Yes-Bank-prosperity-cashback-plus-Mastercard credit card
YES Bank
last updated: Nov 28, 2025
₹1,499
₹1,499
1.99%
No lounge access
Contents
YES Prosperity Cashback Plus is a daily-uses cashback card aimed at shoppers and bill payers. It gives high category cashback on groceries, movie ticket bookings and utility bill payments, plus a modest base cashback on other retail spends. The card targets customers who want simple cashback earnings on frequent categories with added fuel surcharge benefit and partner offers.
Features of Yes-Bank-prosperity-cashback-plus-Mastercard credit card which makes it unique
Simple Cashback Focus
Straightforward cashback on groceries, movies and utility spends
Easy to track rewards for daily users
Simpler than multi-tier point systems
Rewards Structure of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Grocery
acceleratedSelect grocery merchants and supermarkets
Higher cashback on groceries; check merchant list and monthly caps in T&C.
Movies
acceleratedMovie ticket bookings (online/offline) as defined by bank
Applies to movie ticket purchases; verify eligible booking channels.
Utility Bill Payments
acceleratedBill payments via YES PayNow/approved channels
Utility cashback often has an overall cap — check latest MITC for exact limits.
All Other Retail
baseAll retail merchants excluding excluded categories
Base cashback on everyday spends not in accelerated categories.
Milestones of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
No Milestones
N/A : N/A
Fees & Charges of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No standard waiver; check latest bank offers for fee reversal options.
Fee Explanation Standard YES Bank rates apply. Finance charges accrue on unpaid balances as per card T&Cs.
Lounge Access Benefits with Yes-Bank-prosperity-cashback-plus-Mastercard credit card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge access on base product.
Insurance Coverage with Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Card Protection
Check bank T&CStandard accidental card protection/insurance subject to enrolment and T&C.
Additional Features of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions within defined range
Applicable at partner fuel stations; check MITC for monthly caps.
YES Rewardz
Access to YES Bank's reward catalogue and redemption options
Redemption rules and transfer thresholds apply.
Welcome Bonus with Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Welcome Bonus: ₹250 cashback
Bonus Conditions: New cardmembers: make a minimum ₹2,500 retail spend within 30 days of card issuance to receive ₹250 cashback.
Application Process for Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via YES Bank or Finanjo portal
Upload KYC and income documents
Bank conducts verification and credit assessment
Card dispatched within 5-10 business days after approval
Required Documents for Yes-Bank-prosperity-cashback-plus-Mastercard credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Yes-Bank-prosperity-cashback-plus-Mastercard credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (Mastercard network)
International Acceptance
Accepted globally on Mastercard network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; KYC and income documentation as per bank policy.
How Approval Is Decided
- Minimum income approx. ₹25,000/month (salaried) — bank may vary
- Indian resident with valid KYC
- Acceptable credit history and score (typically 650+)
Pros of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
- Clear, category-led cashback — good for everyday spenders
- Attractive welcome cashback to start
- Fuel surcharge benefit
Cons of Yes-Bank-prosperity-cashback-plus-Mastercard credit card
- Relatively high joining & annual fee (₹1,499)
- Category cashback caps reduce returns for heavy spenders
- No obvious complimentary airport lounge access on base product
Frequently Asked Questions about Yes-Bank-prosperity-cashback-plus-Mastercard credit card
Is there a joining fee?
Yes — joining fee is ₹1,499 (plus taxes). Offers or targeted waivers may be available occasionally.
What is the welcome benefit?
Get ₹250 cashback on minimum ₹2,500 spend within 30 days of card issuance (new customers only).
How much cashback do I earn on groceries and movies?
Up to 5% cashback on grocery and movie ticket purchases (subject to per-cycle category caps).
What is the base cashback on other spends?
0.75% cashback on all other retail spends (check exclusions in T&C).
Is there a fuel surcharge waiver?
Yes — a 1% fuel surcharge waiver is typically available on transactions within the bank-specified amount range (verify current cap in MITC).
How do I redeem cashback or rewards?
Cashback posts to the card account or as wallet/rewardz redemption per YES Bank's reward catalogue and processes.
Who should get this card?
Everyday spenders who frequently buy groceries, book movies and pay utility bills and want straightforward cashback.
Who should avoid this card?
Travel-focused users seeking lounge access or premium travel benefits; also avoid if you can't justify the annual fee with your spends.
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