YES Prosperity Rewards Credit Card

rupaybasiccreditshopping

Annual Fee

₹499

Base Reward

2% points

Foreign Markup

3.4%

3.8/5

Product Highlights

2 Reward Points for every ₹200 spent on all categories other than select categories
4 Reward Points for every ₹200 spent on dining and travel

Category Rewards

dining

4 RPs/₹200 Spent on Dining

travel

4 RPs/₹200 Spent on Travel

other

2 RPs/₹200 Spent on All Other Categories

Fee Waiver

Joining Fee Waiver on Spend of ₹10,000 Within the First 30 Days of Card Issuance. On Annual Spends of ₹1 Lakh, Get the Annual Fee Waiver

Rewards Details

Earn 4 Reward Points for every ₹200 spent on Dining and Travel. Earn 2 Reward Points for every ₹200 spent on all categories other than select categories.

Reward Points — Redemption Value

1 Reward Point = ₹0.10 against shopping, e-vouchers, movies, recharges, etc. 1 Reward Point = ₹0.25 for hotel and flight bookings.

Benefits & Features

15% Discount at Select Restaurants

Pros & Cons

Pros

Joining Fee Waiver on Spend of ₹10,000 within the first 30 days
Annual Fee Waiver on annual spending of ₹1 lakh

Cons

Limited to select categories for lower reward points
No insurance benefits mentioned

Additional Info

Capped at 750 RPs monthly for dining and travel.

Fees & Charges

Annual Fee₹499

Joining Fee₹499 + GST

Fee WaiverJoining Fee Waiver on Spend of ₹10,000 Within the First 30 Days of Card Issuance. On Annual Spends of ₹1 Lakh, Get the Annual Fee Waiver

Foreign Markup3.4%

Interest Rate3.8% per month

Cash Advance2.5% of the transaction amount subject to a minimum charge of ₹300

Redemption Fee₹100

Eligibility

Min Age

21 yrs

Salaried

₹3.0L+

Self-Emp

₹5.0L+

Networks

rupay

Fee Waiver

Joining Fee Waiver on Spend of ₹10,000 Within the First 30 Days of Card Issuance. On Annual Spends of ₹1 Lakh, Get the Annual Fee Waiver