YES Prosperity Cashback Plus Credit Card
Yes Bank
Annual Fee
₹1,499
Joining Fee
₹1,499 + GST
Base Reward
0.75% cashback
Foreign Markup
3.4% on all foreign currency spends
Interest Rate
3.5% per month
Welcome Benefits
A cashback of Rs. 250 on spending Rs. 2,500 within the first 30 days.
Product Highlights
- 0.75% cashback on all retail spending
- 5% cashback on groceries and movie ticket bookings
- 5% cashback on utility bill payments through YES PayNow
Rewards
You get a cashback of 0.75% on all your retail purchases (except on fuel). You get a 5% cashback on movie ticket bookings for a minimum transaction of Rs. 100. The maximum benefit with this offer is capped at Rs. 100 per statement cycle. You get a 5% cashback on grocery purchases for a minimum transaction of Rs. 500. The maximum benefit with this offer is capped at Rs. 100 per statement cycle. A 5% cashback on paying utility bills through YES PayNow.
Redemption
The cashback you earn using your Prosperity Cashback Plus Card is automatically credited to your credit card account after making the eligible purchase.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 0.75%(0.75% CashBack on all retail spends) | No cap |
entertainment | 5%(5% CashBack on movie ticket bookings) | No cap |
grocery | 5%(5% CashBack on grocery purchases) | No cap |
utilities | 5%(5% CashBack on utility bill payments) | No cap |
Benefits & Features
1% fuel surcharge is waived off for all transactions between ₹400 & ₹5,000.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹35,000
Min Income (Self-Employed)
₹5,00,000
Available Networks
Pros & Cons
Pros
- Assured cashback of 0.75% on all retail spends
- 5% cashback on groceries & movie ticket bookings
- Welcome benefit of ₹250 on spending ₹2,500 within 30 days
Cons
- Annual fee of ₹1,499 + GST
- Cashback capped at ₹100 per statement cycle for certain categories
Additional Info
The maximum benefit through fuel surcharge waiver is capped at ₹125 per month.
Excluded Categories