HomeCredit CardsYES Prosperity Rewards Credit Card
YES Prosperity Rewards Credit Card

Yes Bank

YES Prosperity Rewards Credit Card

mastercardbasiccreditshopping

Annual Fee

₹589₹499 + GST

Base Reward

2% points

Foreign Markup

3.4%

Apply Now
3.8/5
VerifiedLast updated 26 May 2026

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

grocery

Select Categories 1X

1X

utilities

Select Categories 1X

1X

Specialty

Select Categories 1X

1X

Specialty

Select Categories 1X

1X

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

Reward Calculator

Costs you ₹313/year

Break-even needs ~₹27,743/month at your reward mix.

Monthly spend

₹13K

across all your buckets

Points / yr

1.4K

YES Rewardz

Best worth

₹276

via standard · ₹0.2/pt

Effective rate

0.18%

Annual fee

₹589

Year 1 net

₹-313

Year 2+ net

₹-313

ongoing

Adjust your spend by reward bucket

2 buckets
0.10%Select Categories 1X
₹3,000/mo
Earns 15 yes rewardz / mo≈ ₹3 worth/mo
0.20%All other spends
₹10,000/mo
Earns 100 yes rewardz / mo≈ ₹20 worth/mo

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

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.

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

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