YES Prosperity Cashback Mastercard Credit Card
YES Bank
Last updated: Feb 03, 2026
₹999
₹999
3.4%
4 visits/yr
Contents
YES Prosperity Cashback Mastercard Credit Card is a mid-level cashback and rewards credit card from YES Bank designed for everyday spending on groceries, movies, utility bill payments and online shopping. Cardholders earn 5% cashback on select essential categories along with 0.5% cashback on other eligible retail spends, plus reward points that can be converted into InterMiles or Club Vistara points. The card also offers 1 complimentary domestic lounge access per quarter, a 1% fuel surcharge waiver and a golf program on select courses in India. Though issuance to new customers has been discontinued, existing cardholders can still enjoy strong value-back if they optimise spends in the 5% cashback categories.
Features of YES Prosperity Cashback Mastercard Credit Card which makes it unique
Dual Cashback + Rewards Engine
Earn direct cashback on key household categories while also accumulating YES Rewardz points on everyday spends.
Maximises value-back for families who spend regularly on groceries, movies and utilities.
Rare combination of 5% cashback plus air miles conversion compared to other mid-range cashback cards.
Everyday Spends Focus
Structure specifically built around daily spends like groceries, bill payments and routine shopping rather than niche luxury categories.
Helps average Indian consumers reduce monthly living costs through guaranteed cashback.
More practical for regular users than many travel-only or premium lifestyle credit cards.
Lifestyle Privileges on a Cashback Card
Complimentary domestic airport lounge access and golf benefits on a mid-level cashback product.
Access to premium experiences without paying for a high-end super-premium card.
Few cashback cards in this fee range combine lounge, golf and rewards into one package.
Rewards Structure of YES Prosperity Cashback Mastercard Credit Card
YES Rewardz Points – Select Categories
baseSelect merchant categories as defined by YES Bank from time to time.
Lower earn rate on certain categories; exact MCC mapping may change as per bank’s internal policy.
YES PayNow Bill Payments
baseFirst 3 transactions done via YES PayNow for the first 5 registered billers.
Great way to boost YES Rewardz points by routing key utility bills through YES PayNow.
Movies, Groceries & Utility Bill Payments
baseRetail transactions on movie tickets, grocery stores, supermarkets and registered utility billers (including YES PayNow bill payments).
Minimum transaction value of ₹500 required for cashback. No cashback on fuel, cash withdrawals, EMI, fees, charges or wallet loads.
Other Retail Spends
baseAll other eligible retail transactions in India and overseas except fuel and excluded categories.
Useful for general shopping, dining and online payments, but best value comes from maximising 5% categories.
YES Rewardz Points – Regular Spends
baseMost everyday retail spends on the card as classified by YES Bank.
Reward points can be redeemed for merchandise, vouchers or converted to InterMiles / Club Vistara points.
Milestones of YES Prosperity Cashback Mastercard Credit Card
Annual Milestone Bonus
₹6,00,000 in an anniversary year : 15,000 bonus YES Rewardz points credited after crossing the annual spend threshold.
Fees & Charges of YES Prosperity Cashback Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.4% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,000 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee of ₹999 + taxes waived on retail spends of ₹75,000 in the previous anniversary year.
Fee Explanation Finance charges up to 3.99% per month on revolving balances, 2.5% of amount withdrawn for cash advances (min ₹300), overlimit fee 2.5% of overlimit amount (min ₹500), late payment fee up to ₹1,000 per statement as per slab, and 3.40% foreign currency markup. Fees are subject to change as per YES Bank MITC.
Detailed Explanation of YES Prosperity Cashback Mastercard Credit Card Fees
Joining Fee: ₹999 + taxes (once)
Payable in the first year; sometimes waived under limited-time YES Bank or partner offers.
Annual / Renewal Fee: ₹999 + taxes (yearly)
Waived on retail spends of ₹75,000 in the 12 months preceding renewal.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applicable on unpaid dues, cash advances and revolved balances as per YES Bank MITC.
Cash Advance Fee: 2.5% of amount (min ₹300) (transaction)
Charged on ATM and over-the-counter cash withdrawals from the credit limit.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (statement)
Applied when total outstanding exceeds the assigned credit limit.
Late Payment Fee: Up to ₹1,000 per statement (statement)
Slab-based: Nil for small balances, increasing up to ₹1,000 for statement balances above ₹20,000.
Returned Payment / Cheque Bounce: ₹350 (instance)
Charged per returned payment due to cheque bounce, failed NACH mandate, or other reasons.
Foreign Currency Markup: 3.40% of transaction amount (transaction)
Applied on all international transactions including online payments charged in foreign currency.
Fuel Surcharge: 1% surcharge waived (transaction)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India, subject to monthly cap as per MITC.
Reward Redemption Fee: ₹100 (redemption)
Applicable per redemption request through the YES Rewardz portal or customer care.
Lounge Access Benefits with YES Prosperity Cashback Mastercard Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic airport lounge access per calendar quarter for the primary cardholder at select Mastercard lounges in India. Access is subject to eligible card status and Mastercard program rules.
international Lounges
silverVisits per year: 0
Guest access: No
Complimentary Priority Pass membership (for Mastercard variants) on request; lounge visits are chargeable at ~USD 27 + taxes per visit. Some Visa variants use LoungeKey access with per-visit charges.
Insurance Coverage with YES Prosperity Cashback Mastercard Credit Card
Credit Shield Cover
Up to ₹3,00,000Outstanding credit card dues covered in case of accidental death or permanent total disability of the primary cardholder, as per group insurance policy terms.
Additional Features of YES Prosperity Cashback Mastercard Credit Card
Contactless Payments
Tap-and-pay enabled Mastercard credit card for quick transactions at NFC-enabled POS terminals.
