Yes Bank Prosperity Reward Visa Credit Card
YES Bank
Last updated: Nov 28, 2025
₹399
₹399
1.99%
2 visits/yr
Contents
The YES Bank Prosperity Reward Visa is a rewards-focused card aimed at frequent spenders who want simple, steady point accumulation across common categories. It packs modest joining fees, a clear reward-earning structure via YES Rewardz, periodic milestone and partner offers, and options to redeem or transfer points under the YES Rewardz programme. Best for shoppers and online spenders seeking flexible redemption.
Features of Yes Bank Prosperity Reward Visa Credit Card which makes it unique
YES Rewardz Integration
Centralised earn-and-redeem platform for YES Bank cards
Flexible redemptions across vouchers, flights and partner catalogues
Comparable to other bank loyalty platforms but branded as YES Rewardz
Rewards Structure of Yes Bank Prosperity Reward Visa Credit Card
Base Rewards
baseAll transactions except excluded categories
Standard earn on most spends; check Rewardz T&C for exclusions (e.g., wallet loads, some bill types).
Accelerated Rewards
acceleratedOnline spends and select merchant categories
Bank runs periodic offers that increase earn rates for online/e-commerce spends; refer official offers.
Milestone / Annual Bonus
baseAnnual/quarterly spend thresholds
Milestone bonuses vary; check card-specific brochure for exact targets and rewards.
Milestones of Yes Bank Prosperity Reward Visa Credit Card
Quarterly Spend Bonus
₹35,000 (quarter) : Complimentary domestic lounge access next quarter or bonus points depending on variant
Annual Activity Bonus
₹2,00,000 (annual) : Bonus YES Rewardz points or partner voucher (subject to bank offers)
Fees & Charges of Yes Bank Prosperity Reward Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹399 |
| Annual Fee | ₹399 |
| 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:Annual fee waiver or reversal typically on specified spends (refer bank T&C for exact threshold).
Fee Explanation Standard YES Bank rates and T&Cs apply; fees shown exclude GST where applicable. Cash advance/withdrawal attracts interest from date of transaction.
Lounge Access Benefits with Yes Bank Prosperity Reward Visa Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
Complimentary visits often linked to spend thresholds or product variant; check bank updates.
Insurance Coverage with Yes Bank Prosperity Reward Visa Credit Card
Purchase Protection
Up to ₹50,000Covers eligible purchases for a limited period; refer to product brochure.
Additional Features of Yes Bank Prosperity Reward Visa Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-on cards available as per bank policy
Fees and limits as per bank T&C.
Welcome Bonus with Yes Bank Prosperity Reward Visa Credit Card
Welcome Bonus: 10,000 YES Rewardz points
Bonus Conditions: Welcome bonus for new cardholders; points posted after qualifying spends and subject to YES Rewardz T&Cs.
Application Process for Yes Bank Prosperity Reward Visa Credit Card
Processing Time
5-10 business days (subject to verification)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via YES Bank or authorised aggregator
Upload KYC and income documents
Bank completes verification and underwriting
Card dispatched on approval (typically within 5–10 business days)
Required Documents for Yes Bank Prosperity Reward Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Yes Bank Prosperity Reward Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally on Visa network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Prosperity Reward Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; KYC and income proof required as per YES Bank underwriting.
How Approval Is Decided
- Minimum monthly income ₹30,000 (salaried guideline)
- Indian resident with valid KYC
- Acceptable credit score and credit history
Pros of Yes Bank Prosperity Reward Visa Credit Card
- Clear reward accrual via YES Rewardz
- Modest joining and annual fee
- Periodic bonus campaigns and partner offers
Cons of Yes Bank Prosperity Reward Visa Credit Card
- Reward valuation depends on redemption route
- Some categories (e.g., wallet loads, EMIs) may be excluded from earning
- Milestone benefits vary by variant and offer cadence
Frequently Asked Questions about Yes Bank Prosperity Reward Visa Credit Card
Is there a joining fee?
Yes. The standard joining fee is ₹399; the bank often runs offers to waive or reverse this on early spends—check the product page.
What is the welcome bonus?
New cardholders can receive 10,000 YES Rewardz points on meeting qualifying spends (see bonus_conditions).
How do I redeem YES Rewardz points?
Redeem via the YES Rewardz portal for vouchers, flight/hotel bookings or transfer to partners where allowed; redemption values vary.
Are fuel and utility payments eligible for points?
Fuel and some utilities may earn points but often at lower rates or with exclusions—refer to YES Rewardz rules for exact categories.
What are the typical fees for cash withdrawal?
Cash advance fee is 2.5% of the amount (minimum ₹300); interest is charged from the date of withdrawal.
How can I get the annual fee waived?
Annual fee waivers or reversals are usually linked to minimum annual spends or promotional criteria; check the card brochure for exact thresholds.
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