Yes Bank
YES Prosperity Cashback Plus Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
0.75% cashback
Foreign Markup
3.4% on all foreign currency spends
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
Category Rewards
entertainment
5% on Movies + Groceries
5%
grocery
5% on Movies + Groceries
5%
utilities
5% on Utility Bill Payments (via Auto-Pay)
5%
Reward Calculator
Earns ₹2,131/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
₹3.9K
direct cashback
₹3.9K
via direct credit
Effective rate
2.03%
Annual fee
₹1,769
Year 1 net
+₹2,131
Year 2+ net
+₹2,131
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5% on Movies + Groceries
Headline: 5.00% effective
₹100/cycle ÷ 5.00% = ₹2,000 eligible spend/cycle
5% on Utility Bill Payments (via Auto-Pay)
Headline: 5.00% effective
₹750/cycle ÷ 5.00% = ₹15,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
rent, wallet, fuel, cash advance, government, emi pos conversion
Fuel surcharge waiver (good news)
capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
Benefits & Features
1% fuel surcharge is waived off for all transactions between ₹400 & ₹5,000.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹5.0L+
Networks