000 within 90 days of card activation)

Annual/ Renewal Fee

Rs. 399 (Waived off on spending Rs. 25,000 in the previous year)

Finance Charges

3.50% p.m. (42% p.a.)

Late Payment Fee

  • Less than Rs. 100: Nil
  • Between Rs. 100 & Rs. 500: Rs. 150
  • Between Rs. 501 & Rs. 5,000: Rs. 500
  • Between Rs. 5,001 & Rs. 20,000 Rs. 750
  • Over Rs. 20,000: Rs. 1,000

It depends on your financial situation and what you are looking for in a credit card. The Yes Prosperity Rewards Credit Card offers a variety of rewards, including cash back and travel rewards, so it may be a good choice for those who are looking for a card with rewards. However, you should also consider the annual fee and other costs associated with the card before making your decision.

Whether or not to go for the Yes Prosperity Rewards Credit Card depends on your individual financial circumstances and goals. You should evaluate the specific features and benefits of the card, such as its annual fee, rewards program, and other features, and compare them to those of other cards that may be better suited to your needs. You should also consider the ongoing costs associated with the card, including any interest charges if applicable, and ensure that you can manage the additional costs associated with using a credit card.

Click here to apply for this credit card. 

Q.  Can I earn points for fuel transactions using my Yes Prosperity Rewards Credit Card?

A. No, you cannot earn points for fuel transactions using your Yes Prosperity Rewards Credit Card.

Q. How do I apply for the Yes Prosperity Rewards Credit Card?

A. The Yes Prosperity Rewards Credit Card is available online at the Yes Bank website. To apply, you will need to provide your personal details, contact information, and financial information. Once your application is approved, you will receive your card in the mail shortly thereafter.

Q. Can I withdraw money from my Yes Prosperity Rewards Credit Card?

A. Yes, you can withdraw money from your Yes Prosperity Rewards Credit Card. However, you will be charged a cash advance fee, which is typically 3% of the amount withdrawn. Cash advances also start accruing interest immediately, so it is not recommended to use a credit card for cash withdrawals.

Q. What is the foreign transaction fee charged by Yes Prosperity Rewards Credit Card?

A. The foreign transaction fee charged by the Yes Prosperity Rewards Credit Card is 3%.

Q. I don't have a bank account. Can I apply for an Yes Prosperity Rewards Credit Card?

A. No, you cannot apply for a Prosperity Rewards Credit Card without a bank account. The card requires an eligible bank account to be linked to the card in order to earn rewards points.