Contactless transactions allowed up to RBI-approved limits without PIN; above that, PIN is required.
Instant EMI Conversion
Option to convert large purchases into EMIs directly at the merchant or through YES Bank channels.
Available on eligible transactions above minimum ticket size; processing fee and interest rate as per prevailing offers.
YES PayNow Auto-debit
Register utility billers and pay bills automatically while earning cashback and reward points.
Billers must be registered and approved; cashback and rewards subject to category eligibility and caps.
Digital Account Management
Manage card through YES Bank net banking and mobile app with statements, spends tracking, and card controls.
Active YES Bank online banking access required for self-service features.
Add-on Cards
Add-on cards for family members to consolidate spends and benefits.
Primary cardholder remains liable for all add-on card transactions; eligibility and KYC rules apply.
Welcome Bonus with YES Prosperity Cashback Mastercard Credit Card
Welcome Bonus: ₹250 cashback
Bonus Conditions: Get ₹250 cashback on total retail spends of ₹2,500 within 30 days of card setup.
Application Process for YES Prosperity Cashback Mastercard Credit Card
Processing Time
7-10 working days after successful document verification and underwriting.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank credit card page or a trusted partner site and select YES Prosperity Cashback Credit Card (for existing upgrade or service requests).
Fill in your personal, employment and income details and share your contact information for verification.
Upload KYC documents such as PAN, Aadhaar, address proof and income proof or provide them during physical pickup.
YES Bank performs internal eligibility checks, credit bureau checks and risk assessment based on your profile.
On approval, the card is processed, printed and dispatched to your registered address, and the PIN can be set via net banking, mobile app, ATM or customer care.
Required Documents for YES Prosperity Cashback Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
YES Prosperity Cashback Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at most POS terminals, e-commerce websites and payment gateways that support Mastercard credit cards.
International Acceptance
Accepted globally at merchants and ATMs on the Mastercard network wherever international credit cards are supported.
Online Acceptance
Yes, can be used for domestic and international e-commerce, subscriptions and in-app payments subject to RBI-level card controls.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Prosperity Cashback Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian citizens and residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹41,667
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be between 21 and 60 years, have a stable income, a clean repayment history with no recent defaults, and reside in YES Bank serviceable locations.
How Approval Is Decided
- Indian resident with age typically between 21 and 60 years.
- Salaried income of around ₹25,000 per month or self-employed income of at least ₹5 lakh per annum.
- Good credit profile with a credit score of approximately 750 or higher and no recent serious delinquencies.
- Positive internal assessment by YES Bank on stability, repayment capacity and overall credit behaviour.
Pros of YES Prosperity Cashback Mastercard Credit Card
- High 5% cashback on key everyday categories like movies, groceries and utility bill payments.
- 0.5% cashback on other eligible retail spends plus YES Rewardz points on most transactions.
- Complimentary domestic airport lounge access every quarter for the primary cardholder.
- 1% fuel surcharge waiver on fuel spends within eligible transaction range at all pumps in India.
- Ability to convert YES Rewardz points into InterMiles and Club Vistara points for flight redemptions.
- Annual fee can be waived on achieving reasonable yearly spend thresholds, improving long-term value.
Cons of YES Prosperity Cashback Mastercard Credit Card
- Issuance to new customers has been discontinued, so only existing cardholders can use or upgrade benefits.
- Overall cashback is tightly capped at ₹100 per statement cycle, which limits returns for high spenders.
- Foreign currency markup at 3.40% makes it less attractive as a primary international travel card.
- Late payment, finance charges and overlimit fees are relatively high if dues are not cleared in full.
- No cashback on fuel, cash transactions, wallet loads, fees or certain excluded categories.
Frequently Asked Questions about YES Prosperity Cashback Mastercard Credit Card
Does the YES Prosperity Cashback Mastercard Credit Card offer airport lounge access?
Yes, the card offers 1 complimentary domestic airport lounge access per calendar quarter at participating Mastercard lounges in India for the primary cardholder. International lounge access is available via Priority Pass or LoungeKey, but visits are chargeable per use.
What is the minimum income required for the YES Prosperity Cashback Mastercard Credit Card?
Most partner sites and YES Bank communication indicate that salaried applicants should typically have a minimum monthly income of around ₹25,000, while self-employed applicants should have an annual income of at least ₹5 lakh, along with a good credit score of 750 or above.
Is the YES Prosperity Cashback Mastercard Credit Card still available for new customers?
No. As per recent updates, the YES Prosperity Cashback Credit Card has been discontinued for new sourcing by YES Bank, but existing cardholders can continue using it as per the latest MITC and benefit updates.
What is the annual fee and renewal fee for the YES Prosperity Cashback Mastercard Credit Card?
The card typically carries a joining and annual fee of ₹999 + taxes. The renewal fee may be waived when you meet the annual spend requirement (for example, around ₹75,000 of eligible retail spends in the previous year, subject to the latest YES Bank schedule of charges).
How does the 5% cashback work on the YES Prosperity Cashback Mastercard Credit Card?
You earn 5% cashback on eligible movie ticket bookings, grocery spends and utility bill payments, including certain YES PayNow bill payments. Cashback is usually credited to your card account and is capped at ₹100 per statement cycle with a minimum transaction value of ₹500 for cashback eligibility.
Are there any limits or exclusions on earning cashback and reward points?
Yes. Cashback is capped at ₹100 per statement cycle and is not earned on fuel, cash withdrawals, fees, charges, wallet loads and other excluded categories as defined by YES Bank. Reward points may also not accrue on certain transactions and are governed by the YES Rewardz program terms and the latest MITC.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
