YES Bank Prosperity Rewards Credit Card 2025
Save over ₹15,000+ every year with rewards + waivers + everyday cashback!
Entry-level rewards powerhouse! YES Prosperity Rewards delivers 2 RP/₹200 on all spends, fee waiver on ₹5K, 1% fuel waiver up to ₹1K/month, and 10K bonus RP on ₹1.8L annual spend.
Perfect for beginners building credit with value!
Why Choose YES Prosperity Rewards in 2025?
2 RP everywhere • Fee waiver • Fuel savings • Milestone bonuses • No expiry
Best for: Beginners, everyday spenders, fuel users
Card At a Glance
₹499 + GST
₹499 + GST
2 RP/₹200 All Spends
1% (max ₹1,000/month)
Visa
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Fee Waiver | On ₹5K spend in 30 days |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹1,000/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 2 RP/₹200 on all spends except select categories
- 1 RP/₹200 on utilities, insurance, wallets
- No expiry on reward points
- 1 RP = ₹0.25 (vouchers) | Transfer to partners
- 10K bonus RP on ₹1.8L annual spend
Airport Lounge Access
No complimentary access – Focus on rewards & waivers
Insurance & Protection Benefits
- Credit Shield: Up to ₹5L on accidental death
- Lost Card Liability: ₹50K
- Zero liability on fraud
- Contactless payments
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2% rewards on all spends | No lounge access |
| Easy fee waiver | Low rewards on utilities |
| Fuel waiver ₹1K/month | 3.75% interest rate |
| Milestone bonuses | Basic insurance |
| No expiry on points | |
| Lifetime value for beginners |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹2.4 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slips/ITR
How to Apply Online (5-Minute Process)
- Visit YES Bank website and select Prosperity Rewards
- Fill details → Pre-approval check
- Upload PAN, Aadhaar, income proof
- Video KYC (2 minutes)
- Card activated in 7 days
Final Verdict – Should You Get It in 2025?
Top entry-level rewards card! 2% everywhere + easy waivers + fuel savings = ₹15K+ value. Ideal for credit builders & daily spenders!
Frequently Asked Questions (FAQs)
2% on all spends?
Yes! 2 RP/₹200 on retail, capped exclusions minimal.
Fee waiver easy?
Yes! Just ₹5K in 30 days waives joining fee.
Fuel waiver details?
Yes! 1% on ₹400-5K txns, up to ₹1K/month.
Milestone bonus?
Yes! 10K RP on ₹1.8L annual spend.
Low income OK?
Yes, ₹2.4L+ income, 700+ score ideal.