Card Image
YES Prosperity
Annual Fee
₹250
Rewards/₹100 ⓘ
₹0.10
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
630+
At a Glance
Key Benefits
Entry-level card, low fee, basic rewards, fuel waiver
Lounge Access
No lounge access
Eligibility
Salaried: Rs.15,000+/month, Age: 21-60, CIBIL: 630+
Quick Details
Annual Fee
₹250
#63
Joining Fee
₹250
#69
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.10
#303
Reward Type Reward Points
Reward Currency Points
Min Credit Score
630+
#12
Min Monthly Income ₹NaN
Network VISA
Cash Advance Fee 2.50% (min ₹200)
Late Payment Fee ₹300
Fee Waiver on Spend ₹30,000/yr
Reward Structure
Base
All Spends
₹0.10 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned250
Cash Value₹50
Breakdown
Other Spends250
Total Value₹50
Quick amounts:
Quick Analysis
The Yes Bank YES Prosperity is a solid credit card option. With an annual fee of ₹250, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹250
- Annual fee waiver on spending ₹30000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for YES Prosperity?
Yes, the annual fee is ₹250. The fee can be waived on annual spending of ₹30000.
Is there a joining fee for YES Prosperity?
Yes, the joining fee is ₹250.
What rewards does YES Prosperity offer?
You can earn rewards worth up to ₹0.10 per ₹100 spent. The base reward rate is ₹0.10 per ₹100.
Does YES Prosperity offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for YES Prosperity?
To apply for YES Prosperity, you need minimum age of 21 years, minimum monthly income of ₹15000, credit score of 630+.
User Reviews
Ready to Apply for YES Prosperity?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.