Yes Bank Prosperity Cashback Credit Card: Benefits & Charges

Credit card in the present time is not just a mode of making payments, but it also makes our daily life easy and convenient. When talking about maximum benefits, Yes Bank Prosperity Cashback Credit Card comes out to be an excellent option. It not only offers you better cash back on your spending but also makes every transaction valuable. Whether shopping, dining, or bill payments, every expense becomes a benefit with this card.

The Yes Bank Prosperity Cashback Credit Card offers you the maximum cash back on all of your expenses. The primary motive of Yes Bank Prosperity Cashback Credit Card is to make you save on every transaction. If you are surfing the internet for online shopping or going to a restaurant for dinner, if you are paying everyday bills, Credit Card offers you the facility of getting cashback on each step.

The numerous benefits of Credit Card make it a perfect partner that not only manages your expenses but also increases your savings. Using Yes Bank Prosperity Cashback Credit Card not only gives you a comfortable lifestyle but also strengthens your financial security. Joining this great offer of Yes Bank means prioritizing prudence and savings in your financial life.

Let us know through this article about the features of Yes Bank Prosperity Cashback Credit Card and how it can make your life even easier. So read till then so that you do not face any problems later while taking the Credit Card.

Table of Contents

What is the Yes Bank Prosperity Cashback Credit Card?

Credit Card is a unique credit card for those customers of Yes Bank who want to receive better cashback on their everyday spending. It offers cashback on different kinds of spending like online shopping, dining, grocery, and bill payments, which saves on your expenses.

This credit card not only offers benefits in the form of cashback, but also includes many other features like reward points, fuel surcharge waiver, and lifestyle offers. Yes Bank Prosperity Cashback Credit Card aims to make your spending more valuable so that you get benefits on every purchase.

When you use Credit Card, you get some return on every transaction, which makes this card even better in your financial plans. To summarize, Credit Card is an instrument that meets your financial needs, enhances your savings, and makes your spending more convenient and beneficial.

How is the design of the Credit Card?

Credit Card is well-crafted for a regular person with a simple view of making available everyday expenditure that also allows several lifestyle benefits, which provides rewards in terms of earning points that may be utilized as gifts or in the form of vouchers and also as cash backs for rewarding a person on routine expenses.

New cardholders also get some welcome offers like bonus reward points or discounts on the first few transactions. Also, the card provides lifestyle benefits in terms of savings on dining, shopping, and entertainment, making the overall value more appealing for those who like these activities.

What are the benefits of the Yes Bank Prosperity Cashback Credit Card?

It has the following benefits:

Reward Points:

You get 6 reward points for every ₹200 spent on grocery and supermarket purchases.

You get 4 reward points for every ₹200 spent on all other categories, excluding fuel.

Reward points you accumulate do not expire and can be redeemed at your discretion.

Annual Bonus:

You receive 12,000 bonus reward points on spending ₹3,60,000 or more within an anniversary year.

Fee Waivers:

You get ₹499 plus GST waived off if you spend ₹10,000 within 90 days of the card issuance as a first-year fee.

Annual fee of ₹499 plus GST waived off on spending ₹50,000 within an anniversary year.

Fuel Surcharge Waiver:

Avail fuel surcharge waiver across all the fuel stations in India and earn extra savings over your fuel bills.

Get extra reward points on reaching certain spending thresholds, so you are motivated to spend as much as possible to get maximum benefits.

Dining Offers:

Get discounts and offers at partner restaurants that enhance your dining experiences.

Airport Lounge Access:

Get free access to airport lounges of your choice to make your travel experience more comfortable and luxurious.

Insurance Cover:

Enjoy free insurance coverage, including personal accident cover and lost card liability, to keep you safe against any untoward events.

What are the fees for the Yes Bank Prosperity Cashback Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.50% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹600, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting Credit Card?

The following are the primary requirements:

To apply for the Yes Bank Prosperity Cashback Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs.3 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for Yes Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Yes Bank Prosperity Cashback Credit Card?

The documents that you will have to submit to get Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank Prosperity Cashback Credit Card be used?

Here is the list of places where you can use it:

With Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Yes Bank Prosperity Cashback Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank Prosperity Cashback Credit Card?

The credit amount you can spend is what you are provided with a Yes Bank Prosperity Cashback Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Yes Bank Prosperity Cashback Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the Yes Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Prosperity Cashback Credit Card.

Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest Yes Bank branch to apply for the Yes Bank Prosperity Cashback Credit Card.

Request for the credit card application form of the Yes Bank Prosperity Cashback Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Yes Bank Card website, or mobile app or by calling their customer service.

You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Yes Bank Prosperity Cashback Credit Card in 2025 be right?

Yes, getting a Yes Bank Prosperity Cashback Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Yes Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Yes, Bank Prosperity Cashback Credit Card is a credit card that gives you more value on your everyday spending. Not only can you earn cash back, but you can also enjoy reward points, fuel surcharge waivers, and many other benefits.

Ye, ‘s Bank Prosperity Cashback Credit Card will help add more value to every spend, hence increasing the savings and convenience experience in your financial life.

If you want to have a smart way to earn cashback on your spending and enjoy more benefits on different transactions, then Credit Card is a great option for you.