YES Bank Prosperity Edge Select Credit Card 2025
4% Rewards on Online
3 Golf Rounds + Lessons
1 Lounge/Quarter
Fee Waiver on ₹10K
Save over ₹18,000+ every year with online rewards + golf + lounges!
Online shopping star! YES Prosperity Edge Select earns 8 RP/₹200 online, 4 RP offline, 2 RP utilities, golf perks, 4 lounges/year, fee waiver on ₹10K.
Edge for shoppers & travelers!
Why Choose YES Prosperity Edge Select in 2025?
4% online • Golf benefits • Quarterly lounges • Rewards on utilities • Fee waivers
Best for: Online shoppers, golfers, moderate spenders
Card At a Glance
Joining Fee
₹599 + GST
₹599 + GST
Annual Fee
₹599 + GST
₹599 + GST
Reward Rate
4% Online | 2% Other
4% Online | 2% Other
Lounge Access
4 Domestic/Year
4 Domestic/Year
Golf
3 Rounds + Lessons
3 Rounds + Lessons
Forex Markup
2%
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹599 + GST (waive on ₹10K) |
| Annual Fee | ₹599 + GST (waive on ₹1L) |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 8 RP/₹200 online spends
- 4 RP/₹200 offline
- 2 RP/₹200 utilities/insurance
- No expiry
- 1 RP = ₹0.25 vouchers
Airport Lounge Access
1 complimentary/quarter domestic
Primary + add-on
Guests extra fee
Insurance & Protection Benefits
- ₹1 Cr air accident
- Credit Shield ₹10L
- Lost card ₹2L
- Contactless secure
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 4% online rewards | ₹599 fee |
| Golf rounds/lessons | 3.5% interest |
| Quarterly lounges | Basic int'l |
| Easy waivers | Utilities low rate |
| No expiry points | |
| Fuel waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary/ITR
How to Apply Online (5-Minute Process)
- YES site, select Edge Select
- Details for approval
- Upload PAN/Aadhaar/income
- Video KYC
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Shopper's edge! 4% online + golf/lounges = ₹18K+ value. Top pick for e-commerce fans!
Frequently Asked Questions (FAQs)
4% online?
Yes! 8 RP/₹200 e-spends.
Golf included?
Yes! 3 rounds + monthly lessons.
Lounges quarterly?
Yes! 1 domestic free.
Fee waiver?
Yes, ₹10K joining, ₹1L renewal.
Income min?
Yes, ₹3L annual.